BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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 rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XX/XX/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 2019-12-18
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
my name is XXXX XXXX and I am currently a mortgagor and my loan is being serviced by shell point mortgage AKA New Rez my loan number is XXXX This brief letter is to explain the horrible customer service and lack of service I receive when calling this company about anything! I recently underwent XXXX  XXXX on XX/XX/19 and was out of work for four months I called them to see if there was any way a payment could be deferred to help me out until I went back to work well guess what they said no so I went back to the drawing board getting a bit of assistance from charitable organizations to help me make a payment back in XXXX they lost they payment that was sent to them by city of XXXX on my behalf took a month for them to find it and that was after a complaint online to their corporate and several phone calls these people are horrible servicers who take their jobs for granted and do not go above and beyond in fact they do the very minimum well fast forward I've been back at work two weeks today XX/XX/19 and last month which was XXXX I asked for a repayment plan on {$300.00} of {$1100.00} because I didn't have the entire payment well these people don't offer you any options they don't care if you're being proactive it's like they want you to lose your home during the phone call he explained that it was the XXXX of the month and they need at least 7-10 business days to process the repayment plan so my credit may still  be impacted so I declined and borrowed the money for the month of XXXX so I called them today XX/XX/XXXX to see if I could not do a repayment plan well not only was the girl not informative she was rude and basically stated that it takes 10 days to get paper work and another ten to process the repayment plan what in the heck is going on with this company each time I try to be proactive it's like I get shot down almost as if they do their best to work against you I've called several times about the PMI on my loan and basically get told because I have an FHA it cant be removed and they don't give any information to support that because I know a couple people who have an FHA loan and have had their PMI removed what kind of company is this where they don't explain things they lose your payments talk to you rude cold transfer you to voicemails without telling you and the managers don't hold them accountable their just as bad how did I get involved with the mortgage company from XXXX their mortgage practices need to be investigated this is not fair that hard working people have to call in and be subject to this foolishness when all we want is respect and answers about my PMI answers as to why they are not rules and turn around times connected to repayment plans and things that matter do they just make this stuff up as they go along is that really what is going on please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Prosper Marketplace, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I am preapproved through prosper and for whatever reason they discontinued my account and they told me I could never apply for a loan with no explanation why.

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, 2021, I the consumer sent out a letter via USPS XXXX mail with tracking to TRANSUNION LLC, the letter was titled AFFIDAVIT OF TRUTH, NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM. TRANSUNION LLC was in receipt of the letter per certified mail tracking on XX/XX/XXXX, XXXX. I, consumer, was in receipt of a response sent from TRANSUNION LLC on XX/XX/2021. The letter that consumer XXXX XXXX XXXX has was a letter stating that TRANSUNION LLC investigated the information I disputed and updated the report. There were two accounts that consumer requested within the AFFIDAVIT OF TRUTH demanding that TRANSUNION LLC Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), TRANSUNION LLC is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract for any and all accounts TRANSUNION LLC posts on a consumer 's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent consumer account information to verify. I demanded to see Verifiable Proof of the original instrument of indebtedness ( an original Consumer Contract with my WET INK Signature on contract ) that XXXX has on file of the account ( s ) listed below and this request is not asking for a PHOTOCOPY OF A STATEMENT OF ALLEGED ACCOUNT ( S ) or a PHOTOCOPY of the alleged debt contract but the ORIGINAL with XXXX XXXX XXXX wet ink signature. I was not asking for TRANSUNION LLC to verify the account by simply sending me an updated report with the same information that has been reporting on consumer 's report. TRANSUNION LLCs failure to positively verify these accounts correctly under the FCRA, unverified accounts must be removed/deleted and if TRANSUNION LLC is unable to provide me a copy of verifiable proof, TRANSUNION LLC must remove/delete the accounts XXXX XXXX and 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 2018-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I contacted all three credit bureaus via certified letter requesting that the investigate this XXXX XXXX account that has been closed and to delete it from my credit report due to them violating the FCRA laws which state that they must report accurate information and to respond to the consumer within a timely manner which they have not. This has cause my credit score to decrease and me to be denied credit for a home.

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 2023-01-27
Company: WELLS FARGO & COMPANY
State: NC
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:
I was charged overdraft fees, although I deposited money to cover the fees before the pending charges were processed.

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 2023-06-28
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: Account information incorrect

Complaint:
After multiple attempts of me asking Experian to investigate this account for inaccuracies and violations they're still reporting this account as accurate and no violations reporting. As of today I still see different information reporting throughout all 3 credit reporting agencies. This is a violation pursuant 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report, in which Experian must provide the same information as the XXXX and XXXX. How can all XXXX credit reporting agencies report different information on the same account? I'm aware that I have the right to opt out from this information being reported to any non-affiliated third party in which I was never giving that option nor was I ever explained how I could do so. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, ( b ) Opt out, I would like to opt out from this information being reported to Experian. Because this account is under multiple violations and report multiple inaccuracies, I ask that you remove this account from my consumer report pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( 5 ) Treatment of inaccurate or unverifiable information.

