BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: In progress
Consumer complaint received 2017-11-26
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously filed complaints with the Better Business Bureau that the company failed to respond to this year. 

I previously filed a complaint with the Consumer Financial Protection Bureau in XX/XX/XXXX of this year in which the company alleges that they validated the debt via mail without providing any proof. More than likely if they sent any vailidation as they alledge it was sent to an incorrect address. 

The company has since changed the date of last activity and date reported to this listing as XX/XX/XXXX which is a violation of the FCRA. Per their own statement in my last complaint they first reported this in XX/XX/XXXX but this is not what is currently reflected on their listing on my XXXX Credit Report. 

I am XXXX and I feel this company is trying to take advantage.

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 2019-10-23
Company: Experian Information Solutions Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested a dispute on the collection debts on my account.These are not my debts.I have no knowledge of these accounts.They belong to some other individual but are not mine.The disputes were completed under falsification.

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: TransferWise Ltd
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I signed up for a business account with WISE formerly TransferWise. My business name is XXXX XXXX For no reason that they explained the account was immediately closed and the money in the account was not refunded to me. 

I have called the customer service multiple times. I was told that this is a separate department and I can submit information to their email. 

I have not received any response. I looked through their website and they promise 3 months to send any money in the account back. 

I did a dispute with my bank and was told to contact them which I have done multiple times. 

This is not being resolved. They have taken my money. I want it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 # XXXX, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A States Section 2 : It also states a consumer reporting agency can not furnish without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 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 2023-05-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have disputed the inaccurate information multiple times. I have also reached out telephonically as well as by letter requesting statements being mailed out to me to verify all transactions and validity. not one vendor or creditor sent out any statements via my request and this was verified by the postmaster of my local post office where I get mail. the postmaster also vouchers that no mail has been returned.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: GA
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 2023-03-21
Company: Experian Information Solutions Inc.
State: VA
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 compared my credit report across all reporting agencies, not something I have ever done in all my life. I am glad I did. I find out almost 99 % of the records I have listed across the agencies conflicts in dates. Many dates. I noticed balances and statuses are mismatching. I noticed payment dates are not not identical across all the agencies. To make it worst my name, address and workplace are incorrect. Its amazing taken into consideration the effects on the livelihood of person credit reporting has. 

I have taken the liberty to attach a recent credit report comparing all 3 agencies. All discrepancies have been highlighted for you to easily see. Fair warning you will notice an amazing glow of yellow. See for yourself. 

I have reached out to all the agencies multiple times to dispute and validate items, they return unchanged. This is too huge for me to handle on my own. Something to this extend is not something I know how to do or attack. So many discrepancies it is not fair to me. I am very effected and it is conflicting information. I was recommended to reach out and explain my case. I know it is intensive but I hope you can help.

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: U.S. BANCORP
State: AZ
Product: Credit card or 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:
When I try to swipe the cards at a card swipe machine, it doesn't read. I don't get a beep. Nothing happens. The merchant appeared to try to save a fraction of a XXXX on plastic and made the cards too thin to be read by the swipe machine. I've tried using the cards at multiple machines without success. The cards need to be replaced.

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 2023-03-21
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XX/XX/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 explanation
Consumer complaint received 2023-06-26
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my third email correspondence and formal complaint filed against XXXX bank regarding my XXXX XXXX  Application since this process began XXXX years ago. 
I am contacting the Consumer Financial Protection Bureau to make them aware of this urgent concern. 
My application is complete on the Portal and as well as via a certified paper application with proof of delivery and receipt by the XXXX XXXX Department. The final requested XXXX bank statements were submitted on XX/XX/XXXX and XX/XX/XXXX but closed on XX/XX/XXXX. The documents were uploaded but not received but still labeled as incomplete. The packet is complete but the documents were not pulled by XXXX XXXX staff which is not fair that the documents requested have been submitted in a timely fashion but have inconsistently not been acknowledged or reviewed. We have requested this issue be escalated via phone call and email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have received inconsistencies by the representatives as the status of the review. Please review these resubmitted documents that were entered not only on the portal but also by the completed paper application which was sent via XXXX with proof of signature delivery. The original completed packet has been mailed. The proof of the mailed completed packet is listed below along with the proof of signature and XXXX tracking number. Thank you in advance for your attention to this urgent matter. I have made all full mortgage payments since this process began in XXXX. 
Signed for by : XXXX XXXX, Obtain proof of delivery DELIVERY STATUS Delivered TRACKING ID XXXX. 

