BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 



Remove the Inaccurate Accounts immediately the accounts doesnt belong to me : XXXXXXXX XXXX XXXX Account number : XXXX XXXXXXXX XXXX XXXX Account number XXXX, has violated my rights . 

Ive sent proof for 2 Years straight and XXXX and equifax is still reporting inaccurate accounts this is my final attempt to have accounts removed without hiring my attorney and filing lawsuits for damages and losses for the inaccurate accounts being reported on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  XXXX. 
Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. there is some inaccurate information reporting. 
XXXX SELF-REPORTED Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX SELF-REPORTED Account Number : XXXX Please remove it 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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-07-07
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony bank issuer of the Care Credit program decided to lower my credit limit. The issue is that per regulation b they are required to contact me in writing prior to the change which they did not do. They never even mailed anything. They sent an email to someone, and won't even tell me the email address they've been sending my personal statements and other notices to but were more than happy to confirm they're not sending them to my email or my mailing address. Another violation of regulation b.

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 2022-11-14
Company: Convergent Resources, Inc.
State: KY
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 or about XX/XX/2022 the company was contacted by me regarding information I believe inaccurate and/or incorrect being reported on my credit reports. I asked the company to provide account level document regarding the account. I asked the company to provide proof of ownership of the account among many other items which can be seen clearly in the attached documents the company has failed to respond and failed to delete the information it is reporting as accurate.

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 2022-11-14
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
RE : Flagstar Bank, XXXX XXXX XXXX, XXXX, MI XXXX In XX/XX/XXXX, the FHA loan was approved and funded without the loan servicer confirming all repairs were complete, specifically the lower level A/C unit -- which ultimately affected the XXXX XXXX XXXX XXXX XXXX XXXX. 

In early to mid XXXX, I experienced an unexpected loss of income an immediately contacted the Flagstar Bank as a proactive measure ; but was advised to allow the loan to default before applying for assistance. Loss Mitigation efforts were handled with negligence and prejudice, thus resulting in undue financial and emotional strains over a period of 3 years. 

A total of XXXX Loss Mitigation applications were submitted. During the 3 year process, there was either NO communication or lack of communication via mail or phone calls. However, it was the mishandling of the initial Loss Mitigation app that significantly changed my family 's life.

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 2017-01-31
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The loan servicing of our first mortgage was sold by XXXX to Nationstar Mortgage in XX/XX/XXXX. Our XX/XX/XXXX payment was lost in the transition. XXXX has acknowledged that they received our payment on XX/XX/XXXX, and then sent the payment to Nationstar on XX/XX/XXXX. Nationstar claims they never got it. We have been a month behind with Nationstar ever since. Additionally, we have been paying above the required payment amount, yet Nationstar has not been applying that to principal as is common practice. They have been putting the money in a suspense account. Unless I ask them to, they do not apply it. I have called Nationstar XXXX times ; sent emails XXXX times, including filing a claim with them for the lost payment. A subsequent call to their Customer Service department said our claim was declined, although I never received any correspondence to that effect. We are getting saturated with late payment collection calls ( almost daily ) and notices about how they can help if we ca n't make payments. Totally not the issue here. 
My last conversation with them was on XX/XX/XXXX. My mortgage broker and I tried to work our way up the food chain - c/s rep, c/s supv ... - landing on a c/s manager named XXXX. XXXX promised a call back on Monday XX/XX/XXXX @ XXXX a.m. with response after speaking with his Vice President. On XX/XX/XXXX, I called and asked for him. Either he was n't there or was n't taking calls, nobody was sure, nor did them seem to even know who this guy is. To date I have made numerous attempts to resolve this with Nationstar. At minimum, they should bring ouraccount current as they have the confirmation from the prior servicer that my loan payment was received. What they do in the background to get their money is for them to do and not in any way affect my/our status and credit. Of note : because of this payment being " misplaced, '' our XXXX for XX/XX/XXXX will now be incorrect and I fear XX/XX/XXXX reporting will not be accurate as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I requested the credit bureaus do a verification of a few account for accuracy. They completed their investigation with the companies in question ad stated all information was verified and accurate. i decided to do a thorough research myself and found improper inaccuracies on the report after their investigation. 
In accordance with the FCRA, these creditors listed below has violated my rights under 15 U.S.C 1681 sec 602A. states I have the right to privacy 15 U.S.C 1681 sec604 A sec 2. States a consumer reporting agency can not furnish an account without written consent 15 U.S.C 1681 sec 623. All data must XXXX % accurate and verifiable 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 2023-06-12
Company: Experian Information Solutions Inc.
State: NJ
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 strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 my Numerous complaint to update this suspicious information. I think you have not validated these items and I believe they have failed to authenticate these items. I included this in my last COMPLAINT and hope that these items be verified completely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/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 2022-08-29
Company: EQUIFAX, 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 Account # XXXX # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2021-07-12
Company: CITIBANK, N.A.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am getting a hit to my credit every month that reads this : XXXX. XXXX, XXXX Delinquent Account Account Number : XXXX CITIBANK , N.A . 
Student Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Delinquent : {$1500.00} Consumer Statement : Profit and loss write-off I also have several closed loan accounts that were closed in XXXX and XXXX during the class action suit against Citibank for {$3.00} XXXX. I think that I am also due a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
On Friday XX/XX/XXXX, I received a cheque for {$600.00} in the mail made out to me and drawn on an account with Fifth / Third Bank in XXXX XXXX, MI by the XXXX XXXX XXXX XXXX  ( XXXX ) - a State Agency. It was a refund of an overpayment of child support. 

