BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
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: Public record information inaccurate

Complaint:
I have reached out and disputed inaccurate information that is reporting on my credit report with Experian for the last 6 months, a bankruptcy. 

I have reached out to Experian via telephone on multiple occasions to get this resolved with no success. 

Every representative at Experian, Experian website, and XXXX website says they receive Bankruptcy information from XXXX. 

I have received documents from XXXX regarding this bankruptcy that Experian has reported. This Bankruptcy is not reporting on my XXXX and it is not mine. 

I have received documents from the courthouse as well that say they do not report to any credit bureaus. 

On every occasion that I have reached out via the telephone with an Experian representative, they mentioned the information is coming from XXXX. I have also reached out to XXXX and they said this is not coming from them. 

I spoke with XXXX on XX/XX/2022, and she said I needed documents from the courthouse and XXXX. I have supplied these documents multiple times to Experian. XXXX said her supervisor, XXXX needed a document from the courthouse saying the Bankruptcy is not mine. I have provided that document as well. I also requested the documents they receive to verify the bankruptcy, Experian sent me a credit report and mention they don't send consumers documents they use to verify this information There is currently an active lawsuit in California against Experian XXXX XXXX due to the inconsistent information and violation of the FCRA laws. I will be reaching out to my XXXX officials regarding this matter if Experian does not remove this Bankruptcy from my credit report. 

I have attached all of the necessary documents Experian has been requesting to remove this and I attached XXXX website as well.

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 2022-11-30
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD 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 FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WORLDXXXX XXXXXXXX WORLD-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 non-monetary relief
Consumer complaint received 2017-03-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I, XXXX XXXX believe that the credit bureaus such as Equifax are essential to the American credit community. The system of credit reporting is massive and the credit bureaus are not given the credit they deserve serving hundreds of millions of consumers and millions of businesses in America. Sometimes, when a consumer has a legitimate complaint against how a certain subscriber is reporting a credit payment history, a bureau such as Equifax can not be blamed for an indiscretion because a corporate subscriber break the rules that should be applied equally from the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Accordingly, I respectfully request a follow up from a complaint I filed directly with XXXX. My complaint response is # XXXX. My complaint was very specific. My consolidated student loans were never paid on as they have always been deferred. I graduate from college in XX/XX/XXXX, and my consolidated loan payments begin XX/XX/XXXX. It states that fact right under the STATUS of the account numbered # XXXX. However, XXXX shows no 30-day late payments, but a 60-day late for XX/XX/XXXX, and a 90-day late for XX/XX/XXXX. There are several other accounts that show a XXXX balance, loans that were consolidated and there was never an established payment history. XXXX already cleared the late payments on my XXXX credit report, but did nothing on my Equifax report. These negative items on my credit report hurts me personally, as I am a XXXX woman trying to better my life as well as the lives of my family. I believe that the XXXX should correct my credit report by removing all payment histories since I am not and have always been in a deferred payment status. I respectfully request a reinvestigation by Equifax to assure me that the XXXX abides by the subscriber agreement they have with all credit bureaus, especially Equifax. All my old accounts that were later consolidated should have all payment histories deleted permanently. There is no excuse for XXXX making such a personal hardship on me, since I have done everything requested of me by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I believe that I have been a targeted by your employees to discredit and discrimination. 
Since I open this account I have received over XXXX by 6 unauthorized debits, and believes there may be a conspiracy to steal my money with the government to cause negative default upon accounts with the U.S. Department of Education. 
My concerns were not address in XX/XX/2018 and I am being charged for checks fees that arrangements were made and should have not taken place, however, instead of honoring my requests I am being hit with boomerang checks that I specifically made arrangement therefor. 
It clear that on XX/XX/2018, when I first experience this problem with this account, I made arrangement with the Department of Education and US Bank to discontinue the boomerang check as I were hit with unauthorized checks and fees, instead of honoring my arrangement to prevent this reoccurrences with US Bank as XXXX have long history with banking discrimination, however, it seems, that here in Wisconsin, US Bank team up with corruption and help discrimination and hacks the internet to continue discrimination activity.