Sincerely, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Frontline Asset Strategies, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I explained to them that I dont get paid for XXXX more weeks and wouldnt be able to pay anything until then and the guy got mad at me, used a condescending tone and so I told him I would pay it when I can that I didnt appreciate his demeanor and not to call me again, this was on Friday XXXX/XXXX/223, theyve since called me 7 times between Saturday XX/XX/2023 at XXXX to now XX/XX/2023 XXXX so theyve called me 8 times in a 4 day span. Oh also it shows up as No Caller Id

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Freedom Mortgage Company
State: WY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi, I'm making consumer finaince complaint today about my current mortgage lender ( freedom mortgage ). I've had this loan since XXXX of XXXX. I received a phone call from a loan officer in early XXXX of XXXX. The Loan officer informed me that under Bidens administration there's a plan to cover all refinance fees under FHA loans to help Americans with their home loans and to lower interests rates. However, this was all just a sales pitch and was super deceptive. We went to close numerous times since that phone call 7 months ago and between the lies, false promises, underwriting, and closing. Nothing has added up. Several times we was informed we had to close on the day of scheduled closing date that we didn't know was scheduled. We also never received documents before hand to know what the new loan would look like several times and the numbers was never as promised when we did look at the paperwork. After we realized that wed be refinancing the house wit would roughly end up paying XXXX in closing costs, plus cash to close, plus first payment within thirty days. That we would be refinancing our house for the same overall price as what we purchased the house for 2 years ago. That also never seemed to add up giving the fact that our amortization schedule was computing it's generated numbers in itself and didn't match up. I've also paid extra payments and more towards principal each month to support that fact. I have been given the run around so much that I'm absolutely sick of trying to deal with this company altogether. I feel like they have a good scheme going on and its essentially stealing a tremendous amount of wealth.

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 2022-05-25
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: Was not notified of investigation status or results

Complaint:
XX/XX/2022 I sent a dispute letter disputing my inaccuracies on my credit report. On XX/XX/2022 I received a response from Transunion Section 611 ( a ) States : The consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. This also Violated 623 ( 9 ) ( b ) ( 2 ) the credit bureaus are to complete all investigations BEFORE the expiration of period under section 611 ( a ) ( 1 ). Transunion replied back verifying or updating information.Accounts disputed are still inaccurate or inconsistent. Transunion FAILED to conduct a reasonable investigation of your dispute, Violating CRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate. If a furnisher can not affirmatively verify that it has accurately reported disputed information, 1681s-2 ( b ) ( E ) of the Fair Credit Reporting Act requires the furnisher to modify, delete, or permanently block the reporting of the disputed information. If the investigation was throughly done Transunion would have not needed to update any information. It was NOT throughly done because I still have inaccuracies. Another Violation U.S. Code 1681 would be Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof. Transunion had no right to believe my disputes were frivolous or irrelevant.So XX/XX/XXXX I sent a letter asking Transunion to send me the methods they used to verify these accounts I have been ignored Transunion had 15 days to respond they have not. This company has violated so many of my rights as a consumer. I am trying to find a home I am at-risk of being XXXX  with a XXXX XXXX old and I can not find a home due to my credit and Transunion keep failing to follow the law causing me trouble in my personal life.

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 2018-11-14
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: Their investigation did not fix an error on your report

Complaint:
I requested multiple investigations ( XX/XX/2018, XX/XX/2018, XX/XX/2018 ) into the accuracy of account : XXXX/XXXX and after reviewing my credit report provided by XXXX on XX/XX/2018 confirmation # XXXX, and credit reports from Experian & XXXX dated XX/XX/2018, ( creditchecktotal ) the account, XXXX XXXX  is still being reported inaccurately XXXX How can you report that the item was verified to OUR company that the current status is being reported correctly when the payment history is NOT correct, nor is there an account balance being reported according to XXXX confirmation # XXXX. According to report dated XXXX2018, XXXX is reporting me with a " XXXX '' balance on XXXX XXXX, '' however, XXXX & Experian are reporting me with a {$230000.00} balance. If the CRA 's have properly investigated the accuracy of this account then why are all 3 credit bureaus reporting all different payment histories, different balances if they actually verified the accuracy of the account as requested multiple times? 
The CRA 's are in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] therefore delete this account.

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 2023-10-28
Company: EQUIFAX, INC.
State: GA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: In progress
Consumer complaint received 2023-09-21
Company: BROKER SOLUTIONS, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
I am applying with New American Funding for a Pennsylvania FHA loan ( was actually approved ) and then was told that I needed to prove that my manufactured home was taxed as real property and did not have an active title with the DMV. This home was my parents since XXXX  and is being taxed as real property. The DMV sent my lawyer a certified letter that they do not keep Title records past 10 years. Before I bought this home from my parents estate, they had several mortgage loans ( I paid the final HELOC off when I purchased the property on XX/XX/XXXX ). They told me to contact a lawyer, which I did and was informed that my house is included in the tax assessment as real property. I paid to have a structural engineer to come out and he provided a report that my home is permanently affixed tot he property ( it has been since XXXX ). I have provided everything that they have asked for and they are still delaying my loan because the DMV says that there is no title on file ( they only keep title information for 10 years ). The house has been included on the property assessment since XXXX. I spent money on the appraisal, structural engineer and an electrician to upgrade to XXXX outlets in the kitchen and bathrooms. Their delay is now causing me financial hardship for no reason. I do not know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation