BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
So upon checking my credit and going over my credit reports I found out that their was a bankruputct reporting on my credit report. When I saw that this was on my credit report Itook action and ask the Credit Brueas to remove this off of my credit report. They respose to me was it was verfied. How can they just say that it was verfied when I never gave them permission to verfiy it. 

The Bankruptcy is Dated on my report as XX/XX/2018. 

I have asked them numerous of time to remove this.This harming me and my kids by me being the sole provider. I am unable to get the job that I need. 

Per 15 USC 1681k ( 2 ) and 15 USC 1681 ( c ) them reporting this information is wrong.

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 2023-11-20
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: In progress
Consumer complaint received 2022-11-08
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
A woman by the name of XXXX XXXX called my daughter XXXX on her phone and got hostile n began making threatening comments about me. The comments consisted of a payday loan I had taken out with XXXX XXXX and got behind on payments due to getting COVID XXXX in 7 months XXXX a XXXX XXXX and XXXX XXXX  due to long XXXX. XXXX XXXX proceeded to make threatening comments of going after my XXXX check n holding it until the court was concluded along with me being sued. My daughter believing it was real gave me the number n I called XXXX XXXX back at which time she became hostile and threatening with me saying they were filing in XXXX county against me and she hung up. 

My daughter 's believing this was a true company and seamed real wanted me to call back. I did! I then spoke with a girl who said her name was XXXX at ext. XXXX and began to explain things in a somewhat calmer manner. I still was in my mind questioning this call XXXX began asking the name of the Company. At that time they told me XXXX XXXX XXXX. I then said what's your address and was rudely told they couldn't give that out do to safety reasons. When I questioned them about this XXXX XXXX became irritated. I continued on with setting up this payment plan even though I felt something was off. That's when I gave my debit card number and made a payment of {$180.00} and a schedule of payments of {$160.00} a month for 10 months. This was on XX/XX/2022. With a confirmation number of XXXX on acct. XXXX payment to XXXX XXXX. After I hung up I immediately called XXXX XXXX n found out that they had not sold my debt to anyone n no payment plan was set up. Embarrassed, I called my bank n cancelled my bank card n spoke to bookkeeping to file a fraud complaint on my account. I am set to do that on XX/XX/2022 @ XXXX. I've been embarrassed n called stupid by the people at this fake company n this should not happen to anyone ever. Please help me with this complaint so they don't get to any one else. They had my daughter 's phone numbers n XXXX only knows what else they have. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this credit card collections debt that was owed as a pay to delete, but my credit report is still showing the account is still derogatory instead of being removed from report which was discussed before paying that it would be when debt is satisfied. This account was passed to a third party collection agency. The account was paid through the third party and I no longer owe any debt to the collectors or original bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been attempting to contact my servicer about why there have been multiple changes to my escrow payments without notices being sent. I appreciate them making recalculations when necessary, but it would be good to at least get a heads up. I also wanted to let them know that I have updated my homeowners insurance and that while XXXX  will be sending them a bill for better and less expensive coverage beginning today ( XX/XX/XXXX ), that XXXX will be providing a credit for {$480.00} which I will forward to Roundpoint as soon as I receive it. Therefore, the overall premium will be going down from {$570.00} with XXXX to {$530.00} with XXXX ( with XXXX providing higher dwelling, loss of use, loss assessment coverage, etc. ) However, the " contact us '' portion of their website has been down so I am unable to communicate with them. The website also makes it relatively difficult to find out how to contact them another way. I have attached screenshots of the contact us page which just shows one dot followed by another row with two dots. I have tried going on this page through two different computers and a mobile phone and get the same error on all of them.

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 2023-06-09
Company: EQUIFAX, INC.
State: NY
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 submitted a complaint to the CFPB on XX/XX/XXXX about the incorrect information being reported on a XXXX XXXX account by Equifax and XXXX along with evidence that showed that claims of the account being verified as accurate were not true because both credit bureaus were reporting different payment history data for the same account. I received an email from the CFPB stating that Equifax has responded to the complaint and stated they needed more time to look into the matter. I updated my Equifax credit report today XX/XX/XXXX and once again in what seems to be deceptive practices, I see that Equifax has once again reported inaccurate information on this account. I have uploaded my XX/XX/2023, Equifax report along with the Equifax credit report I previously uploaded on XX/XX/2023, to show and have documented that Equifax is not acting in good faith, continues to misrepresent my credit file, and also to have my countless attempts to resolve this issue on record as supporting evidence, as my next course of action will be to sue Equifax for compensatory and punitive damages. I will also be sending a complaint to the NY Attorney General 's office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Per FACTA and the Furnisher Rule, furnishes have the strict responsibility to supply accurate data. They are also obligated to furnish information in a way that prevents re-aging and duplicate reporting, In my case, case number # XXXX, the furnisher did not supply accurate data to my credit report. Wells Fargo failed to see that the information reported to my credit report was actually an account being re-aged. They were student loans and were just sold to a new servicer for the seventh time. As a result of Wells Fargo 's haste, other creditors, I was in good standing with, followed suit. Wells Fargo 's incredible mistake destroyed my credit in an instant. 

