BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-04
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Two prepaid amex cards were purchased on XXXX. I have since tried to use them numerous places and they are consistently declined. When I'm able to reach customer service their solution was to try somewhere else. All attempted transactions were at merchants that accepted American Express and the transaction amount was well under the balance of the gift card. 

A few of the merchants attempted are XXXXXXXX XXXX XXXX and my hair salon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-04-02
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was absorbed by Mr. Cooper from Nationstar mortgage around XX/XX/XXXX. On XX/XX/XXXX, my mortgage was increased by {$190.00} to fund an escrow account that I did not authorize. While investigating this, I found out that Mr. Cooper had paid my property taxes in XX/XX/XXXX without my approval or consent, and without any escrow account to fund the payment. 5 months later, Mr. Cooper established an escrow account and deducted the cost of my property taxes, leaving me with a negative escrow value. I was not aware of this until XX/XX/XXXX after Mr. Cooper again attempted to pay my property taxes, this time from a negatively funded and unauthorized escrow account. Please note : I had already paid my property taxes as I was unaware Mr. Cooper was attempting this. While trying to resolve the issue, I was informed that I would need to provide proof that Mr. Cooper 's property tax payment was an overage and until that I would be liable for the amount in the escrow account. This is appalling.

UPDATE - on XX/XX/XXXX, I received a letter from Mr Cooper acknowledging " Our records indicate that the escrow account, for payment of the property taxes, was established in error. '' They will allow me to close the escrow account and will not charge me for the 2nd tax bill. I  am continuing with this complaint believe I believe what I experienced is blatant abuse if not consumer fraud, and because the company did nothing to proactively resolve or prevent the issue for the entirety of the 8 months that it existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX BANK # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name XXXX # XXXX, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-26
Company: Experian Information Solutions Inc.
State: NV
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 have reached out a number of times and advised that the BANKRUPTCY was not properly verified and they are not mines. I have attached a copy of the letter that was mailed to me from the Bankruptcy courts here is XXXX XXXX. 

XXXX have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2021-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I purchased a vehicle from a dealership in XXXX, NJ called XXXX XXXX XXXX XXXX. The bank that approved me for the loan was XXXX XXXX. As of today it is now well over 60 days since the date of purchase XX/XX/21. The dealership engaged in unfair and deceptive business practices, I still do not have plates for my vehicle. The bank XXXX XXXX has not only failed to obtain the vehicle title from the dealership, they have also engaged in unfair and deceptive business practices. 

XXXX XXXX has violated my consumer rights by violating the FCRA. 
They have reported a vehicle loan on my credit report insinuating that I am paying them for a car that THEY DO NOT LEGALLY OWN. The bank has already paid the dealership for the car. THE TITLE WAS NEVER GIVEN TO ME, I WAS NEVER LISTED AS THE OWNER/ FINANCER OF THE CAR NOR WAS CREDIT ACCEPTANCE LISTED AS THE LIEN HOLDERS. 


THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT, NOR SHOULD I BE MADE RESPONSIBLE FOR PAYMENTS UNTIL THE BANK HAS OBTAINED THE TITLE AND ARE LISTED AS THE LIEN HOLDERS.

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 2022-05-13
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this via the credit bureaus several times. I did not have an account with XXXX. Jefferson capital keeps updating the date on this account going into default to keep it valid from the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
In 2020 I disputed incorrect names and or address that appeared on my credit report with XXXX, XXXX and Equifax while I was in the process of a home purchase. After careful review of my personal information it appears that XXXX has neglected to update my information incorrect addresses Incorrect social security numbers I tried to dispute this with them again recently and they informed me that they could not remove it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. " TransUnion LLC Consumer D.C. '', is in violation of 15 USC 1692g.They were to notify me of this in writing 5 days prior. I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt.Therefore, the following accounts must be delete from my report immediately 1 ) XXXX- # XXXX 2 ) XXXX  XXXX XXXX XXXX XXXX 3 ) XXXX XXXX CARD SERVICE- # XXXX 4 ) XXXX XXXX- # XXXX 5 ) XXXX XXXX- # XXXX The reporting of these account ( s ) are violations of 15 USC 1681, and the Fair Credit Reporting Act { 15 USC 1681 ( a ) ( 2 ) ( B ) } : ( 2 ) EXCLUSIONS_Except as provided in paragraph ( 3 ), the " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issue of credit card or similar device.

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 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$0.00} XXXX XXXX {$1900.00} XXXX {$1100.00} XXXX {$28000.00}

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 2023-06-26
Company: Experian Information Solutions Inc.
State: VA
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 submitted an investigation with Experian and they didn't conduct the investigation and sent no results so after sixty ( XXXX ) days i submitted another since they had XXXX ( XXXX ) days to validate the debt this was what was sent through the CFPB " The most recent result summaries were sent to you for review on XX/XX/2023, and XX/XX/2023. '' I still have yet to receive these results at this point it has been XXXX days still no results

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 2023-07-14
Company: EQUIFAX, INC.
State: GA
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 17th 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 Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX Balance Owed : {$680.00} XXXX  XXXX Balance Owed : {$680.00} XXXX  XXXX Balance Owed : {$680.00} XXXX XX/XX/XXXX XXXX  BANK XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I took out a mortgage with Wells Fargo on XX/XX/XXXX under loan # XXXX. Things went well until i experienced some financial hardship sometime in XXXX whereby I defaulted on my Mortgage and Since I was employed at the time I contacted Wells Fargo to request modification services to enable me put back my loan on track and make my loan status current. Rather than receive cooperation and assistance as a consumer from the Wells Fargo mediation team I did not receive any call backs or any acknowledgement of the hardship filing documents I was asked to complete on every occasion. Each time I called to follow up on the hardship form with supporting documentation as requested either by a provided fax number or regular postal mail I was always told to send a new hardship form each time as the previous one sent was never received .For over 2 years I had to send the same documents over and over again to the mediation team with no one calling back to acknowledge receipt of same.. As a result of the lackadaisical attitude by Wells Fargo and their failure to provide adequate and timely disclosure information to help facilitate the Modification process I was at the point of losing my house to the foreclosure process until the Judge during one of the hearings referred the parties to a mediation conference sometime in XX/XX/XXXX which helped facilitate a modification agreement. 
The modification agreement was eventually forwarded to me electronically at the direction of the court for execution but however the terms and content of the agreement was never discussed or reviewed with me. I was only advised to sign and return the documents. A few years after the agreement was signed I received another letter that my loan will no longer be serviced by Wells Fargo as it has been involuntarily transferred to a servicing company XXXX XXXX with the details and terms of the new agreement with no explanation. 
At a later date I realized that the modification agreement I signed actually extended the maturity date of my loan for another 20 years from XXXX to XXXX. 
Finally, the following financial expenses were added to the loan thus increasing the principal sum of the loan drastically.. 
The sum of XXXX interest was capitalized The sum of {$12000.00} escrow advance was capitalized The sum of {$2.00} listed as recoverable expenses added The sum of {$680.00} listed as recording tax paid. 
I have reached out to the Wells Fargo mediation team and notified them of my claim and have been informed that the request will be reviewed and a response obtained by 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 2023-10-13
Company: EQUIFAX, 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681N - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was told by my bank lender that I was not approved for a personal loan I had applied for because of many derogatory items on my credit report. I then decided I would pull my credit to myself to take a look at what he was talking about and I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. These accounts do not belong to me. My social security number has been used from someone else. 

XXXX XXXX {$920.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX  XXX {$730.00} XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I sent mulipty dispute letters and this company is not following your rules. I want a full investigation on the following : XXXX XXXX XXXX {$850.00} and XXXX {$0.00} I am concerned about the validity and accuracy of their recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!

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 2023-02-09
Company: Experian Information Solutions 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 have attached a copy of the latest report from EXPERIAN. I have previously submitted a police report # stating I was a victim of identity theft. Someone claimed my on their taxes in 2014. I have fraud alerts on my credit files I thought. This report shows SEVERAL addresses I have never lived at around the same time frames but all different locations. How is this ever possible. If EXPERIAN was truly verifying information they would see there are multiple address around the same time and some in different states, this is a red flag. The items Highlighted in YELLOW are the address I have never lived at. These are all VIOLATIONS and shows EXPERIANS consistent willful noncompliance with inaccurately and incompletely reporting fraudulent information that does not belong 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 non-monetary relief
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: AR
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 sending today my CFPB Complaint in contempt of my credit report I found out that there are some late accounts. I guess I have always made my payments on time. For some reason, I realized that there were late payment on my credit report and I do not believe I was late on the dates they are reporting. These accounts should not be showing the current status of late since it's already been paid for. It seems impossible to appear late on an accounts that has already been paid. These accounts should be corrected as soon as possible : 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 response to consumer: Closed with non-monetary relief