BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'am a victim of Identity Fraud. I contacted the Credit Bureau ( Experian, XXXX, XXXX XXXX and XXXX. To explain to them that I am a victim of Fraud and the numerous addresses, Phone numbers, social security numbers, alias and accounts reporting on my report were fraud and or don't belong to me. I provided police reports and requested them to provide proof that these accounts and information was indeed belonging to me. They never provided this information or deleted this inaccurate information.

Company response to consumer: In progress
Consumer complaint received 2020-02-24
Company: Bread Financial Holdings, 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:
Comenity Bank XXXX VISA is no longer reporting to my current credit reports. This account was definitely not fraudulent and I paid account in full on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: In progress
Consumer complaint received 2023-12-01
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Just prior to having our mortgage turned over to Mr. Cooper/ Rushmore Servicing we paid our previous loan holder an estimated escrow shortage of {$640.00} in full. The escrow analysis indicated that we must have {$2500.00} in the escrow account upon transfer and exactly that amount was reflected on both the Mr. Cooper/ Rushmore Servicing website and our first payment statement. We paid the {$640.00} escrow shortage in full to avoid an additional {$53.00} being added to our monthly payment but yep, you guessed it. Even with the escrow account being in good standing the company insists that the extra {$53.00} is due on monthly basis. Long story short we refuse to pay for an escrow shortage that doesn't exist and have paid by check with correspondence and documentation as to why our payment didn't reflect the amount shown on the statement, along with repeated requests they adjust our escrow payment to the amount shown due in our escrow analysis. They refuse, and yesterday, with absolutely no warning, Mr. Cooper / Rushmore Servicing " unapplied '' all the payments we've paid, {$3400.00} to be exact, and are now showing our account as 60 days past due. We're talking a total of {$130.00} that's in dispute at this point. A dispute that never would have happened had they simply looked at their own records and corrected their mistake. We wish you good luck if you're ever unfortunate enough to have to deal with this outfit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent the credit bureaus letters asking them to verify the debt on my report. They sent back stating that everything was verified and is correct. When I check my report it is still showing the inaccuracies that I ask them to verify.

15 USC 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. 



XXXX XXXX XXXX # XXXX I noticed you are reporting multiple 30 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 

XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: NJ
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:
I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$460.00} XXXX XXXX XXXXXXXX {$280.00} XXXX XXXX XXXX {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Southwest Credit Systems, L.P.
State: PA
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: Problem with personal statement of dispute

Complaint:
I rec 'd email/text notifications of a derogatory filing on my credit report by several of the companies that I do business with. I went in, can see the first few digits of the account number, the company, and the date filed. 
Company : Southwest Credit Systems Account # : XXXX... .... 
Date Filed : XX/XX/22 Sent to them by : XXXX Amount : {$630.00} XXXX I have tried to call them, they said it would be marked in their system as Fraud, and they sent me to XXXX XXXX Department. 
XXXX XXXX department said they couldn't do anything for me, but did confirm that the email is that of another family member with the same name, and confirmed that it was not the last XXXX of my SS # that they sent to this collection Agency. 

Tried calling several times to get assistance, but can't get anyone to assist or provide me with a manager to work this out. 

XXXX I've tried to reach the CEO via XXXX, providing a brief description and my XXXX XXXX to contact me back, but this has gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: NJ
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:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Dear Consumer Financial Protection Bureau, I am formally filing a complaint against Atlantic Union Bank due to their repeated failure to communicate mandatory overdraft policies and the ineffective resolution of my online banking matter. This complaint is directed to the CFPB for immediate intervention and resolution. 

Despite my explicit refusal of overdraft services upon opening my account, Atlantic Union Bank neglected to disclose their mandatory overdraft policy, leading to severe financial consequences. However, equally distressing is their inefficacy in resolving my online banking setup. Despite multiple visits to different bank locations, I was continually met with the absence of managerial presence, resulting in wasted time, effort, and resources. A month later, I am still being inconvenienced and asked to return to reapply for account setup due to the bank 's failure to properly guide the process. 

Moreover, the banks consistent failure to inform me, at any point during my visits, about the mandatory nature of their overdraft policy is a significant breach of trust. This repeated lack of transparency may potentially infringe upon consumer protection laws, particularly within the state of Virginia. Under Virginias consumer laws, financial institutions are mandated to ensure clear and transparent communication regarding the terms and conditions of services provided, especially those involving financial liabilities. 

This is not the first occurrence where Atlantic Union Bank has displayed negligence in providing essential information to its customers. Additionally, their ineffective resolution in the matter of my online banking further perpetuates a concerning environment of misunderstanding and potential legal discrepancies. 

I am urging the CFPB to conduct a comprehensive investigation into these repeated and concerning issues, enforce corrective actions, and ensure the immediate refund of all unjust overdraft fees imposed on my account. The charges, totaling between $ XXXX, are unwarranted and unjust given the bank 's repeated failure to communicate their mandatory overdraft policy and resolve my online banking matter effectively. 