So I ask Wells Fargo Bank/Wells Fargo Home Mortgage, who picked up both of my mortgages with different addresses, on the secondary market, to which I paid them both off with no lates why? Including my Wells Fargo Auto Loan with the same defaulted student loan debt I was approved with when I obtained my mortgages ... .again to which I paid off the auto loan that had no lates too, ... Why? Why decrease my credit card limit? When I have proven to Wells Fargo I am a good risk ... that I managed my credit well. To which I did waaaay before Wells Fargo abruptly destroyed my credit profile on false information. I can provide documentation that my other creditors reacted in the same manner as well as closed my account. They may have the same policy but, they didn't react until Wells Fargo took the first move. 

I understand that Wells Fargo Bank can decrease my credit line for any or no reason. But Wells Fargo told me the reason ; and the reason turned out to be false. Again as a result, my credit rating had diminished and other accounts closed. 

Please note that each furnisher is required to implement their written policies and procedures concerning the accuracy and integrity of the information that they furnish to reporting agencies. 
In fact! FACTA Requires furnishers to have such procedures and policies to avoid furnishing inaccurate information ; most importantly avoid furnishing information in a way that prevents re-aging. 

But that didnt happen in my caseor did it? See Wells Fargo wouldn't know because they relied on some other furnishers reporting to be accurate ; and without hesitation Wells Fargo reacted without any investigation on their part of the truth to the reporting. 

Everything I have talked about in this letter is true and factual. 

XXXX XXXX XXXX - Consumer Depositor for 16 years Credit Card ending in 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 2020-03-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I paid and closed an CC with XXXX. For 9 months the account appeared as paid and closed. never missed a payment. 
Suddenly the CC gets included in a portfolio of Debt sold to someone with a balance. 
I complain when the Debt Collector uploads an account with a wrong balance not registering the payoff, result of the dispute, the debt collector account remains when they never verified the debt according to FCRA, and XXXX loads the same account and registered missed payments that I have never had. The debt collector after not being able to verify the debt and never provided binding documents, answered on complaint XXXX to the CFPB that he was removing it. and Experian does not remove it and in addition has the XXXX account that was never late and closed on XX/XX/2019. 
How can an account could have been late after XXXX, if it was already closed? 
Experian has had the time to validate this and failed twice. I am complaining about this abuse, and violations to the Law, in addition to any potential legal avenues.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
They said my check was fake and then they closed my account and i never received my money

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 2021-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the XXXX unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : XXXX XXXX XXXX XXXX XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX XXXX XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX XXXX XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: NY
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. 

Account name : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: IL
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-07
Company: PNC Bank N.A.
State: NC
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:
It looks like my credit file was breach or identity theft or both during the time frame of. XX/XX/2018 to present

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have logged over 3-4 hours on the phone with SunTrust during the calendar year of 2021 trying to get them to properly process and reconcile the payments we have made on a mortgage we have with them. This experience has been nothing short of baffling and excruciatingly frustrating as we have ZERO confirmation that our explicit request are being handled, the details of which I will provide below : Beginning in XXXX on the XXXX a payment that was submitted as a 100 % principal-reducing payment was incorrectly applied by SunTrust. I called and requested a payment correction, to which I was told by the person on the phone in the servicing department that it would be done. After a few weeks it appeared online that a " correction '' was made but no amount was reflected next to that date. It also did not appear that the balance we saw online reflected the correction. 
In XXXX we had another payment that was submitted get incorrectly applied, and I had the identical conversation requesting the payment be adjusted to 100 % principal reduction on or around XX/XX/XXXX ( correcting an end-of-XXXX payment that was received ). 
Again in XXXX we had another payment get misapplied and at this stage I requested SunTrust not only make the correction but send me a detailed YTD payment reconciliation as neither the printed statements NOR the website properly reflected the payments being applied per our instructions. I was assured by the service person on the phone they had been properly applied and was told we would received a statement. 
Once again in XXXX I had to make yet another call to request a payment adjustment and once again I asked for the aforementioned statement since we never received it the first time. The person on the phone said it would be sent in the mail, however I explicitly asked for it to be sent via email since the last request never arrived. They said they would do so and I should expect the email in 7-10 days. It has been 2 weeks and we have not seen the requested statement. 

It should not take me this long, or be this hard to get a properly payment reconciliation of my loan. I need help ensuring that our explicit instructions are being acted upon and to-date I have no proof that they are.

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 2021-11-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
I am an XXXX at the XXXX XXXX XXXX XXXX. I sent in my police report and my notarized affidavit to the three credit bureaus I called last month and talked to XXXX from XXXX  Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after going to the XXXX XXXX XXXX office where i am employed and filing a police report in person. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided them On Friday XX/XX/XXXX exactly at XXXXXXXX XXXX I spoke to XXXX who said he was from the fraud department integrity team and stated that and he didnt have to follow the FCRA rules and regulations. I explained that i received a letter saying if i wanted to Blok the fraudulent information Under the Fair Credit Reporting Act Section 605B to keep sending in my police report. and then hung up on me. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy accusing me in the generated letter stating that my police report was not filed when it fact it is file with the police department. These fraudulent collections are not mine and need to be blocked from my credit report Under the Fair Credit Reporting Act Section 605B FAIR COLLECTIONS & OUT ACCT NUMBER XXXX AND 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