Violations reporting : 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report 15 U.S. Code 1681 - Congressional findings and statement of purpose, Section ( b ) Reasonable Procedures 15 U.S. Code 1666 - Correction of billing errors, Section ( b ) Billing Error 15 U.S. Code 1681a - Definitions ; rules of construction, ( 2 ) Exclusions

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 2023-01-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value you setting aside some margin to remove a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 XXXX XXXX XXXX XXXX ( XXXX XXXX ( Original Creditor : 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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

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 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 2022-10-21
Company: EQUIFAX, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I had a checking account with overdraft protection ( which was really a XXXX ) with TCF Bank which was bought by Huntington Bank. I closed all my accounts in XXXX, in branch ( XXXX Huntington Branch ). The teller said all accounts were closed but that they didn't give paperwork for closing an account. 

In XXXX I got a bill from Huntington for {$1.00} from this XXXX which I'm guessing is random interest charges or something but more importantly the account was still open. I went into the branch ( XXXX XXXX, XXXX ), paid the bill and told them to close the account and give me some paperwork. The teller said the account was close but that I'd have to speak with a Banker to get any confirmation paperwork. 

I waited to speak to a banker and he said the account was not closed and that I actually had to send an email to Huntington Bank requesting the account be closed and that the email must include my signature. 

This is crazy... I can't close an account after I'd been told it's closed twice. I literally can't go to their location and close an account? I know many people that would struggle to get a signature into an email. This is really, REALLY not cool. They are literally making me jump through all these hoops so I'll just give up and they can keep their number of accounts higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: FL
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 Bankruptcy, Reference # XXXX, XXXX XXXX # XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights 15 U.S.C. 1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 602 A section 2 : It also states a Consumer reporting agency can not furnish a account without my written Instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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 ACT XXXX XXXX XXXX XXXX ACCT # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: UT
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:
Experian has my " profile '' name correct. Experian is charging my credit card automatically on a monthly basis and has been for all the years I have been a member. The credit card states my correct name. However, my credit report is and has been under my MAIDEN name for all of the years I have been a member despite all the disputes I have filed over the years. I have been married for XXXX  years and they will not change the inaccurate " reporting '' using my maiden name. In addition and of the utmost importance they have my birth date incorrect. I submitted my birth certificate via an online dispute clearly indicating my CORRECT BIRTH DATE! They still have not resolved this issue on my credit report and when I check the status they state they updated my credit report with my correct birth date. THEY HAVE NOT! When I try to submit another dispute to include both my birth certificate again and my marriage certificate which states my correct date of birth AND my married name it states " We are having technical difficulties. '' I have been disputing incorrect information on my Experian report for which I pay for every single month for years and finally gave up as they have not recognized any dispute due to " an internal policy '' of which they will not disclose. I am now filing a complaint.

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 2023-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have never dealt with such a disorganized and willfully ignorant organization. I previously put in COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 I have just got off the phone with XXXX XXXX who XXXX the same information but referred to an alert for my other credit card. I told her I had not attempted to use the card I was calling about. She admitted the mistake. Then she said I never called to alert them. I have all the call records of the dates I called and the Bank of America verification codes sent to my phone, that document IN FACT I called immediately after receiving the letter on XX/XX/XXXX at XXXXXXXX XXXX. She stated she would go over the recorded calls. This should have been done from the very beginning. I have no reason to pursue this other than being reciprocated for the time and effort I put in to rectify a problem they started. 

She said the alert was put on my card because I changed my address a few days after. IF they would have checked I have had an established address at the previous address plus the one I changed it to. NO ONE ever informed me why my account was put on alert in the first place. My bank account address is the same as the one I changed the shipping address to. This is incompetence on the highest levels and one that has wasted a lot of time and energy on my part. I am furious!

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 2023-10-30
Company: WELLS FARGO & COMPANY
State: CA
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: Was not notified of investigation status or results

Complaint:
Between XXXX and XXXX my car loan payments weren't being autopayed from my other bank account. I have a car loan through Wells Fargo that should have been set to autopay. It was set to autpay ever since 2021 and not sure why I was notified so late thereafter the fact my account was late. It has docked me over XXXX points. I'm asking in good faith for a good will adjustment from Wells Fargo but I have yet to hear anything back.

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 2023-11-14
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was in a XXXX  partnership with someone at the time of the acquired debt and they received a brand new electronic device in the form of a laptop and I was wondering where she got the money for it. Now Im receiving the debt of the laptop so she went behind my back and stole my personal information too acquire the laptop in the form of an internet loan.

Company response to consumer: Closed with explanation