BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
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:
Why are large companies allowed to lie about derogatory reporting data to credit bureaus without proving their case? I proved my case with the bureaus and STILL they allowed XXXX XXXX  XXXX XXXX to dinged my record for a 30 days late. My payment history also tells the truth, never late for 10 years in business with XXXX, but thats not worth anything to these companies?!? Its wrong that large companies like XXXX can affect credit scores without PROOF of late payments and credit bureaus refuse to hear both sides automatically siding with big business and NOT induvial working class?!? Look at my payment history and do your job in finding the actual fault! 

Also, why can credit bureaus offer a better score if you pay them money? My credit score should stand on it own and NOT be manipulated by credit bureaus for PROFIT! These companies have the power over my financial records and are allowed to operate for profit margins, how is that legal? What government agencies are getting kickbacks for allowing this unconstitutional behavior? This is criminal

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 2018-05-06
Company: EQUIFAX, INC.
State: WA
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:
Hello, My wife and I just moved to XXXX, WA for a job. We had a great credit score, in the high 7

00 's. When we set up a mortgage meeting, we were all shocked when she asked why our credit score dropped 100 points.

It turns out that we had a {$900.00} student loan that was due the week before. A few weeks before, my wife had put everything on autopay so I'm not sure why it wasn't paid. I called right away and paid it in full. We got no notification that it was due soon. Our mortgage loan officer said the points should be returned to the account as it was a mistake.

They are still not returned. We are living with my inlaws as our credit score is keeping us from buying a house.

Everyone I have spoken with says the points should be returned since it was a recent mistake.

I hope you can help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Suttell, Hammer & White, P.S
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX, attorney for Debt Collection and the XXXX XXXX   and/or XXXX have no rights to file a lawsuit against me after my account has already been closed by the XXXX on XX/XX/2019. This is clearly a violation of the Consumer Protection Act and the Fair Debt Collection Practices Act and unethical code of conduct. Again, this is the harrassment and abuse by you and the XXXX and XXXX Bank. This is clearly against the rules of laws.On XX/XX/2019, the XXXX issued the refund and the check in the amount of {$0.00} ( check # XXXX ) and I received the check, but did not cash it on XX/XX/2019 ) XXXX XXXX XXXX at Suttell & Hammer , p.s.XXXX, XXXX, XXXX ; XXXX. I responded to your letter and to your office ( XXXX ) XXXX and left the detail messages for Ms. XXXX XXXX on Thursday, XX/XX/2019 at XXXX XXXX  ( PT ) on her recorder but she did not respond to my phone call. I also left my name, account # or reference # for her and my home phone numbers. And, on XX/XX/2019 I also mailed my response to you. 
My address : XXXX XXXX ( consumer ) ,XXXX XXXX XXXX XXXX, XXXX, XXXX , WA XXXX ; homephone ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: U.S. BANCORP
State: TX
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 balance transfer

Complaint:
On XX/XX/2023, I had an offer for a balance transfer on my Elan Business credit card. I went on-line to make the balance transfer as my credit limit was sufficient to make these balance transfers. I input all the required information for three companies - XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I called to follow up with Elan on XX/XX/XXXX and the Card Services representative said that they received the request to transfer but it was not complete because they required an extra verification and so I gave her the verification over the phone. Prior to the end of the call it was dropped and so I called back on XX/XX/XXXX ( spoke to a supervisor ) and they told me they still saw the balance transfer and it would be submitted. I called back on XX/XX/XXXX ( spoke to a representative in Card Services ) and they also informed me that my balance transfers were indeed pending and would be processed and mailed out within 14 days. Fast forward to today, XX/XX/2023, I spoke to a Card Services Representative XXXX XXXX XXXX who said that there was a " fraud '' alert on my account and that she apologized but no checks had been mailed out. Then I spoke to the Cardmember services, XXXX XXXX who further stated that this company had already charged the balances to my account and never processed or mailed the checks. This is fraudulent activity, and I would like an investigation into the practices of this company. They are deducting from my available credit card balance from approximately XXXX XXXX XX/XX/XXXX and never mailed any checks to substantiate deducting this balance. During my second call to Cardmember Services Supervisor, XXXX she said that they could not remove the fraudulent charges on my card until XX/XX/XXXX. So, we have three areas of inquiry : 1 ) fraudulently offering balance transfers without fulfilling the deal and 2 ) deducting from customer balances without sending out the balance transfer checks and 3 ) misrepresenting to consumers that they have mailed checks when they havent been mailed. I am sure I am not the only one who has encountered this with this company and this needs to be investigated.

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 monetary relief
Consumer complaint received 2021-06-01
Company: FIRST HOME MORTGAGE CORPORATION
State: NY
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:
XXXX XXXX PULLED MY CREDIT REPORT WITHOUT MY AUTHORIZATION OR CONSENT WHILE I WAS APPLYING FOR A VA MORTGAGE. 

HE ALSO LIED ABOUT THE INTEREST RATE. 

THIS DISPUTE IS ONLY FOR HIS IMPROPER USE AND COLLECTION OF MY CREDIT FILE. 

HE REQUESTED MY CREDIT FILE MANY TIMES WITHOUT MY CONSENT OR WITHOUT ME KNOWING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX they credit bureuas will not delete these and i did not authurize them to pull my credit reports. they need to be deleted due to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Other I.C. SYSTEM, INC 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 2022-06-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights on 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Received a text message appearing to be from Peoples United Bank asking if I had authorized a purchase - I responded with a NO. They called me and a person claiming to be from Peoples United Bank proceeded to ask questions relating to my bank account and so I answered accordingly. He told me they had to close my account due to fradulent activity. He gave his name/ID number all while posing as a Peoples Bank employee. I gave him general information and he said he would take care of the situation. I went on Monday to inquire about this situation to the branch in XXXX, CT. There I found that there were 3 unauthorized transactions of {$500.00} each for a total of {$1500.00}. 
XXXX {$500.00} XXXX {$500.00} XXXX {$500.00} I tried to file a claim to receive these funds back. My claim was denied because Peoples Bank claims that I entered a " Code '' to authorize the funds. I was NEVER asked for a code and never gave a code. I assume the hacker must have hacked my phone or internet or something where he was able to get that code or whatever they are talking about. I did not give any codes to anyone nor was I asked about one. I keep telling this to Peoples Bank but they are not hearing me and keep claiming that I did this. Other banks usually refund unauthorized transactions right away so I am very upset to know Peoples Bank has denied this to me- especially as the scammer took the role of a Peoples employee and I am out {$1500.00} hard earned dollars. I would like a refund asap.! 
I need my funds back immediately! I am a widow and having financial troubles and obligations. This has really caused me immense stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX I'm a recently XXXX  XXXX XXXX Veteran that had my signature signed fraudulently signed by Ocwen LLC in XXXX as a co-borrower for a refinance. Here 's a little history. I was a co-signer on a Mortgage with my Mom from XXXX. Fast Forward to XXXX and Ocwen refinanced a Mortgage with my Mom and they apparently got her signature and put mine as a co-borrower as well. The Documents were never sent to me, or notarized which they need to be. When my Mom died in XX/XX/XXXX, I discovered then that I was on this Mortgage then. After unsuccessfully trying to contact Ocwen to refinance this in my name, they gave me the run-around. I was deployed overseas then, and they never told me that my Mom must have refinanced with her signature, and my ( forged ) signature from them on this document is when I noticed a $ XXXX Mortgage remodification was done in my name without my consent. I found this out from XXXX XXXX Mortgage, which is who Ocwen sold the mortgage too. XXXX XXXX were the ones who told me about the $ XXXX when I tried to refinance with them since I was getting nowhere with Ocwen. I believe they committed Mortgage fraud, they never called me, emailed me, or anything back in XXXX when they did this refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX Balance : {$620.00} 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 2023-03-17
Company: ID Analytics, 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:
I am writing this complaint to SAGESTREAM I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 
My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: PA
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 complaint is my follow-up to my previous complaint. These items are needed for deletion immediately and this complaint is to notify you to remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Date of Birth XX/XX/XXXX SSN # XXXX Date : XX/XX/XXXX This letter is in regards of a dispute with Transunion After ordering a copy of my credit report I have notice that its inaccurate information on my credit report. And I have/had know knowledge of these accounts.

In accordance with the Fair Credit Reporting Act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # : XXXX This account reporting is in violation of my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-07-25
Company: EQUIFAX, INC.
State: MI
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Although homeowners have until the XXXX of the month to pay their mortgages ; Nationstar is charging homeowners a {$10.00} fee if they pay after the XXXX of the month. I never asked for Nationstar and have been moved from XXXX XXXX to XXXX and now to Nationstar. Every mortgage servicing company, besides XXXX XXXX, has tried to make money off homeowners ; here is yet another trying to do the same thing. XXXX stopped this practice immediately after receiving complaints from homeowners as soon as it began ; and the government should not allow these companies to prey on homeowners. The fee is unnecessary and basically punishes homeowners that pay their bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of information.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have unauthorized inquiries on my credit report that I ask to be removed but still are not removed.

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 2023-07-25
Company: EQUIFAX, INC.
State: LA
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 recently pulled my credit and this collection was on it. The Compnay never sent me anything by mail, email etc. to give me a chance to verify ( challenge ) the debt was even valid. I called and spoke to the Compnay and received letter I have uploaded in the mail.

the latter was mailed from the Compnay and mailed to me like I type the letter. 
I asked XXXX XXXX for validation of debit and this is the letter I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
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:
In accordance with the Fair Credit Reporting Act, 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 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 15 U.S.C 1681a 2 ( A ) ( i ) : excludes information that is solely based on transactions or experiences between the consumer and the creditor.

Company response to consumer: Closed with non-monetary relief