BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-19
Company: Freedom Mortgage Company
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-03-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report. I have reviewed my credit report and have found multiple entries that are inaccurate and not reflective of my credit history. Please see the following items that require your immediate attention : XXXX XXXX Account Number : XXXX I have no recollection of ever having an account with XXXX XXXX XXXX As such, I can not update any information on the account as I have no information on it. I request that you remove this account from my credit report immediately. 

XXXX Account Number : XXXX I have no recollection of ever having an account with XXXX As such, I can not update any information on the account as I have no information on it. I request that you remove this account from my credit report immediately. 

XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXXXXXX XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

I would appreciate if you could investigate these items and take the necessary steps to remove them from my credit report as soon as possible. I trust that you will handle this matter promptly and professionally. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to delete these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: Applied Business Services, Inc.
State: MO
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. XXXX XXXX XXXX XXXX XXXX, Applied Business Service INC 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 explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: CO
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 is an account on my Equifax credit report labeled as " XXXX ''. That credit card was stolen in early XXXX, and after I cleared up that incident with the company, there was no amount due, and no late payments. I have never had an amount due or late payments on any accounts, to show a pattern of my financial history. I requested to close my accounting XX/XX/XXXX and was notified by their legal and customer service departments that my account was indeed closed with nothing due and never being late. However, the company fraudulently opened the account in late XXXX without my knowledge or approval. They then reported an amount due late payments after my account had been closed. I provided the proof of information, from XXXX, to Equifax showing that my account was closed in XXXX of XXXX, and therefore couldn't be late in XXXX of XXXX or in XXXX. Equifax took no action. I notified Equifax that failure to correct the information was a violation of the Fair Credit Reporting Act ( FCRA ), and still they took no action. As a result, a mortgage was processing for a purchase of a home, and that loan company increased my rate due to this potential negative information that was false, yet Equifax refused to remove. Before I take further legal action, I ask CFPB to take this matter to Equifax to both update my report to include the correct information and to pay for the increased costs that I have been burdened with due to the illegal non-action of Equifax, which is essentially aiding in the fraudulent activity of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: U.S. BANCORP
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The Debit Visa card is no longer being honored by the bank. Valid thru XX/XX/XXXX. Had originally registered card in 2022 and had no problem using, used 2 or 3 times. Card currently has a balance of {$100.00}. Up to the end of 2022 the card worked. When the year turned,2023, card no longer honored. The website no longer recognizes the card or that I registered card, XXXX, and does not recognize the card number. When I call the XXXX number, I am continuously told that my name is not on the card? This is a gift card! The so called customer service I call, XXXX, continues to hang up on me and will not honor the gift card. This is a Gift card with a balance of {$100.00}, which I registered and used 2 to 3 times. XXXX 's, US Bank, and Visa is blatantly trying to steal the balance of my monies totaling {$100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-19
Company: SandP Solutions, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
During the early afternoon of XXXX, 2023, I was called by a man identifying himself as an Officer from Customs and Border Protection, in XXXX XXXX. He stated that someone with my name had been receiving XXXX XXXX, stolen packages and $ $ from XXXX and XXXX, and he asked if that was me. When I denied this, he then told me my ID had been breached. Because of this, he said he would pass me onto his colleague, XXXX XXXX, the XXXX Marshall, on XXXX. He told me to expect two Marshalls at my house the next day, that there would be an arrest warrant and that I could spend time in prison. He informed me that I had two options to resolve this issue, firstly, to hire a Criminal Lawyer and obtain Courthouse protection, or secondly, immediately provide money. I was able to withdraw {$5000.00}, then he directed me to a Bitcoin machine at a gas station. I was provided with a bogus QR code via a text message, my personal wallet and instructed to open an account and deposit the money. Later in the evening when I tried to access the XX/XX/XXXXmachine, it failed to recognize my identity, thereby making my money inaccessible. I have emailed back and forth with XX/XX/XXXXand their policy does not support or sympathize with victims of scams and will not refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: World Acceptance Corporation
State: MS
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Prince Parker & Associates
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a derogatory mark on my credit report from Prince Parker and Associate. Theyre saying I owe XXXX XXXX XXXX XXXX XXXX {$1100.00}. This is not true, I was switched to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. Ive tried several attempts to resolve this issue and nothing has been done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit 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:
I was billed for a purchase I did not sign for. I submitted an itemized receipt from the vendor and pointed out the purchase I did not authorize, and the vendor was unable to provide the receipt and the credit card company still did not refund the amount.

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 2023-03-19
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
Please see this letter as an immediate request to reverse ( XXXX ) inaccurate late payments from my credit report. I recently reviewed a copy of my credit report. I am concerned because there is information listed that is inaccurate. I check my credit report often because I know how important having good credit is. Any information reporting on my credit report by law must be validated, verifiable if not, that information must be removed or corrected from/on my credit report. 
THIS IS VIOLATION OF THE 15 U.S. Code 1681a- Definitions, rules of construction | U.S Code | US Law| XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) 15 U.S. Code 1681a- 2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Prohibition ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681a- 3 of this title any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Creditor Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX This account is reporting inaccurate late payment. Please reverse this inaccurate late payment from my credit profile and credit report immediately. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX, Va XXXXThis account is reporting inaccurate late payment. Please reverse this inaccurate late payment from my credit profile and credit report immediately.

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 2023-03-19
Company: EQUIFAX, INC.
State: CA
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 file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 

I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 

I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request. 

Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX has illegally reported a total count of twenty-two late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Card was used without my knowledge

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: MD
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am requesting to get my entire credit file. I have received several adverse actions against me. That contain inaccurate information. I am not asking for my consumer report. I have received a copy of all my up to date consumer reports. I need to retrieve my entire file that your company has assembled.

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 2023-03-18
Company: Fidelity Properties Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I visited XXXX XXXX XXXX  once in XXXX of XXXX. I believe the date of service was XX/XX/XXXX. During my visit I was instructed to do some home care and was told I didnt need any follow up visits or further treatment. I received my bill and started to post on it. I made several payments and in XXXX of XXXX I called XXXX XXXX to pay my bill in full and paid the exact amount I was quoted over the phone and was advised my account was paid in full. Fast forward to XX/XX/XXXX I get a letter from a collection agency advising I owe an additional {$75.00}. This was strange considering I was told a year prior my account was paid in full and received no other bills or contact from XXXX XXXX. I called the business, the billing agency, and the collection agency and requested my account statements showing what I originally owed, what my insurance paid, and what I paid. A few weeks later I received what I believed to be my complete account statement showing what I asked for and insinuating that I still had a balance due of {$75.00}. Per the letter it asked me to provide cancel checks or a written explanation if I believe that I had already paid this amount. So very quickly I went through my emails, and printed off copies of my bank alerts showing that I made a minimum of three different debit card transactions in XXXX however only XXXX were accounted for on the statement. With third payment being accounted for the company would then owe me {$25.00}. I sent them a letter and the printouts. A few weeks later they sent me another letter and a completely new account statement with more charges and visits. I believe their book keeping has failed and they are just throwing statements together attempting to get me to pay what Ive already paid. I am refusing to pay anything further and would like them to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries 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 2023-11-14
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
i have been trying for over 2 years to get the co borrower who is my x girlfriend off my loan nd i have been getting no where with that for over XXXX years now i am out of work due to a serious health condition and i applied for a loan modification to lower my monthly payment and they are doing nothing to help me and are raising my payment by around XXXX XXXX i need the payment lowered not raised and they are threatening to forclosure because i am behind on payments a few months due to health condition

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