BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 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 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 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 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 2023-03-01
Company: EQUIFAX, INC.
State: TN
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 sent a letter on XX/XX/2022 to XXXX. Here is the tracking number XXXX. However the credit bureau said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Experian Information Solutions Inc.
State: RI
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:
XXXX has lied to the CFPB and Experian  credit rating agencies about the status of my account. XXXX states that my account was late. On two occasions XXXX incorrectly handled my homeowner 's insurance policy resulting in errors in calculating my escrow account which resulted in changes to my mortgage payment amounts. Given that I automatically pay my mortgage through my checking account XXXX 's mortgage payments are paid in time. 

However, XXXX has created a statement that was never sent to me that states they notified me of the error in their account. On the first occasion in 2018 Nationstar paid from escrow a duplicate payment for one home hazard policy. This occurred again in XXXX after repeated calls and notifications from me that I had paid the insurance policy in full directly with the insurance company. 

CFPB nor Experian  have adequately investigated the fraud and lies at XXXX. I am enclosing additional documentation from my account that shows the duplicate payments and if CFPB would like to see the malfeasance at Nationstar I would suggest a more comprehensive investigation into how XXXX is using inaccurate escrow calculations and false statements to steal money from homeowners and lock homeowners into high fee mortgages through fake credit reporting in collaboration with Experian and potentially other credit rating agencies for a fee. 

This is abhorrent in intolerable and should not be allowed by CFPB to continue. Now that we are in a pandemic crisis a financial disaster will be exploited by firms like XXXX and Experian. Experian and XXXX will contribute to the longest financial failure in this country as the true business practices are uncovered in this pandemic crisis and CFPB has a role to play to address and uncover the fraudulent business practices of these two firms.

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 2023-08-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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 DO NOT RECALL OR RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS ON MY CREDIT REPORT HARD INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX {$410.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$310.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My Loan servicer will not accept HAF funds after my mortgage modification

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 2023-08-23
Company: EQUIFAX, INC.
State: NC
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a no fee checking. Money was suppose to just transfer from savings with no charges. I will still charged fees for the transfer plus fees for the negative balance.

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 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
all three bureaus have incorrect posting of inquiries and they should be updated and removed to be current count.

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 2023-12-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 my card was lost/stolen and 4 transactions totaling XXXX were made on my card- I requested a new card when I realized on Monday and saw transactions that were not made by me were PENDING. Once they posted, I disputed the transactions online under the only option that they have that indicates they were not made by me which is " do not remember this transaction ''. I filed a dispute and was given provisional credit but shortly after was notified that " No fraudulent activity was found '' I called multiple times to question the reasoning and to see what I needed to submit to prove it was not me. They said they could not tell me becuase I would be able to use the information if I wanted to claim transactions as as fraud. This infuriated me as they were implying I would fraudulently create a claim. This is already the second time this has happened to me. They took their provisional credit back and refuse to approve my claim for reasons unknown to me and undisclosed to me.

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 2023-04-21
Company: LEXISNEXIS
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:
I'm making this complaint to LEXISNEXIS. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Discover account of 11 years was closed for inactivity without my knowledge or warning after sending me an updated card with a new expiration date on it. I called to explain my account has been long term and in good standing and was used less than a year ago. I spoke with XXXX in XXXX, XXXX in XXXX, XXXX, and XXXX and XXXX in XXXX. They all provided me with different reasons for which my account has been closed and none of them offered a solution to playing a part in wrongly negatively affecting my credit score by closing a long standing account with such a prominent availability, not even an apology or empathy for my situation. I wonder if this is legal for them to do to their customers and how closing an account without consumers knowledge serves as a promoted policy. I truly hope this company does not use discrimination to make these decisions. I am disgusted with Discover 'S actions as well as customer service or lack there of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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:
XXXX XXXX is reporting an inaccurate charged off account on my credit reports that I have been disputing for a while now. 

This account is reporting inaccuracies on my reports with each credit bureau with different open dates, payment date and active dates. How are the bureaus able to verify inaccurate and inconsistent information? I am sure this is against the law per the FCRA. It is their job as the consumer reporting agencies to conduct proper investigations and report 100 % accurate information. I know for a fact that if they are verifying inconsistent information that this account surely can not be verified as accurate. 

I am requesting that this account is deleted from my reports and an updated copy of my reports is mailed to my address!

