BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-04
Company: FORD MOTOR CREDIT CO.
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: Account status incorrect

Complaint:
This complaint is related to Ford Motor Credit. On XX/XX/2020, we contacted Ford Motor Credit as received a notification that our lease had expired. Please note that Ford Motor Credit automatically pulls our payments from our banking account. We had been in the process of working with a local dealership to transition to a newer vehicle just prior to the shutdown. The representative we spoke with offered an extension of the lease until XX/XX/2020 and we accepted. We then submitted the scheduled monthly payment by mail. We had assumed all other payments would be automatically pulled as we were not notified otherwise. After being unable to come to a lease agreement with Ford and opting for a different vehicle, we turned in our truck. Ford Motor Credit immediately reported our account as delinquent, a notice we received on XX/XX/2020. We contacted Ford on XX/XX/2020 and were told that we " should have been asked to provide verbal notification to continue to pull our payments automatically. '' However, we were not asked to provide that acknowledgement or consent. Further, the representative from Ford told us that because we have automatic payments and have always paid on time, we are " at the bottom of the list for notification. '' So, they acknowledged that they did not notify us when a payment should have been made. Had they notified us of the needed payment, we would have made it. Instead, they let two months lapse and only provided us notice of the late payment when we turned in the vehicle. Had we not turned in the vehicle, we may not have been provided notice for another 30 days. Our credit report has been impacted by their failure to notify us. While the rep communicated that the late fees would be waived, we do not believe this to be sufficient action. We would like Ford to correct the information reported to the credit bureau and, if possible, to waive the payments that were not truly late. The fact that they acknowledged their system and notification process was broken, but continued to report our information to the credit bureau is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THERE IS A XXXX  XXXX BANKRUPTCY DISCHARGE APPEARING ON MY CREDIT REPORT I HAVE CONTACTED XXXX AND TRTANSUNION AND XXXX CREDIT AGENCIE SEVERAL TIME TO HAVE THIS ITEM REMOVED, THEY WONT REMOVED IT PLUS XXXX AND TRANSUNION AND XXXX CANT PROVID ME PROOF OF THE INFROAMTION ALSO WHEN THEY SEND ME A COPY OF MY REPORT THEY SAY ON THE REPORT THEY GET THEY INFORMATION FROM XXXX XXXX XXXX AND I CONTACT XXXX XXXX AND THEY SENT ME A COPY OF MY REPORT FROM THERE SYSTEM AND IT DOES NOT SHOW NO XXXX XXXX BANKRUPTCY AT ALL THEY SENT ME A LETTER ADVISING TO HAVE THE CREDIT AGENCIES TO REMOVED THE NEGATIVE INFROMATION

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 2023-03-21
Company: WELLS FARGO & COMPANY
State: TX
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:
Wells Fargo would not fully refund the XXXX of dollars they charged my account.

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-06-02
Company: EQUIFAX, INC.
State: AL
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:
This is my 5th attempt to write to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report STILL showed credit inquiries that I don't recall authorizing. Not only do I have identity theft and fraud alerts set, but I have my credit locked so that I am to be contacted PRIOR to any credit authorization or credit application. I have disputed with XXXX multiple times, by phone, fax, and email, which included verifying my identity and sending proof from the credits they had no knowledge or records of me. 
I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someone's credit is for : A. Firm Offer of Credit B. insurance C. Employment D. Court  Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my ID as proof of my identity. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: ID Analytics, Inc.
State: MD
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:
IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE. MY ONLY ADDRESS IS XXXX XXXX XXXX MD XXXX PLEASE REMOVE AND UPDATE ALL OTHER ADDRESS. 
I noticed several inquiries had been made and where not for permissible purposes which is a violation of FTC law 604 [ 15U.S.C.1681b ] : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Fraudulent accounts and Inquiries appearing on Credit Report. 


Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-02
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: CO
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:
XXXX Leased vehicle as total loss. Insurance fully compensated company and paid company. Have disputed for years, but remains as a " repo '' on my account and displays as over 180 days late. It should show paid off in full. XXXX provides a XXXX balance on the account. Equifax and XXXX refuse to correct the information, XXXX however, resolved the dispute and corrected the information immediately.

Colorado US District court XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX XXXX currently have some fraudulent inquiries appearing on my credit report. 


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

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 2023-07-01
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Transworld Systems Inc. purporting to be an attempt to collect a previously disputed alleged {$99.00} debt. XX/XX/2023, I sent them a letter disputing this alleged debt, a cease & desist collection attempts, an invoice for FDCPA violations contained in the letter, and a pre-arbitration demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
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: Old information reappears or never goes away

Complaint:
I am a victim of an improper reinsertion. Federal law prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report unless the bureau receives a certification that the information is correct and then provides notice to the consumer that the information will be reinserted. After disputing the account, as of XX/XX/2019 Equifax showed no record of this account on my credit report and as of XX/XX/2019 the account was removed from my Transunion credit report. Recently, I realized that the account has been re-inserted into my credit report. I never received any notice regarding the reinsertion of this account. 
Previously, I have requested to see a complete list of all documents and correspondence in their possession that are associated with the account. This has been to no avail. There has not been any documentation sent to me. 
Therefore, I am requesting, in accordance with FCRA, that they delete this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/XXXX I submitted a detailed dispute towards my personal information be stolen through a security breach, there are accounts on my credit that I never authorized and they are fraudulent. the credit reporting agency never contacted me in regards to any updates despite the fact of receiving certified mail.

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 2022-12-16
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have five cards with Comenity bank. Within two months, I noticed that Comenity was not reporting payments and balance history. I called Comenity, and they were having problems wiith their new software. Another month went by, no updates from Comenity bank. I had to put in a disputes with XXXX. In the month, Comenity updated my credit. 

Even though Comenity cant report my credit on a timely manner, they can ran a credit report. They sent me a letter said that has gotten worse. They reduced Victoria Secret and my Torrid by {$50.00}. 
A hurricane came into Florida, I had to handle things after storm. Because I did not pay XXXX XXXX credit s payment on time, they dropped my credit by {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-16
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
In my reports a closed account with huge amount of missed payments. American Express is not mine charge-off account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA American Express has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Between XXXX - wellsfargo bank applied overdraft fees that seemed abusive and not just or agreed upon. 
They would apply overdraft fees and move money from XXXX account, Savings, to another account and charge in between a price. We have paid many times the cost. We asked directly to cancel the overdraft fee. Wells Fargo continued to use overdrafts for a long time, not fixing the problem and in between charging us time after time. 
Example - Situations like a direct payment to a savings account- would have no sufficient funds when the notice would come. I would go to my checking account, transfer the money within one hour, correct the problem during that hour, and be charged XXXX Euros - as an overdraft fee. 
The service was sold as a service that the bank would do to make sure the overdraft would be corrected. Wellsafrago was in fact, making a big amount of money for each occurrence or suspension. 
Because I was living on a tight budget, every time they would charge us an overdraft fee that would create an imbalance and they would charge more overdraft fees. 
It was a vicious cycle and I feel that I was mistreated and unfairly robbed. 
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 2023-03-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2023 a trial modification plan was offered to me. A foreclosure sale date was scheduled a week after that. The sale dat is for XXXX. A modification review is also active. On XX/XX/2023, I received two letters notifying me of a sale dat and another acknowledging that a review for a modification is active. The letter also states that foreclosure actions are currently on hold on the account until XX/XX/2023. The letter went on to say that SPS will not file the first legal action, order of judgement or order of sale until after that date and that if the attorney has scheduled a sale date they will order it for it to be cancelled. This has not happened. This is dual tracking once again. I have spoken to different reps who insist that that sale date should remain even though the letter states it will be cancelled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, 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. 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 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 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 non-monetary relief
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-15
Company: EQUIFAX, INC.
State: LA
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 AM A PROTECTED CONSUMER. i know my rights. i certify that this request to block was made NOT in error, and my request to block information was NOT based on a material misrepresentation, and i DID NOT knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. Under 15 U.S.CODE 1681c-2 you must block all fraudulent accounts. Since i attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: Reese Law Group
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
COMPANY FILED LAW SUIT AGAINST ME WITHOUT ME BEING SERVED, AND DOCUMENTATION WAS SAID TO BE DELIVERED IN PERSON TO ME BUT I WAS IN XXXX.I HAVE EVIDENCE I WAS IN XXXX.COMPANY SAYS THERE A COLLECTION COMPANY BUT USES LAW FIRM ADDRESS.COMPANY IS TRYING TO ASK FOR MORE THAN OWED.COMPANY USED DECEPTIVE ACTIONS TO GET A JUDGEMENT IN THE RENEWAL OF THIS CASE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : 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