BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$600.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: LD Holdings Group, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold my home in XXXX, Florida and paid off the mortgage with Loan Depot. The balance was paid off on XXXX XX/XX/2021. Per the law I was to be refunded my escrow balance and any overpayments. I have yet been able to receive my refund. According to Loan Depot the refund was mailed on XXXX XX/XX/2021 but was mailed to an erroneous address which I never received. I was told on XXXX XX/XX/2021 that I had to wait until XXXX XX/XX/2021 to ensure the check had not been cashed and that they would reissue the check and express mail it to me overnight on the following Monday XXXX XXXX and that I was to call in on Tuesday and receive the tracking number for the shipment. I was then told on Tuesday that the check had not been reissued nor sent overnight. I spoke with a supervisor who assured me the check would be reissued on XXXX XXXX and on XXXX XXXX I could call and get the tracking number. On XXXX XXXX I was told that the check had been released but had not been sent overnight because there was no tracking number. To date on XXXX XXXX I have not received the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXXXXXX XXXX XXXX abruptly stopped reporting to credit bureaus in XX/XX/XXXX. I use this card once a year and pay it off immediately, Ive had a XXXX balance since XX/XX/XXXX. As a result of their negligence, my credit score dropped in XX/XX/XXXX Showing I was 120 days late. I called and was told nothing can be done until I demanded to speak to a supervisor. The rep got angry but eventually transferred me. The supervisor said it would be fixed in 10 days and I got a letter from them admitting it. My score went back up. In XX/XX/XXXX they did the same exact thing showing I was 180 Days late. I called again and talked to 2 more people and got another admitting it but this time I was told It would take 90 days to fix. I disputed w credit agencies. In XXXX they did it again but went back 7 months. My credit score in falling rapidly. As a result I cant apply for a car loan for my business. I called again and they just shrugged their shoulders. I disputed it again with credit agencies who said my dispute was complete but it would take 45 days to fix. Im afraid XXXX will keep going back further and further claiming late payments. I have XXXX recourse. My business is suffering. My employees are suffering. Ive never been late with any payment and had a good credit score before this. XXXX refuses to help. This is the type of thing that causes financial ruin for responsible credit users. Even if I cancel this card I will get further penalized for having fewer cards. I filed with the XXXX  but I havent heard anything back. Please 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 2017-01-04
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Issue: Rewards

Complaint:
Dear Sir/Madam, I am writing to complain about the AMEX XXXX Preferred Guest Credit Card. Seeing the pre-qualified offer that spending { {$3000.00} } within the first 3 months I can get XXXX Starpoints, I applied for this card XX/XX/2016 through the link online. I spent { {$3800.00} } in the first 3 months, which is much more than what the offer requires but I never get the XXXX Starpoints till now. ( Detailed statements for the first 3 months are attached. ) I reported my situation to AMEX several months ago and tried to call the customer service tens of times but each time I got the same response that I need to wait for 6-8 weeks for reviewing without knowing the reason. I think I am definitely qualified for this offer and at least XXXX AMEX customer service representatives already confirmed that I am eligible to receive the points but they just do n't give me the points and let me wait. Therefore, I am hoping that AMEX can give my Starpoints that I deserved ASAP. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: NE
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 made a payment to settle my account on XX/XX/XXXX! I was told after XXXX business days my credit will be updated. I was also generated a letter stating my account has been settled but yet XXXX still reporting on my credit report!! PLEASE FIX THIS. Its causing so many problems. Really a defamation of my character! Fix it! And compensate for the rejection of my home for me and my kids due to this nonsense!