I seek not only the reimbursement of incurred fees but also a firm commitment from Atlantic Union Bank to significantly improve their policy transparency and effectively address customer concerns, in accordance with Virginias consumer laws. 

Sincerely

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/XXXX, I submitted a complaint against the above-mentioned furnisher of this account and the credit bureaus for reporting inaccurate information as it relates to this account. On XX/XX/XXXX of XXXX, I received the companys response. The company stated that an investigation was completed, and everything was verified as accurate in my credit file. 

Furthermore, I purchased my credit report for XX/XX/XXXX, and recognized that XXXX XXXX and the credit bureaus continue to report discrepancies, after alleging to have conducted a thorough investigation of this account. There are different dates that the account opened : XX/XX/XXXX and XX/XX/XXXX. My credit report reflects that my monthly payments were {$0.00}. The dates that the account was last active are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The comments on my credit report reflect repossession and involuntary repossession. Also, my credit report reflects XXXX different dates that the account last reported : XX/XX/XXXX and XX/XX/XXXX. 

Under the FCRA, this violates XXXX XXXX Code XXXX, in which I may be able to receive up to {$1000.00} for punitive damages for each violation. 

Overall, I am requesting that your corporation remove this account, or I will pursue civil litigation for damages and deceptive practices.

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 2023-08-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached 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. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: PA
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 submitted a complaint asking all credit agencies to stop violating My privacy by posting alleged debt on their private sites. ( e.gXXXX XXXX  is a private company owned by XXXX XXXX XXXX XXXX. ) ESPERIAN, XXXX are not Bureau 's and are only agencies of the BUREAU. 

When I stated the account in question in last complaint I meant " EVERY SINGLE ACCOUNT '' DEBT PAYMENT HISTORY ETC '' that ESPERIAN/XXXX continues to post XXXX will hold the CFO personally liable as notice to agent is notice to principle. the individual who's privacy is being violated pursuant to the EQUAL CREDIT OPPORTUNITY ACT THE FEDERAL RESERVE ACT, THE PRIVACY ACT, every transaction relies upon the " FULL FAITH & CREDIT '' of the united states. Im invoking Consumer protection laws for : XXXX XXXX XXXX # XXXX I humbly DEMAND that ALL AGENCIES aforementioned REMOVE all info pertaining to ALL ACCOUNTS connected to the " Authorized Agents Birth rights and Social Security number assigned to him listed above. OR REDEEM MY NOTES FOR GOLD & SILVER COINS... Please and thank You!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: In progress
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: NY
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:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXX under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXXXXXX  XXXX, XXXX  XXXX XXXX and XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My name is NOT XXXX XXXX and was not XXXX XXXX XXXX when this alleged account was opened. 

This will be my third complaint against Portfolio Recovery. I contacted portfolio recovery on XX/XX/XXXX disputing the alleged debt. XX/XX/XXXX I was sent a letter stating portfolio recovery refuses to investigate and dispute the debt and demanding portfolio recovery cease and decist all communication with me. 

Today on XX/XX/XXXX, I recieved another letter from portfolio recovery, again stating they are closing the dispute investigation because I have not sent in information requested by portfolio recovery. I was never asked to send any information. This letter was mailed on XXXX XXXX. I also stated in my previous dispute, that I wished for portfolio recovery cease and decist all communications. 

Attached is the dispute and cease and decist request on XX/XX/XXXX, the XXXX letter sent on XX/XX/XXXX and the XXXX letter sent on XXXX XXXX. 

Portfolio recovery is very inconsistent with the letters regarding a debt dispute, signifying they are not taking my request seriously and sending these irrelevant letters to further harass me. I demanded portfolio stop all communications, however I keep recieving irrelevant letters regarding a dispute portfolio recovery refused to investigate. Portfolio recoveries inconsistancy as well as lack of record keeping further backs my origional dispute. 

Portfolio recovery continues to violate FCDPA regulations stated in CFPB. I refuse to allow portfolio recovery violate my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is violating my rights! 

I have disputed this account with Experian multiple times and will have to start legal proceedings against them. This account no longer shows on XXXX and is also supposed to be removed from my Experian report immediately! 

Account : XXXX XXXX XXXX Last Verified Date -- Does NOT match XXXX and XXXX removed this account! 
Date of last activity -- Does NOT match XXXX and XXXX deleted this account! 
Date Opened -- Does NOT match XXXX and XXXX deleted this account! 
Account rating -- Does NOT match XXXX and XXXX deleted this account! 

I have disputed this account with Experian via online, fax, certified mail multiple times! 

I demand this account be removed immediately!

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 2022-09-25
Company: EQUIFAX, 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:
This account is not mine but is reflecting on my credit reports. 

XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/2018 Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

Company response to consumer: Closed with explanation