BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was alerted by XXXX my mortgage balance increased by {$5000.00}. I purchased my home in XXXX of XXXX. After my down payments etc ... my mortgage balance is {$330000.00}. This was being reported to the credit bureaus, until around XX/XX/XXXX, when I received a credit alert my mortgage balance increased by {$5000.00}. I began making the classes to XXXX and to our current mortgage servicer, SPS ( Select Portfolio Servicing ) XXXX states this information is coming from the mortgage holder. SPS is not the mortgage holder, however they are my contact for discussing my mortgage. I called SPS, and they are saying they are not reporting this increase to my credit report. They told me the county tax accessor must be reporting to the credit bureau. Today, XX/XX/XXXX, I placed a called to the tax accessor about my concerns. They expressed to me, they do not report to credit agencies. This brings me back to SPS, who told me yesterday they are not reporting this {$5000.00} increase to my credit report. At this point, this is holding me up from being able to secure a line of equity to help us continue to rehab this dilapidated property. I watch my credit score closely to try and secure financing with the lowest interest rate possible. This situation continues to lower my score, while it's false reporting of information. I don't owe taxes until XXXX, for which I have already paid into my escrow account to cover these taxes, as this is what takes place when you purchase a home. Taxes are paid in the rears. The former owner of the home, ( a bank ) is responsible for the XXXX taxes for my property. XXXX XXXX XXXX, XXXX XXXX. This is my second complaint filing, as the first is when I discovered what has happened and no one can give me a straight answer. Mortgage Processor pointing the finger at the tax authority is absurd! The entire process for purchasing this home began with XXXX XXXXXXXX XXXX, when I caught them discriminating against me, as I have a XXXX last name. Had everything not been so stressful, while running a business I would have filed suit against XXXX XXXXXXXX XXXX. This is my husbands last name, as I am a XXXX, born and raised in the XXXX, cousins to XXXX XXXX the great Senator of Minnesota. I have never felt the feelings of discrimination until now as people assume I am XXXX. I need this false reporting to be fixed and I do not know where to turn.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2022-09-20
Company: OneMain Finance Corporation
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The vehicle was totaled by XXXX XXXX XXXX due to flood damages. My credit report, after disputes with the credit bureaus is showing the total purchase price of the vehicle. 

Credit report does not reflect the correct balance. I have not received any correspondence reflecting the balance on the the vehicle. The company is reporttng late payments to the credit bureaus, drastically lowering my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: IL
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:
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2022-05-29
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX. XXXX, {$12000.00} was wired out of my checking out illegally. I always check my accounts when I saw my money of {$12000.00} exiting my account I immediately walked to Citibank. I work 3 minutes walking distance from Citibank. I also called Citibank when I saw the money leaving my account. I signed an affidavit and notarized it stating I did not authorized anyone to withdraw money out of my account. I gave this affidavit to the XXXX XXXX at Citibank ( my banking branch ). Citibank never contacted me to inform me of this wire fraud for the large amount of {$12000.00}. I filed a police report when Citibank refused to return my funds the complaint number is XXXX. I also have a FOIL number from XXXX. I am currently waiting for the police report. Citibank said they were doing their own investigation on how this money was taken out of my account. Citibank did not assist me. They lack in customer service. Instead Citibank stated I may have clicked a link and or didnt change my password. This is ridiculous! I didnt change my password because I didnt need to. I change my password occasionally. The detective on my case ( XXXX  XXXX ) from the XXXX precinct in XXXX, XXXX stated that the money {$12000.00} was wired to XXXX  XXXX XXXX in XXXX, Virginia ( Not in XXXX where I reside ) and Citibank is liable. XXXX XXXX has been speaking and in contact with Citibank. Citibank supervisors stated some money was captured the fraud was stopped midway. However Citibank stated that XXXX  XXXX XXXX failed to disclose the amount captured. Citibank stated that I failed to secure my account. But why I have ( and still am! ) been a customer of Citibank for over 25 years there was no need for me to change my password. I use my CitiBank checking account to shop, and pay bills. I was also going to make a large payment when my account was hacked of {$12000.00}. Customer service at Citibank has been horrendous. I am put on hold for long periods of time. Citibank states there is no new news therefore they are holding my money when they claim they are FDIC insured. They dont accept messages. I have sent emails to the President of Citibank in XXXX, XXXX and to no avail. This is NOT acceptable! I want my money returned to me asap.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: TX
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:
I can not accept the presence of public records on my credit report. It is causing significant XXXX  and distress, and I implore you to remove them without delay.

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 2021-11-25
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I applied for a credit card. The credit card got approved. The bank tells me on the phone they don't have my phone number in their system. It is a requirement to have a valid US phone number to apply and get approved for a credit card. You people approved my credit card without even having a phone number in my account? How did you manage to do that because that is very sketchy and fraudulent on your end!? 

I was trying to get a manager on the phone but the operators were all reluctant to let me speak to a manager. They just won't let me speak to their manager, in case I complain against them. Then finally one manager said he can't do anything about it, because he has no access to nothing not even my account ; that was a complete disservice. The second manager says he doesn't know. No one knows why my phone number is missing from my account!? 

