BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
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:
I am submitting this CFPB Complaint to express my extreme dissatisfaction with the inaccuracies contained in my credit report. Upon reviewing my credit report, I discovered several errors that are negatively impacting my credit score. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. I require the Credit Reporting Agencies to investigate and correct the following accounts from reporting erroneous and inaccurate information on my Credit File : XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$3400.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$410.00}. As we are undoubtedly aware, under Section 611 of the FCRA, it is the Credit Bureaus responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to the Credit Bureaus attention. It is now the Credit Bureaus obligation to investigate and remove these errors within 30 days, as required by law.

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 2023-09-16
Company: Experian Information Solutions Inc.
State: PA
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 recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. this has been hurting me as i am in the processof buying a home for my family.please remove the feaudulent accounts from my credit report as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-07-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It states that i was late paying XXXX XXXX and I wasnt. I have attached a form from XXXX XXXX stating that I was never late.

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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 


Transunion and XXXX are reporting inaccurate information and won't send me the debt verification letters and investigation reports that I have asked for. They are reporting closed accounts and missed payments. XXXX has already deleted these accounts. The reports I've sent are as follows. The law says they only have five days to respond to me in writing about my dispute letters and they are in violation of my XXXX rights and I've been denied va mortgage refinance and personal loans through XXXX XXXXl as a result. I demand that these inaccurate information be deleted immediately as it has cause financial hardship on me and my family. See dates on dispute letters. No response or confirmation of disputes recieved with the 5 day window.

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 2023-07-24
Company: Experian Information Solutions Inc.
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:
These accounts do not belong to me, please block and remove per 15 USC 1681c-2.

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 2023-02-06
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: Account information incorrect

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in this report. I am a victim of identity theft and did not make the listed changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
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:
I asked Equifax to RE-INVESTIGATION this account and Send Me Documentation of the re-investigation : on XXXX/XXXX/XXXX Equifax stated that XXXX  XXXX # XXXX has verified this account as accurate reporting but never sent any proof documents for their claim. Please send me the paperwork and the description of the re-investigation that was used to verify this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am disputing the late charge assessment and derogatory payment reporting on my account. A credit monitoring service indicates they have reported the account as delinquent. Below and attached is a history of payments made and credited. 

Due Date Date Paid Date credited Late charge assessed XXXX XXXX XXXX XXXX XXXX XXXX {$29.00} XX/XX/XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX {$42.00} XXXX XXXX XXXX {$42.00} I called the institution in XXXX  questioning the late charge assessment and was informed they would not be waived. Because of this I closed the account and paid off the remaining balance including the unfair lates charges of {$110.00} prior to the due date of the XXXX payment. I was accessed another late charge on that payment and continue to be assessed additional late charges each month. The last bill I received shows a delinquent balance of {$120.00} which is 3 late charges. Furthermore, and more importantly they have reported the account as delinquent due to these unjust charges.

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 2023-07-24
Company: Mortgage Research Center, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Im in the process of process a loan modification and the servicer ( Veterans United ) continues to employ delay tactics to finalize my process. Ive been asked to submit the same document ( XXXX and XXXX back statement showing paid rent on another property ) 5 times, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023, and each time Im told that the rep has verified the information. I suspect the delay rate is because of the interest rate. 

Today, XX/XX/2023, I was told to wait until my XXXX statement is posted in order to process the request again. Im told that the XXXX statement is now, and how convenient, is expired. 

I find it ridiculous and irresponsible for Veterans United to continue to employe these delay tactics.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a bankruptcy reporting on my credit report that shouldn't be there, I have reached out to Experian and XXXX. and asked that they remove this off my credit report and provided them with all the documents confirming my claim. they have consistently said the information came back verified through XXXX XXXX which is inaccurate because i have the documents from XXXX XXXX stating that this information isn't 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 2023-07-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I dispute the inaccurate reporting status on my XXXX XXXX  account, which is negatively affecting my credit profile. The account in question is currently listed as " Payment after charge off/collection Settled - less than full balance. '' I wish to bring to your attention that this matter has already been settled, and as a result, the payment status should not indicate " In Collections '' or " Charge-off. '' I kindly request that you promptly investigate this issue and update the reporting status to reflect the accurate account status. The inaccuracies in the current reporting status are misleading and are having a significantly adverse impact on my creditworthiness. I want to emphasize that the account in question has already been resolved through a settlement agreement. As per the Fair Credit Reporting Act ( FCRA ), it is crucial for the information reported to be fair, accurate, and up-to-date. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. In light of this legal requirement, I kindly request that you take the necessary steps to rectify the inaccuracies in the reporting of my XXXXXXXX XXXX account. Please update the status to accurately reflect that the account has been settled and is no longer in collections or charged off. I really do appreciate your attention to this matter and look forward to a timely resolution. Thank you for your prompt action in resolving this dispute.