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 2017-03-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I RECEIVED A HOME LOAN MODIFICATION PACKET FROM WELLS FARGO IN XXXX XXXX. I CALLED TO INFORM THEM THAT I DID NOT REQUEST A MODIFICATION WANTED TO ENSURE THERE WOULD BE NO FUTURE ISSUES. I CALLED A SECOND TIME AS VERIFICATION, THE REPRESENTATIVE INFORMED ME THAT I WAS NOT AT LIBERTY TO REQUEST THE REMOVAL AND MY MONTH MORTGAGE PAYMENT WOULD INCREASE IN XXXX XXXX, IN ANTICIPATION THAT WELLS FARGO WILL BE PAYING MY HOMEOWNERS INSURANCE BEGINNING XXXX OF XXXX. I EXPLAINED TO THE REP., THAT I DO NOT ESCROW AND I PAY MY OWN TAXES, AND INSURANCE. THE ONLY TIME MY ACCOUNT WAS IN ESCROW WAS WHEN I ATTEMTPED TO MODIFY MY LOAN, A PART OF THE PROBATION PROCESS IS YOU INSURANCE AND TAXES MUST BE IN ESCROW. AT SOME POINT I DECIDED I DID NOT WANT TO MODIFY, RESCINDING THE REQUEST AS WELL AS MY ESCROW ACCOUNT. WELLS FARGO ACKNOWLEDGED THEY DID RECEIVE THE NOTIFICATIONS, AND REMOVED THE ESCROW. HOWEVER, DURING THE PROBATIONARY PERIOD FUNDS WERE ADVANCED TO PAY MY INSURANCE AND TAXES. BECAUSE I DID NOT WANT TO ESCROW MY ACCOUNT A TWO YEAR PAYMENT PLAN TO BEGIN IN XXXX, XXXX ... WAS INITIATED. IN XXXX OF XXXX I CALLED W.F. AGAIN HOPING TO GET A RESOLUTION I SPOKE WITH A XXXX ... XXXX XXXX. XXXX XXXX. ISSUE STILL WAS NOT RESOLVED ... IN XXXX I SPOKE WITH XXXX XXXX XXXX, HE ASSURED ME THE PROBLEM WAS FIXED, MY MORTGAGE PAYMENT WOULD REMAIN THE SAME {$760.00}. I GET MY MORTGAGE STATEMENT MY PAYMENT WAS {$1000.00}. I CALL HIM AGAIN, HE STATED HE WAS WORKING ON IT, AND PROBLEM WILL BE RESOLVED. I GET MY XXXX. STATEMENT ... .STILL {$1000.00}. I CALL AGAIN, THIS TIME I SPEAK WITH XXXX, SHE STATED SHE WAS WORKING ON THE CASE, AND WOULD HAVE AN ANSWER IN 14 DAYS. 14 DAYS GO BY, I CALL AGAIN ... THIS TIME I SPEAK WITH XXXX XXXX XXXX. SHE STATES SHE SHOULD HAVE AN ANSWER IN 7 DAYS, 7 DAYS GO BY SHE IS OFF OF WORK. THEY ARE BEYOND GIVING ME THE RUN AROUND. I WALK INTO WELLS FARGO IN XXXX, TEXAS, I SPEAK WITH XXXX.. HE CALLS THE MORTGAGE DEPARTMENT, WHO EXPLAINS TO HIM THAT THE ESCROW ACCOUNT CAN NOT BE REMOVED BECAUSE W.F. PAYED MY INSURANCE IN XXXX ... .I FAX A COPY OF COVERAGE TO THE MORTGAGE DEPARTMENT. I SPEAK TO XXXX WHO CLAIMS SHE SUBMITTED A DOCUMENT TO THE ESCROW DEPARTMENT TELLING THEM TO REMOVE THE ACCOUNT. SHE ASKED I GIVE HER 3 DAYS, 4TH DAY SHE IS OFF. IT IS MY BELIEF THAT WELLS FARGO IS UNDERHANDEDLY TRYING TO FORECLOSE ON MY HOME BECAUSE I AM A XXXX PERSON. MY TAXES ON MY HOME ARE PAID, MY INSURANCE IS UP TO DATE. THERE SHOULD BE NO REASON FOR THEM TO ESCROW MY ACCOUNT. I AM REQUESTING A FULL INVESTIGATION INTO THESE ALLEGATIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In Accordance with Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX and 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 2 : It also states a consumer reporting Agency can not furnish an account without my written instructions. It also has another violation having late payments being reported on my account ... .15 USC 1681- ( 2 ) ( A ) ( I ). ( 2 ) EXLUSIONS ( A ) subject to section 1681s-3 of this title, Any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a Violation of the FCRA to report " Late Payments '' as that is a transaction. In 15 U.S.C. 1681a definition ( a ) the term " Consumer '' means an individual and ( b ) term " person '' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. I have been violated by the credit bureaus and this is hurt my credit and this causing me to be denied credit. And I want these accounts removed 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 2017-03-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
1. Excessive fees from checking acct. 
2. Denied access to My mothers acct while attempting to withdraw money to evacuate My XXXX y.o.Mother and pets prior to hurricane XXXX..I am Her XXXX and We had almost no money between Us. 
3. Reposesed My car the day before what We agreed on and I had the money from cashing My Social Security check. They took the car that night rather than the following day as agreed.