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 2021-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Capital one They Took money out of my moms bank account when she added me as a signer to help her when she couldnt get there. XXXX there anyway she can get her {$3000.00} back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Holder : Mr XXXX XXXX XXXX XXXX XXXX Contacts : XXXX XXXX Details of your complaint : Let me be clear above a few facts, 1. The personal XXXX and the business XXXX are recorded on my XXXX XXXX as being closed for sometime, 2. you can not go into XXXX and submit information of late status payments when the account is Closed, credit card agreement had been reached which changed the original date from the XXXX of every month to the third 3. Reason being the XXXX of every month is only for active accounts my personal visa is non Active my business visa is also non active and has been in hardship department for sometime therefore I am not held responsible under the agreements of a active account. 4. 
All expected payments on this account will be paid on the third of each month and not before and I don't care what your review is coming XX/XX/XXXX, It was I who found a way to start paying on those two credit cards as far as I'm concerned we can go back to the way it was XXXX for the car and nothing for the credit cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX XXXXXXXX Balance : {$140.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$11.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXXXXXX Balance : {$630.00} ; XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX ; XXXX XXXX XX/XX/2022

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 2023-07-09
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:
Received text about transaction from my bank Wells Fargo. I contacted Wells Fargo they didnt send the text, l received new debit card.

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 2023-07-09
Company: BROKER SOLUTIONS, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, New American Funding, debited a double payment this month. I think they double clicked a key and took out XXXX duplicate payments. I contacted them and they said i had to email my bank statement showing the double payment. They wouldn't remove the extra payment. They also wouldn't accept a screenshot of my online bank account showing the double payment. In the process of this mistake, my account was overdrawn by a XXXX dollars and I was charged a NSF fee of {$32.00}. They weren't interested in resolving this issue. So, I called my bank and put in a dispute. The bank refunded the extra payment and removed the NSF fee and started the investigation. This evidently XXXX off my mortgage company so they sent me an email with this response : This notification is to advise you that your bank recently rejected an automatic payment draft that you had authorized New American Funding to make on your behalf. A returned payment fee has been assessed to your account. 
They charged me " XXXX '' payments, not XXXX. Only XXXX of the payments was reversed, the one they mistakingly charged me and overdrew my account without my authorization. I have autopay so they can take out whatever they want. 
I'm very upset. I have never been late and have autopay so I'll never miss a payment. This company has done other sketchy things, causing me problems on my closing day and overcharging me. I can't afford to refinance right now and I feel I'm being intimidated by this company. I need help. I am calling my bank again, but don't know if they are going to take this payment out again and overdrawing my account, which they threatened to do on the XXXX. My next payment isn't due until XXXX. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I wrote to them requesting an investigation into items that I believed were Inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time.

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 2022-02-12
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additional Violations : 18 U.S. Code 1341 - dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure or selling my personal information without my consent. 15 U.S. Code 1692d ( 1 ) - for destroying my reputation. 18 U.S. Code 112 ( b ) - for attacking or endanger my liberty as a non-citizen national of the United States due to negative report/s without my consent. 18 U.S. Code 2340A - Torture due to unlawful negative reported, distributed, released, or shared without my consent. XXXX XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ) - Liable for willful non-compliance because of not removing the negative reports which is being reported without my consent. 15 U.S. Code 1681b ( 2 ) - Reporting without my consent. 15 U.S. Code 1692a ( 1 ) - Pretending to be a credit bureau. Demanding Cease and Desist asap. 15 U.S. Code 1681 ( 1 ) - Inaccurate credit report due to no consent reporting. US Court of Appeals, Ninth Circuit, XXXX. XXXX, XXXX vs XXXX XXXX XXXX inaccurate reporting due to intentional defamation/ no consent reporting.

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 2023-01-12
Company: Experian Information Solutions Inc.
State: NE
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on these accounts because they are reported wrong. You should corroborate your information and remove the negative information on this account. Can you please let me know how you verified this information? Now if it was just a clerical error ( which does happen all the time ) then this is your chance to fix that error. 

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 explanation
Consumer complaint received 2021-07-08
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX  ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXBalance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXXBalance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I am contacting you to request the removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information cease to be reported on my consumer report, as their presence violates the FDCPA and FCRA. I insist on their immediate deletion and removal from my consumer report, as their continued presence constitutes a violation of multiple laws. I kindly request that you promptly take action to remove these accounts and associated 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 non-monetary relief
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There are 6 accounts showing open on my credit TransUnion credit report that should be reporting as closed with XXXX balance.

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