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 2023-07-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Sent a domestic wire transfer for {$10000.00} on XX/XX/2023 via online banking. 

As of today, XX/XX/XXXX. The wire has not reached the beneficiary ( wire instructions are correct and confirmed ). Wells Fargo ( WF ) online department and wire department misinform and misguide me on each call to check status and confirm the funds were sent. The last call the representative made it seem like the funds can be held indefinitely and they don't have to inform me of legal or lawful deadlines to refund the money to my account. 

I request XXXX ( Federal reserve number, which confirms the wire was sent without issues ), they don't expect I'd know to ask for it. They place me on hold, while they ask team lead and confirm they don't have XXXX yet because the case and funds are sitting in WF compliance. They can't contact compliance or place a sense of urgency to resolve either because the department does not talk to them. 

Every business day between XX/XX/XXXX to XXXX, they request I provide my full name, address and date of birth to release the funds. I provide the information and this does not resolve the release. Each follow up call is the same generic process cycle but no resolution and they can't find the previous XXXX notes where they sent my information to compliance, each follow up call is like the first call. 

I requested they cancel the wire and refund to my account, they say they can recall but not sure if the beneficiary will return the funds which is contradictory because some CSR admit the funds haven't been released and are at WF while others say the funds have been released. The receiving bank confirmed notice of wire expecting the amount, but funds have not been released to them by Wells Fargo. 

Regardless of how many times you call XXXX ( wire dept ) or XXXX ( online claims ) no one knows what to tell you or how to resolve you issue, hands are tied and washed like XXXX XXXX. If you go to the branch, since you initiated the wire online, they are clueless and can't resolve and refer you back to online. 

The lack of providing customer information, a resolution date, accountability, lack of care to resolve the customer issue is demonstrated, no matter how urgent the matter is for the client, they don't care and tell you they can't do anything and have to wait for compliance ( which is indefinite ). 

This issue makes you lose total confidence and trust at WF ability to manage online wire transfers. It is better served to go to the branch. Online department provides no solutions or information besides reading off of a script and tell you to file a complaint with the office of the WF president.

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 2023-05-12
Company: Self Financial 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: Information belongs to someone else

Complaint:
I have multiple account that are fraudulent! Please investigate this. Self card, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: McCarthy, Burgess & Wolff, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was notified by XXXX, XXXX XXXX XXXX, a collection agency for XXXX for with a letter dated XXXX that I owed XXXX a debt of $ XXXX rejected the claim as I do not have a XXXX account XXXX 

XXXX responded by letter dated XXXX that it was a valid account and enclosed invoices I have never before seen. My current phone number is with XXXX fi on a XXXX XXXX I purchased directly from XXXX. The XXXX invoices were for an iphone I purchased at XXXX XX/XX/XXXX and promptly returned XX/XX/XXXX. I promptly called XXXX and they wouldn't look into it unless I was willing to pay some amount. I said I would call XXXX directly. When I called XXXX, they, XXXX, patched me to the collection agency and I couldn't even ask what these charges were for OR why I never received any notice of these charges despite XXXX knowing my SSN, email, home address, phone number and maybe my XXXX membership number! I can not access my supposed XXXX account either by phone or website. The invoices were dated back to the XXXX purchase XX/XX/XXXX and had since accrued fees and penalties. The XXXX invoice was for {$670.00} XX/XX/2022 and XXXX credited me {$670.00} XX/XX/2022 My XXXX XXXX in XXXX, according to a printout from XXXX received XXXX 2022 was {$730.00} for an unpaid balance of {$130.00}, account charges of {$650.00}, my old phone number {$29.00} and the retuned XXXX number {$87.00} and the balance of {$130.00} representing interest, fees and costs. 

In XXXX my credit score was XXXX and in XXXX it was XXXX. I had no idea why. In 2022 my high XXXX XXXX was XXXX and my low until XXXX was XXXX. My current score is XXXX for XX/XX/2022. I am retired with 5 accounts- 3 credit cards a mortgage and 2nd. mortgage. I pay my credit cards in full each month. 

I have submitted reprinted receipts from XXXX to XXXX 's collection agency along with their letters to me. I feel a person should be able to talk with the company ruining their credit with false information before having to fight with a collection agency. A person should be innocent until proven guilty. And a word about Credit Score agencies. They are providing consumer 's creditors with credit information and their fiduciary responsibility is to the creditor since they have to pay for credit reports. They then want to charge consumer 's to protect and indeed provide their credit score information. This is a clear conflict of interest! XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Over XXXX XXXX XXXX XXXX in disputed charges not credited back to My account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, 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 sent my letter out on XX/XX/XXXX to XXXX, XXXX, Equifax. Here is my tracking numbers : XXXX - XXXX - XXXX However its been more than 15 days and the credit bureaus failed to respond. 

RE : XXXX XXXX I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$98.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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