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 2021-11-15
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid 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:
Requested a dispute for an invalid transaction on XX/XX/2021 for XXXX by XXXX XXXX. This was for a free trial that was unable to be cancelled online or via phone prior to being charged. 

Dispute was completed on XX/XX/2021, taking over 100 days to complete. After calling Discover, they claimed that information as entered incorrectly during the process, which caused a longer delay. Ultimately, the transaction was found in favor of the merchant, even with additional documentation showing proof a refund was to be given. Discover will not reopen the case with this new information or provide restitution for the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The credit bureaus stated my account was properly investigated for a bankruptcy they are reporting, but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking 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 2022-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Case XXXX Bank of America FHA foreclosure case has been removed to Federal Court under federal question Is an approved FHA lender required to follow Federal HUD regulations that requires the lender to contact by mail, phone and face to face with mortgagors PRIOR to filing foreclosure and remit proof the regulation was followed when ordered to do so in court?

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 2022-12-27
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, my home was damaged. My homeowner 's insurance company. XXXX XXXX XXXX sent an adjuster to look at the damages. I had wind damage to my roof and mold damage to several walls and baseboards. On XX/XX/XXXX, XXXX XXXX sent me a preliminary settlement for the damages of {$44000.00}. The check was made out to me and my wife and also HomePoint Financial ' At the point, I called HomePoint to see how to handle the check. They sent me written instructions on how to endorse and send the check to them along with the various accompanying documents they required. They acknowledge receipt on XX/XX/XXXX In addition, the XXXX XXXX adjuster sent his report on the damage and the cost to repair to it on XXXX XXXX. It even included a contractors estimate and agreement to do the work. Initially, HomePoint told me they would send me a check for the repairs but withhold ten percent the amount until their inspector approved the work. I never received the check nor heard from HomePoint again. I have called them several times and each time they had an excuse for not sending the check. Finally, on XX/XX/XXXX they told me that they did not like the adjustors report, so they were putting the check in escrow. They offered no remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX and Equifax credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( XXXX ), 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 creditoXXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2017 Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX, XXXX XXXX Na, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX bank XXXX, XXXX of XXXX, XXXX XXXX NA, XXXX, XXXX, XXXX XXXX NA, XXXX MAIN, XXXX Card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am a victim of identity theft please remove this fraud inquiry 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 2017-04-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I received a copy of my credit from Experian on XX/XX/2017. And I do not think they investigating my account situation. # XXXX they are not stating how they are verifying the information. They information they have on file is inaccurate. They can not say they called the company because the company they have list with the phone number is disconnected. I do not feel I am being treated fair. The number listed is XXXX. Along with the information they are sending me. States This item remained unchanged from our processing of your dispute in XX/XX/2017. How is that possible when they clearing sent me a report XX/XX/2017. I really feel they are lying to me with the information they are putting on my credit report. So either they putting false information on my credit report, or putting whatever they feel at that moment. I think that is unfair to me because I been working hard to pay things off what belong to me. I inform them under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( XXXX ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. I attach some example of the credit report to show what I referring too.

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