That same day, I presented the cheque for payment at a local branch of Fifth / Third Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX. I had valid identification with me ( a Michigan Drivers License ). 

I was told by the cashier that it was company policy to charge a 2 % fee and that I would need to build a credit profile with their bank as I don't have an account with them. I told her that they have an obligation to cash the cheque without a fee. She refused. I left. 

I believe that this was illegal. In this case, I was fortunate to have an account with a local credit union and could clear the cheque through it. I had hoped to access the funds immediately but was forced to wait. 

This policy clearly is discriminatory and forces the poor who don't have bank accounts ( primarily people of XXXX ) to pay their fees. It is also a disgrace. They are charging their clients for having a checking account but are refusing to honor their cheques unless certain conditions are met.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed my credit report and on XXXX/XXXXXXXX and observed 17 inquiries each from a different lender. These lenders pulled my credit without my permission. I did not give verbal or written permission to review my credit report. I did not give XXXX XXXX XXXX permission to shop my credit. The salesman that day told me XXXX will be the only company pulling your credit profile. XXXX can not and did not provide me with any documents or electronic signatures from me authorizing these companies to pull my credit. I am requesting all of the attached inquiries. This has dropped my credit scores and I am requesting the deletion of all inquiries pulled on XXXX/XXXXXXXX

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 2021-07-12
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Early this year I left my debit card in front of this computer I am now using, which I allow my XXXX year old son and friends use. It disappeared and I put a stop on it. When it didn't show up after weeks, I requested a replacement, by phone. One was sent, but only to the street address, and I live in XXXX. It seems to me that disgruntled and poorly paid employees are engaged in a kind of work slow-down in which they intentionally fail to do things properly. I noticed the address on my account had been changed to one without province or country and contacted Wells Fargo Bank to correct that. The address was again changed incorrectly, but mail continued to arrive from them, just not mail with a replacement debit card. I made contact again and again, wasted hours and hours on the phone, and finally asked if I could use my credit card to access my funds, and not be charged extra for doing that. I was advised to go ahead then request a fee waiver afterwards, and did so. I was charged about {$240.00}, requested a waiver and was offered a discount of {$20.00}. I said that that wouldn't do. 
At one point I was asked to accept and return a code number sent by SMS. I said I couldn't get to the SMS code while remaining on the phone with the " Banker '' - we disconnected and I'd have called back with the code but none ever arrived. I have complained and complained but for half a year now have been in difficulties because of Wells Fargo ineptitude and incompetence. I could deposit a check but would then be forced to wait SIX MONTHS for the money to arrive to my account here in XXXX. Or I can use the extortionate " cash advance '' through my credit card to access funds already in my account. This has gone on far too long and I now have no faith in Wells Fargo to provide the services they have long been engaged by me to provide. My address has not changed in 10 years and I continue to get mail from them, mostly to say that an address change for me has been made, despite that my address has NOT changed, except by one numeral in the road name, a change made by local government over which I have no influence and which the post office here doesn't care about anyway. Please help. I have a family to feed, and today my wife, in fear, left for work in another province. None of us in this family are pleased about THAT!!! My address here in XXXX is 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 monetary relief
Consumer complaint received 2023-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 XXXX account # XXXX opened on XX/XX/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 furnisha 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 any purpuse

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