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 2023-02-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had two account secure and unsecured never missed a payment for both, credit score was excellent, paid all my bills on time, I received a decrease on my score, because citi reported I missed two payments three years back which was false so I contacted citi, a rep said they will send me a letter showing that i didn't missed no payments, I waited entire month, so i called again, rep said its been mail give it time i knew it was a lie, so i contacted CFBP, after they were contacted by CFBP the following week my unsecured card was decreased, this was their retaliation because I contacted CFBP, but it didn't end there, they closed my account and I called I was told by a rep that they mailed out a letter, I got the letter three weeks later stating my account closed without any reason, so I called citi card and this time I spoke with management who then told me they don't have to provide a reason, so, I contacted CFBP again and CFBP contacted citi again and a week after CFBP contacted citi and me still paying my monthly payment on my secure card, that account was closed and an email on the citi app and letter stating my accounts are officially closed and I need to unlink my accounts from their app

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 2023-03-08
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:
I am writing to dispute the accuracy of my credit report and request that you delete all inaccuracies as required by the Fair Credit Reporting Act ( FCRA ). The following accounts, Account name : 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 XXXXXXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Under 15 U.S.C 1681 section 602 A, I have the right to privacy. Additionally, under 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. The credit bureaus are obligated to follow these laws and any violations will result in an inaccurate credit report.

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. As such, any adverse information related to the accounts listed above should be removed from my credit report.

Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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. As such, I request that the credit bureaus investigate the accuracy of these accounts and delete any inaccurate information.

I would appreciate it if you could notify me in writing of any actions taken as a result of my request. Thank you for your attention to this matter.

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 2021-08-09
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

The following personal information is incorrect : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX TX XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX TX XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX TX XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX TX XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am writing to formally dispute the accuracy of the charge-off entries on my credit reports associated with my XXXX XXXX XXXX XXXX accounts , specifically Account Number XXXX and Account Number XXXX. I request that you investigate these entries in accordance with the Fair Credit Reporting Act ( FCRA ) to ensure their accuracy and compliance with federal law. 

The FCRA, a federal statute that governs the reporting of credit information by consumer reporting agencies and furnishers of information, outlines several key provisions that are relevant to this dispute : 1. **Accuracy of Information ( Section 623 ( a ) ( 1 ) ( A ) ) ** : The FCRA requires furnishers of information, such as XXXX XXXX XXXX XXXX XXXX to provide accurate and complete information to credit reporting agencies. I believe that the charge-off entries on my credit reports may contain inaccuracies.

2. **Duty to Correct and Update Information ( Section 623 ( a ) ( 2 ) ) ** : The FCRA also imposes a duty on furnishers to correct and update inaccurate information promptly. If the charge-off entries are found to be inaccurate, I request that you correct these entries with all credit reporting agencies that have received this information.

3. **Investigation of Disputes ( Section 611 ( a ) ( 1 ) ( A ) ) ** : Upon receiving notice of a dispute from a consumer, the FCRA requires furnishers to conduct a reasonable investigation into the disputed information. I am formally disputing the charge-off entries on my accounts, and I request that you investigate the accuracy of these entries.

4. **Time Limits for Investigations ( Section 611 ( a ) ( 1 ) ( A ) ) ** : The FCRA further stipulates that furnishers must complete their investigations within 30 days of receiving notice of a dispute. I kindly request that you adhere to this time frame when conducting your investigation. 

I expect XXXX XXXX XXXX XXXX to undertake a thorough and diligent investigation into the charge-off entries on Account Number XXXX and Account Number XXXX. Please provide a detailed written response to me within the time frame required by the FCRA, summarizing the results of your investigation and any actions taken to correct any inaccuracies. 

If you are unable to verify the accuracy of these charge-off entries, I request that they be removed from my credit reports as required by the FCRA. 

I look forward to your prompt attention to this matter and the resolution of this dispute within the stipulated time frame. Please be advised that if these matters are not resolved in accordance with the FCRA, I may pursue legal remedies available under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has been attempting to contact me for a debt owed on my XXXX XXXX credit card for the past few weeks. However, they have been calling up to 7 times a day from an Unknown number, and have never left a message to identify themselves. On some days, they have called so many times in a row in such a short time, my phone has been allowing it to break through my Do Not Disturb mode as an emergency call. I work unusual hours, so they've been interrupting my sleep on several occasions. 

I only know it is them, because I have picked up the 'Unknown ' call on two occasions. Once, I hung up because nobody came on the line. The other time, I said that I would call back at a better time. Due to their frequent calls, I decided instead to collect logs and report them for their violations. 

Dates/times, per my phone logs : XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX - Spoke to someone at this time, said I would call them back. 
XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX Also, a note : Even after speaking to someone at XXXX on XX/XX/XXXX and telling them I would call back, they proceeded to call 4 more times that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation