BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-31
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Back in XX/XX/2016, it was reported that a settlement was issued for an old discount tire credit card. I signed up to help a friend back in high school who was in desperate need of funds but didn't have the credit history to be approved. Long story short, I got the card so he can get what he needed for transportation and it was our verbal friendship agreement that he would make payments towards my credit card to pay it off for helping him. I failed to make sure my friend was making his monthly payments towards my credit card on time. Everything was working out fine until he had a medical emergency with his family and was unable to make the payments. Unfortunately his pride got in the way and he never told me he wasn't able to make the payments until I found out for myself with delinquency letters from synchrony bank. I confronted him about it and he said he would handle it. Time went by to the point when I started getting collection calls. I sat down with my friend and he finally told me he couldn't make the payments anymore. We had received a settlement letter from synchrony and my friend offered to pay the settled amount since the interest and late fees were building up. I didn't understand the importance of credit until this took place. I have spent years since trying to rebuild my credit and I am managing to do so remarkably. This was a bad decision on my part for trusting others with my own credit, I was hoping there something that can be done to get this removed since this is the only negative impact on my overall credit history.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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.

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 2023-11-06
Company: TRIAD FINANCIAL SERVICES, INC.
State: IL
Product: Mortgage
Sub-product: Manufactured home loan
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
After Triad financial services bought my loan there's been nothing but problems for the past 3 years. First, they tried to charge real estate taxes on a rental lot. Towards the end of the loan they doubled my payments stating everybody 's insurance insurance went up. My homeowners insurance had not gone up the entire time with triad financial. When I paid extra it was supposed to be applied to principal only and they put it in a suspense account and never applied it to principal. The last 3 months it took them over a month to apply payments that were overnighted to them. 
I paid the entire principal plus extra because of their excessive fees and they said I still owed. This took from XXXX to XXXX to inform me. I called numerous times emailed several times and to find out where my title was. 
To get rid of the loan I paid the extra {$250.00}. I paid principal in the extra amount in XXXX I paid this extra {$250.00} in XXXX because I never got my title and it is now XXXX and I still do not have my title I do not owe any money. I feel they have continually and blatantly misused escrow funds and misapplied illegally held funds that we're supposed to be applied to principal and never were. I want this to end with my title in hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/2012, I call the company ( XXXX XXXX XXXX ) to pay off the account. They told me the account was sent to the collection company. I've tried to pay this account for the past 7 years with so many collection companies. It's been over 7years it needs to be removed 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 explanation
Consumer complaint received 2023-04-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXXThe bank created an early deposit program where money is available in your account up to two days prior to your initial payday. I had money deposited into my account and I began to pay bills. I noticed that on the next day, my account was negative XXXX. I called to see what was happening and was told well your statement balance at the end of the day remains the same even though you have access to the money. I shared with the representative that the statement disclosure she shared was not on their website and that I took screenshots of what it says. I also shared it is misleading to customers and wanted my money back to make my account not be negative. I was told they could not do that and referred me to a supervisor that did not help. The supervisor then told me my account at XXXX  on XX/XX/XXXX had a balance of XXXX and when the first bill posted on the XX/XX/XXXX, my account was negative. The supervisor then stated that my deposit posted on XX/XX/XXXX. I shared that isnt possible if my account reflects I have funds and were making purchases from my XXXX account that pay out immediately. The supervisor continued to say that even though I have access to those funds, those funds arent really in my account. I asked for the money back or to make my account current and the supervisor said she was unable to do that and would make a note to update the language on the website. 

XXXX My account is now negative XXXX as bills are posting. The deposit the representative said posted on XX/XX/XXXX still reflects as pending. There are still no updates on this process and I informed them I will be leaving the bank after all my bills clear and take my business elsewhere. You can not think you are helping customers and not be honest about what you are advertising. It is misleading.

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 2022-09-13
Company: Experian Information Solutions Inc.
State: KS
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:
Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines.

Credit Reporting Resource Guidelines. States : The FRCA states that companies which furnish data to the consumer reporting agencies have a responsibility to provide accurate information, to update and correct information. SEE PAGE 7-3 Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines : All account numbers should be reporting the same. XXXX and Experian are reporting late payments in XX/XX/2021.

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 2023-04-03
Company: Experian Information Solutions Inc.
State: MD
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 leased a XXXX XXXX through XXXXXXXX XXXX XXXX. The vehicle was totaled by a party that unfortunately was XXXX XXXX XXXX XXXX XXXX 
Because the vehicle was totaled at no fault of my own the other parties insurance. Paid for the remaining of the vehicle. I inquired through Experian, XXXX XXXX, XXXX, and XXXX on the information has been provided on my credit report. All three credit bureaus did not give me anything worth substance. XXXX never responded at all. I sent out certified letters, requesting all information and regard to this debt.

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 2023-08-04
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2017-07-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
many accounts not mine, many addresses that do not belong to me. names on my report that do not belong to me

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 2023-08-04
Company: Experian Information Solutions Inc.
State: SC
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:
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number XXXX, Account name : XXXX XXXX XXXX account number XXXX, Account name : XXXX XXXX account XXXX, Account name : XXXX XXXX XXXX XXXX account number XXXX account name : XXXX XXXX  account number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-07
Company: Experian Information Solutions 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:
I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXL XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, are a blatant violation of my rights and have severely impacted my financial standing. I demand that the Credit Bureaus take immediate action to investigate and remove these fraudulent items from my credit report without delay. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is the Credit Bureausr legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from the Credit Bureaus detailing the results of the Credit Bureausr investigation and the actions the Credit Bureaus have taken to rectify this situation.

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 2023-08-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
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: Account information incorrect

Complaint:
All three credit reporting agencies are reporting derogatory/inaccurate accounts on my consumer credit report. The accounts are listed as " charged off '' but I have never received a 1009C ( Cancellation of Debt form ) showing that the debt was cancelled. On XX/XX/2023, I reached out to each credit reporting agency regarding this matter, but nothing changed. The last date reported on some accounts are XX/XX/2023, so the inaccurate accounts have continued to be reported-even after the dispute. A couple of the accounts are showing the same account number but a different balance. I have copies of the letters that I sent to each credit reporting agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: ID Analytics, Inc.
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Both XXXX and XXXX are reporting unverified misleading untruthful and unfair information on my credit reports. They are placing 2 XXXX student loan accounts as verified when in fact they are not. XXXX removed both accounts for these very reasons that I am disputing they dont it have the necessary documentation to verify my commitment or agreement to this debt between me and the original creditor. They also do not have a valid signed original contract giving permission to sell assign release or in any form of transfer of any debt to XXXX. I dont owe this company because I dont know this company if XXXX removed this debt the fcra fdcpa both state that all debts must be 100 % accurate and complete. Also I do not owe this debt I have no knowledge of this debt at all. Also if you look at the payment history on XXXX they have several no information remarks on months of payment which also makes this debt incomplete these accounts must be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Experian on XXXX XXXX and I was concerned about a mortgage and auto loan showing up as closed or wasnt paid. These thing werent mine but listed as red arrows showing that they were not paid as agreed. That means somebody had access to my info opened these accounts and did whatever they wanted and now left on my credit report. Experian claims they cant see these things because they are not showing up on their end. I have called 4 times in total and did XXXX emails with proof. I had no help and was transferred between departments at least 7 times. My score has dropped XXXX points and I cant even get any help or reasoning on why. Because they dont have information that shows this mortgage or auto loan. This isnt fair so now I sit here with a XXXX score and no help because they claim theres nothing they can do. Horrible company and they dont care about their customers. It shows then they talk to you like youre crazy but you clearly have proof

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 2016-12-19
Company: MFP, inc.
State: ME
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
On the morning of XX/XX/2016, starting at XXXX, The 'company ' alleges that they have been referred my account for collections for some payday type loan. They asked me to confirm my name, address, and the last 4 of my social. Funnily enough, they did n't have my email address. They stated that if I did not make arrangements with them to pay the alleged debt that they would seek legal action, have me arrested, repossess my vehicle, file a suit against me -- but it could all be avoided if I agreed send payment to them right then and there. When I asked for proof of such claims ( to mail me any and all documentation ) they refused saying that if I did n't pay " I 'd be in big trouble '' I again demanded proof of such claims the caller began to become belligerent. I hung up. They called again. I stated that they were nothing but a scam and that if they had any such 'case ' that they would have proof and they would forward said proof to me. They said that they did n't have to prove anything to me. ( I did manage to get the caller to say what their company name was, " Financial Credit Solutions '' ) Several more calls were made to me and the caller became increasingly belligerent and stated that he hoped that I had all of my XXXX shopping done because " he was going to come after me for everything I had ''. At this point, I had had my fill and words were exchanged. 

Later that day, I found out that these people had made several phone calls to two relatives of mine and leaving the same type of threatening voicemail messages " That I had an important legal matter to tend to and that if it was not addressed then I would be sent to jail. '' Today, XX/XX/2016, I was informed by one of the same relatives that they had been called yet again today by these people.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29
Company: HW Holding, Inc
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hunter Warfield has continued to contact me regarding a debt with " XXXX '' for which I have never been a part of. In addition, they have been sent a debt validation letter from XXXX after placing an account on my credit and have yet to get a response, although the collection attempts continue. The account shows payments made on it however I have never paid the company a dime. This is not my debt. I receive upwards of 3 calls a day to my cellphone and have started to get calls at a previous employers office for which I never gave the number out. On my credit report, it shows I am disputing the debt however, they continue to contact me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I applied for an apartment at XXXX in XX/XX/2013 & was denied. A year later, I got a collection letter from Hunter Warfield demanding money for not taking the unit that XXXX said I was n't approved for. 

I hired an attorney who review the case & sent Hunter Warfield a letter stating I paid {$150.00} for an application that was declined and I am not responsible for the {$520.00} fee. 

Luckily for XXXX XXXX I received a notice about a a Collection on my credit report that warned me of this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief