BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: CA
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:
I have Disputed this Account about removing XXXX XXXX XXXX bankruptcy due to : 1. Violation of Privacy Act : XXXX Edition A. The No Disclosure without Consent Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 

Under the Privacy Acts disclosure provision, agencies generally are prohibited from disclosing records by any means of communication written, oral, electronic, or mechanical without the written consent of the individual. 

I DID NOT GIVE ANY CONSENT by written, oral, electronic, or mechanical to XXXX, EQUIFAX NOR XXXX to share my information publicly on their platforms. 


Comment : A dismissal refers to the courts decision to terminate a court case without imposing liability on the defendant. 

Comment : I was living in The State of Georgia when On XX/XX/XXXX, due to the impact of COVID-19 on the State of. Georgia, Governor of GA issued Executive Order No. XXXX, declaring a Public Health State of Emergency Complete Shut In and Shut Down Covid 19 Epidemic Caused this issue, I do not deserve to punished for a world epidemic. 

I asked them to remove it on these dates below : Report Number XXXX Date Generated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Public Record REF # XXXX .... 

Remains Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Record REF XXXX XXXXXXXX .... 

Remains Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Updated Report Number XXXX Date Generated XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Public Record REF XXXX XXXX XXXX. 

Remains XXXX Date Submitted Estimated Completion Status XX/XX/XXXX XX/XX/XXXX In Process Equifax Dispute status All disputes ( XXXX ) Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX The is an attached letters and documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions 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 am a victim of identity theft and request the elimination of this fraudulent inquiry from my credit report.

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 2023-12-17
Company: DISCOVER BANK
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a credit card account summary, with a {$170.00} balance. 
This account summary is in error, if not fraudulent. 

I havent used a Discover card in years, and with all my credit cards, I set up auto bill pay. And, I don't carry have a balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 complaint on my own behalf. Upon reviewing my credit record, I discovered an unauthorized item. Despite sending them letters over 30 days ago, they have not responded adequately or provided sufficient validation. I kindly request your assistance in addressing this matter. I am prepared to pursue legal action to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: AmeriHome Mortgage Company, LLC
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage is escrowed and they failed to pay the property taxes on time and i received delinquent notice letter from the county, so i decided to pay it and ask the mortgage company to reimburse me. XXXX XXXX charged {$110.00} in late interest and fees that the mortgage company has NOT reimbursed me for and should not send this from my escrow account since this is their fault, not mine. They only sent me an escrow check of {$2500.00}, which wasn't even the full amount i paid but they decided to do an escrow analysis for it. Amerihome is responsible for reimbursing me the {$110.00}, but NOT from my escrow account. This has been a nightmare to get them toe ven reimburse me any portion of my escrow account, when this was their mistake to begin with. See attached letter and property tax payment information showing that I paid the taxes to the county in full, including the {$110.00} in interest/fees. That is the amount i am asking to be reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 HAVE NEVER APPLIED FOR CREDIT WITH XXXX XXXX ON XXXXXXXX. 
I HAVE NEVER APPLIED FOR PERSONAL CREDIT WITH XXXX XXXXXXXX ON XXXX. 
BOTH COMPANIES HAVE BEEN NOTIFIED. 
THESE UNAUTHORIZED TRANSACTIONS FOR CREDIT ARE NOT MINE.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have recently discovered that my income has been wrongly included in my credit report, which is a violation of the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). 
I would like to draw your attention to the Internal Revenue Service ( IRS ) guidelines regarding the reporting of cancelled debt as income. As per the instructions found in the 1099-C form for the debtor, cancelled debt is required to include the amount as my income.INCOME is not be reported by consumer reporting agencies. However, I have noticed that this incorrect reporting of my cancelled debt which is my income has occurred on my credit report. Accounts that are to be removed are as follows ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX 
This error made by the consumer reporting agencies not only misrepresents my financial situation, but it also has significant consequences for my creditworthiness and financial standing. I believe that this misinformation may lead to potential adverse effects, such as denial of credit, higher interest rates, or inability to secure loans or housing.

In light of this issue, I kindly request your intervention to ensure the immediate removal of this inaccurate information from my credit report. I am aware of the rights and protections granted to me under the FCRA, and I trust that the Consumer Financial Protection Bureau will act accordingly to rectify this situation.

I have attached copies of the relevant documentation, including the 1099-C form as per the IRS guidelines , to support my claim and provide evidence of the inaccurate reporting. I kindly request that you investigate this matter promptly and take appropriate action to correct the error.Please note that there is no federal law stating that I have to give my SSN to a consumer reporting agency to prove who I am. I have attached my ID.

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 2023-08-07
Company: Experian Information Solutions Inc.
State: LA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am writing to file a complaint against TransUnion for blocking my access to my credit report. Despite multiple attempts to contact them and resolve the issue, I have been unsuccessful. 

I have been on hold for over XXXX hours on several occasions without resolving the problem. This has caused significant inconvenience and has prevented me from accessing important information about my credit status.

When attempting to access my account online, I received the following error message : " We're unable to complete your request online. Please try your request by phone or mail. ", I was unable to reach a representative despite calling during their stated operating hours.

This lack of access and poor customer service is not only frustrating but also concerning, as it prevents me from monitoring my credit report and ensuring the accuracy of the information contained therein.

I kindly request your assistance in resolving this matter. I believe that consumers have the right to access their credit information promptly and without such undue hardship.

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 2023-10-27
Company: EQUIFAX, INC.
State: CA
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 with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions 1. US DEPT ED Active {$4800.00} N/A of Credit Limit 2 . US DEPT ED Active {$3700.00} N/A of Credit Limit 3 . XXXX Closed {$2700.00} N/A of Credit Limit 4. XXXX  Closed {$7600.00} N/A of Credit Limit 5 . XXXX Closed N/A N/A of Credit Limit 6. XXXX Closed N/A N/A of Credit Limit 7. XXXX Closed N/A N/A of Credit Limit 8. XXXX XXXX Closed N/A N/A of Credit Limit 9. XXXX  Closed N/A N/A of Credit Limit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get an issue with my escrow account resolved for almost 3 weeks with DiTech. I have had THREE different escrow analyses performed all in a span of 14 months : XX/XX/XXXX : paid {$49.00} shortage XX/XX/XXXX : paid {$4100.00} shortage XX/XX/XXXX : asking for another {$5900.00} by XX/XX/XXXX I know that my tax liability did not increase by 46 % between XX/XX/XXXX and XX/XX/XXXX.

I do not know why they are not taking the {$4100.00} payment that I made on the escrow analysis performed on XX/XX/XXXX into account for the analysis performed on XX/XX/XXXX.

If you account for the amount I just paid on the analysis dated XX/XX/XXXX ( {$4100.00} - check cleared my bank on XX/XX/XXXX ) and add the new proposed amount by DiTech on the analysis performed on XX/XX/XXXX ( {$5900.00} ) there is a total of {$10000.00} of a " escrow shortage ''.

There is no way that I should have to pay out {$10000.00} to an escrow account in a 3 month span, so I figured I would call DiTech to get some information.

I called DiTech on XX/XX/XXXX at XXXX CST and had to wait on hold for 50 minutes only to be told by the agent that he isn't sure what is going on but is sending my account to a " researcher '' where I am to call back myself in 10 business days ( XX/XX/XXXX ) to get an answer.

I called DiTech a second time on XX/XX/XXXX at XXXX CST as requested only to sit on hold for another 51 minutes. The agent " XXXX '' finally informed me that she has no information in regards to this matter and that it is still being " researched ''. She took down my email and told me that she will reach out to me by the end of the week with an update, but I have yet to hear from anybody.

I can not get any information from my mortgage company in regards to my mortgage and why my escrow account is calculating incorrectly. DiTech has recently filed for bankruptcy and their customer service is severely lacking in the ability to provide basic information on a mortgage that has been in their care for well over a year.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am requesting that XXXX XXXXnot hold me liable for fraudlent charges I am a victim of identity theft I explained to the card holder that I would only be paying for my items that I actually purchased however they denied that and informated that if i made an a payment during the investigation that the cybercriminals would have access to so they then maliciously reported mye 90 daus late which is impossible they are violating my consumer rights and they need to update the credit reports according because I would ot because they are holding me liable for charges that area fraudlent. 

I am requesting that XXXX XXXX listen to their recordings and acknowledged there terms and condition because I am protected unters ther zero liablity protection and I have another service to product to repair my identity and they have not been at all cooperative or understanding that all the devices where compromised by a hackwer who then gets someone to rob be of those said devices and its whithin these devices my digital Identity has suffered

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I was having my hair styled in XXXX XXXX, California. 
I got a phone call when I got home by Wells Fargo saying there was " suspicious activity '' on the XXXX credit card. They asked me if I was at XXXX XXXX, XXXX, buying pants, XXXX XXXX, etc. I said I only was at the hair stylist and confirmed the amount! The Proper Response Should have been " Don't Worry-you got hacked! Let us handle it. '' Instead ... 1.5 Years Later ... Wells Fargo REFUSES to make good and take responsibility-saying I told them my card was stolen, and THEN saying it wasn't. I have PROOF from the stylist signed by her saying I was with her from before noon to early evening-making it IMPOSSIBLE for me to be anywhere else!!! This is CROOKED THIEVING Wells Fargo-who got BUSTED by the US Senate for $ $ {$3.00} BILLION for opening up PHONY accounts of their customers! I reported them to the XXXX  and it is on record! Even EVERY Late Night TV host has SLAMMED Wells Fargo for being " The XXXX '', etc. This has caused me LOADS of stress and time and THIEVING BULLIES must NOT be allowed to operate in our free country like 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 2018-12-31
Company: Bread Financial 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:
Have been an victim of identity theft. I have located that there is a XXXX XXXX account in my name going to a previous address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have repeatedly requested the address XXXX XXXX XXXX XXXX XXXX, NY XXXX , to be REMOVED and provided my 6-generation address of XXXX XXXX XXXX, NY XXXX, to be corrected and remain on the report. All three credit bureaus refuse to acknowledge it.

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 2023-05-06
Company: CITIBANK, N.A.
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! XXXX XXXX, XXXX, Citi Cards. 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding deletion of all accounts listed due the identity theft.

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