I spoke with an operator from your fraud department who asked me a series of questions but that soon went down to harassing me on the phone. She asks for my date of birth, I give her my date of birth. Then she asks what's my age? What kind of harassment is this!? Either that uneducated operator does not know how to calculate someone's age or she just had the intention to harass me on the phone, I beleive the later is true unless you hire grade XXXX students to work for your bank who doesn't know how to calculate someone's age.

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 2022-06-25
Company: Experian Information Solutions Inc.
State: IL
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 following creditors have violated my rights. 

XXXX XXXX XXXX Account # XXXX, - XXXX  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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-25
Company: Experian Information Solutions Inc.
State: AL
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:
These accounts are fraudulent and do not belong to me these accounts are also reporting different opening dates as well as different balances across the three credit bureaus. 

The accounts are : XXXX XXXX XXXXXXXX {$4600.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$29.00} XXXX XXXX XXXX XXXXXXXX {$190.00} These accounts are not only fraudulent these accounts are also reporting different dates and different balances. S

ome are reporting paid to one bureau and charged off on the other bureau. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.

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 2022-06-25
Company: EQUIFAX, INC.
State: AL
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:
These accounts are fraudulent and do not belong to me these accounts are also reporting different opening dates as well as different balances across the three credit bureaus. 

The accounts are : XXXX XXXX  XXXX {$4600.00} XXXX XXXX  XXXX {$2000.00} XXXX XXXX XXXX XXXX {$29.00} XXXX XXXX XXXX XXXXXXXX {$190.00} These accounts are not only fraudulent these accounts are

also reporting different dates and different balances. Some are reporting paid to one bureau and charged off on the other bureau. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: CITIBANK, N.A.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have contacted XXXX XXXX XXXX and citi bank on two different occasion by certified mail both times telling them that the outstanding balances they are showing on XXXX / XXXX / and XXXX can not be my sons because he is XXXX XXXX and has never had a credit card but it fact it was a fraud committed by his mother for which I gave them in the letters that were sent to them and the 3 reporting agencys I just mentioned. I also contacted these parties over 7 years ago by sending a certified letter that I did not want any crtedit authorized in my sons name n social security no. at all. these people have forced me to contact social security and try to change his # so this will not continue. please help me with these issues as I 'm recovering from XXXX for a third time from XXXX XXXX XXXX  and I 'm not sure how long I have to live and I do n't want to leave my son knowing these issues exsis. does the credit card companys know that entering into a contract with a XXXX XXXX person is against federal n state laws. if they would have run the proper back ground checks his name would have popped up because he is in the service coordination state system.

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 2022-06-06
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: 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 Account # XXXX. 
XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are XXXX accounts on my credit profile that were unauthorized. They are from the same collector ; all have different accounts reporting to all three-credit bureaus and all have the same amount reporting. I reached out to the company for them to provide me with identity verification and an original contract with a wet signature from me. They could not furnish this information. I have demanded that they removed it from my credit report being that the information could not be furnished, and the account is listed as a charge off. 

company name : XXXX  account numbers : 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 2022-06-25
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:
There are three accounts on my credit profile that were unauthorized. They are from the same collector ; all have different accounts reporting to all three-credit bureaus and all have the same amount reporting. I reached out to the company for them to provide me with identity verification and an original contract with a wet signature from me. They could not furnish this information. I have demanded that they removed it from my credit report being that the information could not be furnished, and the account is listed as a charge off. 

company name : XXXX account numbers : XXXX ; XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Experian Information Solutions Inc.
State: TN
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: Investigation took more than 30 days

Complaint:
On XXXX I issued a Letter of DIspute to XXXX, Experian, and XXXX via the C.F.P.B, outlining issues of incorrect information they were reporting about me. As per the Fair Credit Reporting Act and the F.T.C, XXXX had 15-30 days in order to respond to my Letter of Dispute, failing to do so required the to delete ALL erroneous items which I had disputed to them. XXXX did not respond to my Letter of Dispute untill XXXX, therefore failing to respond in the time frame allotted to them by Fair Credit Reporting Act and the F.T.C. It is without a doubt that XXXX, Experian, and XXXX are certain of these laws which they must abide by, however this case is a prime example of XXXX 's clear and blatant disregard of the Laws set forth in the Fair Credit Reporting Act and the F.T.C, and proves how they actively work to undermine the Laws and Regulations set forth upon them by their Superior 's. I will attempt to yet again contact XXXX, Experian, and XXXX via the C.F.P.B in hopes of having this matter resolved the way the Law writes that it should, however if i find that this does not solve the issue which i have i spelled out in our prior correspondence, then i will have no choice but to obtain Legal Counsel and seek damages for this continued injustice. It is my hopes that XXXX will not force me to tie up unnecessary time and resources of our Courts in order to have this wrong righted. Sincerely, 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 2022-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Yesterday morning someone opened an account using my social security number and my email address with Bank of America. Icalled the company and got the account closed but I wanted to make sure this didn't happen again. I used XXXX to see that XXXX had a leak last summer where my SS # was exposed.

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