BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent numerous letters with no results or information regarding these disputed accounts The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on... 

The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
Company: UHG, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The company XXXX ( XXXX XXXX XXXX ) claiming to represent the new debt owners ( United Holding Group ) began calling in mid XXXX ( XX/XX/XXXX ) to collect on this debt which is originally from XXXX XXXX. I spoke with several individuals who were claiming to handle the case with XXXX. At first, I wanted to clear this debt and offered the amount of {$1800.00} which I was able to pay at the time. They refused that amount and said they could only take {$2000.00}, The original reported amount was {$3300.00}. Before I went a step further after they refused my amount, I realized that I had nothing in writing from either UHG or XXXX showing that they owned this debt or was representing the owner of the debt. Phone calls continued from XXXX after my last communication with them turned unprofessional from one of their agents. After doing some research on debt collection agencies and my rights, I spoke with them on XX/XX/XXXX requesting a Debt of Verification letter before I continued talking with them. The individual then proceeded to verbally harass me and claiming I was using a stall tactic and that I made bad choices in the past and needed to be accountable for my actions. XXXX even confirmed my current address to me and as of today XX/XX/XXXX, I've yet to receive any documentation from either company. On XX/XX/XXXX XXXX contacted my employer and spoke with my manager and was verbally abusive with her and requesting salary information and other personal details that are not related to this debt. My Manager would not provide any information and the individual who called became extremely upset and hung up the phone. I have received numerous phone calls from XXXX throughout the same day on my personal cell and at work. I now receive voicemails from someone new representing this debt and using scare tactic verbiage, claiming they have a case number with my local county courts and they are pending processing if I don't call them back. I will not answer these calls due to them being abusive in the past and still not providing proof of the debt and/or ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Bread Financial Holdings, Inc.
State: NC
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 this account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Navient Solutions, LLC.
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:
In XX/XX/XXXX, I applied for a home loan. When the lender pulled my credit, Navient had placed statements on my account stating that it was in deferment due to a natural disaster. This stopped my loan from processing. When I called them, they stated that FEMA had given them this information and they took it upon themselves to place that on my report. I did not ask for that at the time. Navient told me it would be taken off XX/XX/XXXX and would show on my Credit reports XX/XX/XXXX. When the lender pulled my credit report again, nothing had changed. I called Navient again and they continued to argue with me and said that I was still in the deferment and they would not remove it. I had to argue with them for several weeks and into XX/XX/XXXX. They would not remove it until I threatened to get an attorney. Then all of a sudden they agreed that it should have been taken off. I finally got it taken off but had to be subjected to the stress of arguing with them. Some of these comments are still on my credit reports. It also states that my last payment was XXXX XXXX. I have made payments since that time. This is not the first time that I have had to deal with this issue with Navient reporting bogus information to my credit report. Then it takes forever to get it removed. XXXX is the worst about removing comments, etc. even when you prove it is wrong. They do not appear to investigate anything unless you threaten to sue them. It is just the first time I knew that I could file a complaint. They consistently put me on different payment plans than what I apply for. When I asked them about a forgiveness, they actually laughed at me. Then laughed while telling me that I could not even file bankruptcy and get out of it because it was a Federal Loan and I was stuck paying for this and they didn't care how old I was. ( I am XXXX years old now ) Prior to this my billing and fees were consistently wrong and Sallie Mae and Navient refused to justify any of the charges as well as the schools charges when I saw that I was being charged bogus fees or being charged double fees by the school and the Student Loan Servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I twice tried to open a {$5000.00} CD ( 4.1 % interest, 5 months ) with Wells Fargo ( first application on XX/XX/2023 ; second on XX/XX/2023 ), each time directly from my on-line account. Both times, my application was rejected because Wells Fargo could not " verify your identity. '' This is, literally, impossible to believe. First, I made application through my on-line account, funding the CDs from money already on deposit. Second, the CDs were to be set up in my name, the name on my 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 explanation
Consumer complaint received 2020-12-22
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Citizens bank check # XXXX dated XX/XX/XXXX for {$9.00} was stolen out of mail and forged for {$900.00} and cashed at XXXXXXXX XXXX Citizens then processed and paid the check to XXXX. I discovered this while reconciling my bank account on XX/XX/XXXX & immediately called Citizens and reported it, claim # XXXX. We also filed a Police report, case # XXXX. On XX/XX/XXXX I received letter from Citizens stating " we have determined that the check in question does not appear to have been altered '' along with a form to Declare Unauthorized Endorsement-Altered. On XX/XX/XXXX I filled form out and sent in all backup bank requested to prove the alteration of check, now it has a different claim # XXXX per the XX/XX/XXXX letter. Then called Citizens XX/XX/XXXX, XX/XX/XXXX + XX/XX/XXXX. On XX/XX/XXXX my local branch informed me that the home office didn't receive my documents. So my local branch faxed all of my documents. Called XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX. On XX/XX/XXXX XXXX XXXX, chairman at Citizens called me and informed me that we would not be reimbursed for the forged check until Citizens is reimbursed from XXXX, the original bank that accepted check. I asked her if anyone from Citizens has been talking to XXXX about issue and all she said was we sent the inquiry. THAT's IT! We did nothing wrong here yet we are being penalized. The forged check is an obvious forgery per everyone that looks at it, Police and Local Bank XXXX. I have not heard a word from them since XX/XX/XXXX. We just want to be reimbursed the {$900.00} for the forged check that Citizens allowed to be processed without questioning the look of the check. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In late XXXX, 2019, we received notification that our home mortgage would be transferred from Shellpoint Mortgage Servicing to XXXX XXXX, effective XX/XX/2019. Our mortgage payment is always due on the first of the month, and the notice advised that with the effective date, we should pay our mortgage to XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted XXXX Bank to make our mortgage payment and right before providing our banking information, noticed that Shellpoint had conducted an auto-transfer from our bank account for the XXXX mortgage payment ( on XX/XX/XXXX ; we previously had been set up on an auto-withdrawal with Shellpoint for our monthly mortgage payment ). The customer service rep with XXXX XXXX  advised that Shellpoint would likely transfer the payment to them. Around XX/XX/XXXX, XXXX XXXX contacted me to make me aware they still had not received the mortgage payment. As of XXXXXX/XX/XXXX, Shellpoint still had not transferred our mortgage payment to XXXX XXXX and so I contacted them. The Shellpoint customer service rep acknowledged the mistake and promised to refund the money to our bank account by XX/XX/XXXX. On XX/XX/XXXX, that had not happened, so I contacted Shellpoint for the second time and had trouble getting a straight answer about their plan for rectifying the mistake. Someone was supposed to call me back that day with an answer but they did not. 

Of note, I made the XXXX mortgage payment on XX/XX/XXXX, to XXXX Bank, per the schedule. 

On XX/XX/XXXX, I called ShellPoint for the third time and this customer service rep said they would wire the money to XXXX the very next day ( XX/XX/XXXX ). On the morning of XX/XX/XXXX, I contacted XXXX and confirmed they had not received a transfer of our mortgage payment from Shellpoint and requested a statement of all moneys received. I then contacted Shellpoint for the fourth time and once again, the customer service rep acknowledged the mistake but did not have an answer for me. She said she would fast-track it to her manager and asked me to call back that afternoon. 

I contacted Shellpoint that afternoon ( XX/XX/XXXX ) for the fifth time and experienced the worst customer service of all five calls. The gentleman was rude, talked over me, refused to let me speak to a manager, refused to provide me a date of when they would transfer the money to XXXX and kept telling me they had 60 days to transfer everything. He said a manager would cal me back. 

As of today, XX/XX/XXXX, Shellpoint still has not wired the money to XXXX, nor transferred it back to our bank account, nor have they returned any of my five phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX, 2023 : ( INQUIRY ) -XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, 2023 : ( INQUIRY ) - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 2023 : ( INQUIRY ) - XXXX XXXX ( XXXX XXXX XXXX XXXX, 2023 : ( INQUIRY ) - XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, 2023 : ( INQUIRY ) - XXXX XXXX ( AUTO ) XXXX XXXX, 2023 : ( INQUIRY ) - XXXXXXXX XXXX XXXX XXXX XXXX All these inquiries has been submitted without my consent or knowledge. This is in fact proof of me being a victim of identity theft/fraud. These inquires need to be Removed immediately from all credit reporting agencies. Ive reach out to ever merchant listed above and i hav not got any response so i am reaching out to reportfraud.ftc.gov to provide this report from CFPB to have this fraud issue handled 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 non-monetary relief
Consumer complaint received 2019-07-03
Company: Capital Accounts, LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Heard from this company for the very first time today on the phone. They hung up on me 4 times. They claim they sent me 2 notices that I have never received. They refused to send me anything in writing when I requested. Told me I shouldnt make my car payment, rent, or buy groceries to feed my daughter. Took 3 phone calls to get to the supervisor. Supervisor refused to allow me to speak, they also refused to tell me this was an attempt to collect a debt until after they got personal information. They have the wrong name, the wrong address, admitted to sending to wrong address, and wrong amount and wrong last date of payment on the account. They threatened to continue charging me interest and threatened to damage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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 2023-06-02
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:
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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-05-23
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I contacted my mortgageServicer company and requested that they remove the monthly private mortgage insurance of {$170.00} because my loan-to-value, based on a recent appraisal, decreased to 66 %. I sent them the appraisal performed by a licensed appraiser. 

On XX/XX/XXXX, Freedom sent a message to my mortgage account indicating they received my request, they will research it, and anticipated an answer on XX/XX/XXXX. 

On XX/XX/XXXX, I received a message from Freedom indicating that my account passed the 2-year seasoning period, but exceeded 80 % LTV. It then stated I could lower the LTV by paying {$33000.00} or obtaining a broker price opinion or an appraisal evaluation. 

On XX/XX/XXXX, two Freedom reps on the phone said the LTV was based on my home 's value at closing, 5 years ago, even though I already sent them an appraisal from a licensed appraiser that was done XX/XX/XXXX. The message they sent me on XX/XX/XXXX said I could obtain an appraisal. Now, they want me to pay for another appraisal and an appraiser they choose. 

It is clear, they will do whatever it takes to make it costly to me and NOT terminate my PMI and this appears to be a clear violation of The Homeowners Protection Act of 1998 ( HPA ), 12 U.S.C. 4901. et seq., also known as the PMI Cancellation Act, was signed into law on XX/XX/XXXX, became effective on XX/XX/XXXX, and was amended on XX/XX/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 2023-10-07
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/ I cashed out two amounts from cashapp. Neither amount went to my bank account as they have always been credited right away. One amount XXXX XXXX XXXX

Company response to consumer: Closed with explanation