BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
State: PA
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 would like to dispute these inquires with XXXX XXXX. Both times I went to see if I prequalify around XXXXXXXX XXXX and of XXXX of this year. I never actually went through the process of applying for the loan. These inquiries should be removed. I sent them XXXX letters in the past 30 days and I have not received a response. 

On another note, On another note XXXX XXXX XXXX show I owe nothing in student loans, but Experian shows I do. It mentions in the Fair Credit Reporting Act that the agency must investigate unless your dispute is frivolous. 

It doesnt mention I have a XXXX balance on my XXXX account. It shows up on Experian from my current knowledge of the situation. I didnt see it on XXXX XXXX That also makes we wonder how I received letters from different third party companies in the past 2 years that I owe money to them in regards to XXXX. This baffles my mind on how these credit bureaus are spewing inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: Bread Financial Holdings, Inc.
State: CA
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 a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I told them on multiple occasions please DO NOT CONFUSE my issues on my accounts! I specifically said I do not have an issue disputing a charge on account ending in XXXX. Bank of America banks on confusion and smoke screens and mirrors hoping you will give up in the ridiculous confusion. Not me. They ignored what I said and disputed a charge which was legitimate. I told them specifically the problem I am having with them is that they said specifically a 1.5 % cash back on every purchase which is not happening. I currently have a balance of almost {$1000.00} on my credit card ending in XXXX and yet they have not given that over the course of the duration of the purchases! More fraud from the bank! No matter how many times I call I can't get them to explain or resolve the issue! They disputed a charge from XXXX which I did not authorize. They are systematically trying to make these issues so confusing as to hope their customers give up.

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 2018-08-09
Company: EQUIFAX, INC.
State: SC
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 found some fraudulent accounts on my credit report and I sent necessary paperwork to Equifax to have them removed and Equifax has not done anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: Home Point Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I already have a pending complaint against Homepoint ; however, their response, though insufficient and unsatisfying, stated I have to obtain an appraisal through a Homepoint approved appraiser. For THREE WEEKS, I've called and emailed requesting information on who is on their list so that we can obtain the appraisal to eradicate the PMI. No one is responding. How are we supposed to get this done when Homepoint will not answer questions? It's almost as if they don't WANT to help us. We've spent at least $ 75K on remodeling since the home closed and we know it will appraise for enough to remove the PMI. I have copies of multiple emails and a diary of multiple people with whom I've spoken to no avail. I can not get an answer. Please HELP US.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions 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:
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 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX XXXX XXXX XXXX  creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately.

This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all XXXX bureaus including, 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 2023-03-05
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-11-22
Company: CORELOGIC INC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the FCRA I'm entitled to a description of the nature and the purpose of these inquiries. Please provide me with the necessary information regarding inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA.

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 2023-06-27
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 submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-01
Company: EQUIFAX, 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 XXXX XXXX has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian has verbally refused to acknowledge my overall outstanding credit card/unsecured debt is less than {$56000.00}. Ive informed them based on their consumer profile update. ( XXXX ). My free annual credit report from 3 major credit reporting bureaus reflect less than {$56000.00} total unsecured debt credit card and line of credit debt. 

Experian has my account status reflecting more than {$60000.00} in debt, raising my credit utilization to 100 % thus creating a down grade by 2 significant avenues, revolving debt carried is considered higher than necessary and credit card accounts inaccurately showing XXXX credit available for me to utilize based on continued use of 100 % credit utilization identifier. 

Additionally, Experian claims that a retail credit card provider, XXXX XXXX has reported acknowledgment of a late pay I was responsible for in XX/XX/XXXX. I spoke to XXXX XXXX and I was not given confirmation that such a comment was forwarded inclusive of my 30 day credit lender submittals. Even though this information is not considered a derogatory or major reporting on my profile, any negative information can impact my score up to double digit reduction in credit rating worthiness. 

Experian is using tactics that are vague and poorly supported when theyre challenged on the position held against me. 

Are used to carry a credit score in the 690 range and possibly close to 700 during the first quarter and parts of the second quarter of XXXX. No I did have hard inquiries on a home loan refinance which amounted in five application submissions during the month of XXXX and other than that I paid off my student loan. Experian drop my credit profile by well over 30 points with no other negative credit impact eligible for consideration. At least no negative reporting that was of major incident to the best of my knowledge. 

I feel as though Im being influenced to consider their boost program and potentially other credit monitoring programs that serve their interests before mine. Im not going to spend extra money or join credit monitoring that is historically unnecessary. 

