BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or 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 2020-08-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I disputed a XXXX XXXX account in early XXXX that was in collections with XXXX XXXX because it was reporting inaccurately on my credit report. It was removed from my report and readded under XXXX XXXX XXXX in XX/XX/XXXX. It is still reporting inaccurately on all three bureaus. 

Although this account was originally opened in XXXX, XXXX is reporting it as new debt. My current credit report shows the account was opened in XX/XX/XXXX which is inaccurate. Experian shows the last active date as XX/XX/XXXX but XXXX  says XX/XX/XXXX while XXXX  says XX/XX/XXXX. This account has been inactive since XXXX. The notes on my credit report say that it meets FCRA requirements. I'm unsure how if they all say something different. That is a pretty basic rule of the FCRA ; accurate reporting. That only refers to the issues with my credit report. There are more inaccuracies there as well. 

But the reason for this complaint is as follows : I called XXXX on two different occasions and spoke with a manager who told me that they would look into the issue and return my phone call. They requested screenshots of my credit report which I provided. I didn't receive a callback either time. The manager told me he would return my email. On XX/XX/XXXX, I emailed screenshots of my credit report showing everything that was reporting incorrectly and they never responded to my email. That email was sent to XXXX who never responded to the information that he personally requested from me. I asked for proof that the debt was mine. They did not respond and never sent proof in the mail even though I gave them my updated contact information. I also did a direct dispute with XXXX. I mailed a certified letter to them directly on XX/XX/XXXX and they never responded. At this point, it has been almost 60 days with no response. The last time I called in, which was well after they missed the 30 day mark, the manager told me that they were waiting on the original creditor to send the documents. That is fine but the law states that they had 30 days to respond. They've taken almost 60 and there is still no response or accountability

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 2023-08-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2018-04-18
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have many promotions on my XXXX XXXX XXXX, they are zero percent for 6 months or 1 year. I keep up with all of my promotions on a spreadsheet. I know exactly when they need to be paid and have never missed one. Every month on my statement I am charged interest even though I make sure I pay more then what is due on my regular purchases. Example, last month my purchases were {$120.00} so I paid that amount and an extra {$20.00} to go towards my promotions that are not due until XX/XX/18. I still got charged interest because they did not apply the payment to my purchases first. Every month they apply my payments to the promotions which aren't due at that time and charge me interest on my purchases. This is XX/XX/XXXX and they are applying my money to my 0 % promotion that isn't due for 3 months. If I did not examine my statements I would never pick up on this. When I call they credit the interest and I am told that I have to call every month to tell them how I would like my payment applied. This does not seem fair. I, as I am sure everyone, would like to have the promotion be a promotion and not pay interest on my purchases. I feel that this is a scam and I can imagine that plenty of people are paying this interest and not calling every month. Please Help!!!! Thank You.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-09-29
Company: Valon Technologies, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
My original mortgage was re-sold to Valon Mortgage as of XX/XX/2023. 

XX/XX/2023 : Valon request condo Insurance XX/XX/2023 : I provide documentation of condo/building insurance as par t of my HOA requirement. 
XX/XX/2023 : Valon reports me late due to lack of insurance, and charges me + {$420.00} for insurance & late fees. I call Valon helpdesk and walk through steps on how to bring account up today. I agree to pay the {$420.00}, until Valon is able to process my proof of home insurance by HOA documentation. Was told that the extra $ will be credited to the following month. 
XX/XX/2023 : Same process as May ... re-submitting Insurance documentation, reporting me as non-payment even after receiving email that payment was received and applied. New request from Valon that I need XXXX insurance. ( I have lived in my condo for XXXX  years gone through various mortgage buy-outs and was never required to have XXXX insurance. I called Valon and after many calls a representative helped me open a ticket for someone to investigate my case and provide a detailed explanation. 
XXXX XXXX No communication from Valon -- late fees increasing. 
XX/XX/2023 : provided Valon proof XXXX insurance and request late fees to be remove and credit for their mandated insurance. 
XX/XX/2023 : Valon has not had a representative review my case in details, communicated with me via email nor telephone call. 
Company keeps bouncy me and providing genetic answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: RC Willey
State: GA
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 writing to bring to your attention an item on my credit report that requires immediate attention and resolution. The item in question pertains to a charged off account from RC Willey. Despite my efforts to settle the account by contacting the original creditors, I was informed that RC Willey no longer had the account, and it was transferred to XXXX XXXX On XX/XX/2020, XXXX XXXX XXXX to my debt validation letter, confirming that the item would be removed. However, to my dismay, the RC Willey charged off item is still appearing on my credit report. 

I kindly request that you thoroughly validate this item and take the necessary steps to promptly remove it from my credit report. The transfer of the account to a third party, XXXX XXXX, should have resulted in the removal of the RC Willey charged off notation, as confirmed in XXXX XXXX 's response to my debt validation letter. Therefore, it is imperative that this incorrect information be rectified as soon as possible. 

To assist in the validation process, I have enclosed a copy of the letter received from XXXX XXXX, dated XX/XX/2020. This letter explicitly states that the item would be removed from my credit report. I trust that this documentation will serve as substantial evidence supporting my request for removal. 

It is vital for the accuracy and fairness of my credit report that this matter be addressed promptly. The presence of incorrect information can have a significant negative impact on my creditworthiness and financial opportunities. I appreciate your attention to this matter and your swift resolution. 

Thank you for your cooperation. I look forward to receiving written confirmation once the RC Willey charged off item has been validated and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
INACCORDANCE 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 16.81 The accounts below have violated my rights.

15 U.S.C 1681 section 602A 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account closed 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 2018-12-06
Company: WELLS FARGO & COMPANY
State: TX
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: Didn't receive services that were advertised

Complaint:
Wells Fargo, N.A. misapplied a payment in XX/XX/2018. I was told they would correct in one billing cycle. It has been three billing cycles. I have spoken with several people who assured me that this would have no negative affect on my credit file. They reported it as late for more than 2 months, they have sent me two collection letters, and the worst is that my credit scores have dropped more than 60 points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-25
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got a loan through XXXX XXXX XXXX ( XXXX ) for the purchase of my home. On XX/XX/XXXX I got an email from XXXX stating that my loan would be transferred to Nationstar Mortgage LLC d/b/a Mr Cooper effective XX/XX/XXXX. The letter also indicated that if I was set up for auto pay everything would roll over and the terms of my loan wouldnt change. On XX/XX/XXXX Mr Cooper took out XXXX to cover my principle, interest, taxes, and insurance. On XX/XX/XXXX they then took out XXXX which wasnt the usual {$1400.00}. I called them on XX/XX/XXXX and they told me that my insurance wasnt escrowed. I gave the girl XXXX phone number so she could get what she needed from them. Almost a month later I have still not heard from Mr Cooper to confirm that my payments are not back to XXXX and what difference I need to pay to bring my escrow balance up so its not short. I also made a follow up call on XX/XX/XXXX only to be transferred several times and for another girl in the escrow department to tell me that my payments still do not indicate the correct amount. I want Mr Cooper to work with XXXX and get whatever they need from them. The second girl I spoke with on XX/XX/XXXX also informed me that they did receive the documents from XXXX so I dont understand the issue and why this hasnt been corrected so that my XXXX payment isnt short as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: NY
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:
On experian I have a fraud account called credit collection its supposed to be removed from my experian credit report I filed a federal trade commission identity theft report on social security number is 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 2023-03-03
Company: Experian Information Solutions Inc.
State: VA
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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2019-08-27
Company: Experian Information Solutions Inc.
State: IN
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:
In response to my prior complaint through cfpb, XXXX cards sent me a letter dated XX/XX/2018 apologizing for the confusion with my account and agreed to uphold our payment arrangement. They advised me that they would be writing my balance off at the end of the year. I went to help my son get a loan for his car and it was brought to my attention that my credit score had dropped significantly, more than 100 points from the 700s to now the 500s. In reviewing my credit report I found that sometime earlier in the year XXXX not only dropped my credit limit affecting my credit utilization and credit score, but also started reporting my account delinquent affecting my credit score. I called XXXX several times and about a week ago spoke to someone/manager who acknowledged that this should not be happening and he would get corrected. As recently as today, the account is showing 60 days delinquent, which is not the case per our payment agreement. 
I want my credit restored. If XXXX is going to write off the debt which will likely affect my taxes, then I do not also want to be hit with the terrible effect on my credit. In the last few months I went from good credit to poor credit which is not reflective of the type of consumer that I am. It is unfair and I don't think that any company should do that to a customer. Really disappointed with XXXX cards once again.

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There has been some information that has been reported on my file. I am a victim of identity theft with the incorrect items being put on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the theft of my identity to the Federal Trade Commission 's and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. On a personal level, my family and I have been in the process of making some very life changing decisions to provide a better lifestyle for us. I am a father of XXXX and I would like to provide a home for my family and I, however its been very hard with the incorrect items on this report. I would sincerely appreciate, if this report could be corrected immediately, as it is a hinderance on many levels.

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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX 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 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 2023-09-29
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: PA
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:
Equifax, XXXX, and XXXX are in violation of consumer law code 15 USC 1681 B Permissible Purpose. I did not authorize the inquiries below, nor did I give written consent for these inquiries to be reported. I demand these fraudulent inquiries be removed immediately. Additionally, I demand that Equifax, XXXX, and XXXX provide proof of my written signature stating that I authorized these transactions. If such documentation isn't provided I demand that the inquiries be removed. 

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 explanation