Im asking for the CFPB to assess my grievance and encourage Experian to adjust my credit rating based on my years of experience, timely payment of my debt obligations, real debt associated to my profile, etc. 

Thank You, 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 2022-07-07
Company: Block, Inc.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
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:
Square.com as a payment processor holding my funds. They requested several documents, even connected to my bank account and after that they send an email that indicates my account is okay and I can accept payments. After 4 days, my sales come to total of {$1300.00} and they deactivated my account. Now they are holding funds for 120 days and there is no way to reach a person to talk about the issue. 

On the other hand, as you can follow from their discussion boards, they are offering loans to customers with high interest. Now, on one side they are holding funds of customers without any explanation, on the other side they are selling this amount to small businesses. 

Please check XXXX search to see how people are without any solution XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction in the letter I sent. Transunion, XXXX, and XXXX violated my rights as a consumer, I also included a screenshot of the law

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I refuse to accept your stance in rejecting my identity theft claim. WHO ON EARTH DO YOU THINK YOU ARE TO PASS JUDGMENT ON WHETHER I'VE BEEN A VICTIM OR NOT? YOUR SUPPOSED AUTHORITY AND LEGAL STANDING TO MAKE SUCH A DECISION ARE UTTERLY BASELESS. IF YOU PERSIST IN THIS WRONGFUL DENIAL, REST ASSURED THAT I WILL PROMPTLY ENGAGE MY ATTORNEY TO INITIATE LEGAL ACTION. I insist that you adhere to the strict legal processes governing identity theft claims. To emphasize the seriousness of my case, I AM FURNISHING YOU WITH AN OFFICIAL LAW ENFORCEMENT AGENCY REPORT, DULY FILED WITH A FEDERAL AGENCY. Let us expedite the resolution of this matter within the mandated XXXX timeframe. Regrettably, it seems that my efforts to rectify this situation have fallen on deaf ears. Despite the overwhelming evidence I have provided, it appears that your bureau has not recognized the gravity of my identity theft case. This lack of recognition has left me feeling neglected, frustrated, and helpless. XXXX XXXX and XXXX XXXX XXXX XXXX. Please Remove these items ASAP.

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 2023-06-27
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$760.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022

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 2020-12-21
Company: EQUIFAX, INC.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bill payment date set for XXXX starting XX/XX/2021. Wells Fargo sent two payments on wrong date of XX/XX/XXXX. Lengthy calls on that date only to be told Im sorry nothing can be done, its electronic. Being on XXXX I borrowed money to bring current for this mistake. XX/XX/XXXX Wells Fargo sent the same two payments again. I have received the same apologies and a long list of what they can not do to fix it. I dont have the ability to borrow again and has caused a severe hardship. Now they are charging NSF fees for this mistake. They refuse to escalate the call and the branch refuses to investigate. They wont close the account because of the negative amount caused by Wells Fargo. These payments would actually be payments that should have been processed XX/XX/2021 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 monetary relief
Consumer complaint received 2023-10-31
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX CALLED ME ON XXXX TO MY PHONE NUMBER XXXX. WHEN I ANSWERED THE CALL AN ADAD CAME ONLINE AND STARTED GIVING ME THEIR MESSAGE AND THEN A LIVE PERSON CAME ONLINE. I TOLD THE CALLER THEY CALLED THE WRONG PARTY. I ASKED ABOUT THE ADAD/ATDS THAT CALLED ME, THAT IS THE COMPUTERIZED VOICE, THE CALLER CONFIRMED IT WAS A COMPUTERIZED VOICE THAT MAKES THE CALLS. WHEN I TOLD HIM I WAS ON THE XXXX XXXX AND THE TEXAS NO CALL LIST. HE SHUT ME DOWN WHEN HE TOLD ME HE COULD NOT GIVE ME ANY OTHER INFORMATION. I DEMAND TO BE PAID {$500.00} FOR EACH VIOLATION OF TBCC SECTION 301 AND 305 AND FOR THE VIOLATIONS OF THE DEBT COLLECTION LAWS. THEIR CALL TO ME WAS AN ATTEMPT TO COLLECT A DEBT. I DISPUTE THIS DEBT AND WANT RESULTS OF THEIR INVESTIGATION SENT TO ME. DO NOT CALL ME ANYMORE.

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 2020-04-01
Company: Innovis
State: OH
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:
They are reporting false information about me XXXX XXXX. I have accounts that was used by someone and I didnt know who did it and I being held accountable for the account that i didnt use. My social security number is XXXX. Date of birth XX/XX/XXXX. My identity was stolen.

Company response to consumer: Closed with explanation