BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX ) XXXX XXXX- XXXX XXXX ) XXXX XXXX- XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A , states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10
Company: Experian Information Solutions Inc.
State: CO
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 ; Experian and XXXX are reporting incorrectly that I am ( XXXX ) days past due on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a transaction history on this account and it clearly shows that I have never missed a payment. More importantly, this transaction history shows that monthly payments were made PRIOR to the late fees being assessed. There is a consistent pattern of late fees being charged AFTER a payment was made! This false reporting of lates is seriously harming my credit score and these lates need to be removed from my credit report. I have contacted the bank and the ( 3 ) bureaus to remove these lates however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my Experian credit report, and I noticed some Transactions posted on my credit report that is excluded by federal laws from my consumer reports : XXXX XXXX XXXX, Acct XXXX XXXX XXXXXXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 



15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Furthermore, 15 USC 1666b ( a ) : ( a ) TIME TO MAKE PAYMENTS 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 explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
Statue 15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

Statue 15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the written instructions and consent of the consumer ( myself ). 

XXXX and EQUIFAX has furnished my credit file with inaccurate information and accounts. I have try to resolve this matter several times by disputes with each bureau. Each dispute comes back as UPDATED and is a violation of my rights by law. 
If each bureau is furnishing different information the that very information is deemed invalid. This information and inaccuracies clearly violate the laws of the Fair Credit Reporting Act. Which information is correct? By what measures? I deserve the right to an account credit file. Please remove and delete this inaccurate account and information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
My issue involves WellsFargo Credit company due to them labeling me as deceased with no explanation. I want to say this error happened on XX/XX/XXXX. On XX/XX/XXXX, I contacted a Wellsfargo branch in person to submit a proof of life document, and called social security, in which I was told they had no indication of me being deceased and that they did not contact the bank. Basically, I have been given different dates on when my previous credit card will return to my account. 4 different occasions, I called the credit company and they would tell me wait until a certain day. That day would come or pass and I would be told a different date. Finally, I was transferred to their higher up on XX/XX/XXXX to be told they don't know why I was labeled as deceased and I would have to wait two more business days. I've been with this bank since I was a teenager for almost 14 years and I feel like they are being laxed and not completely honest with processing my documents to return credit card. I was in good standing with my credit card, and I'm even unable to get a new one because of their error. To know that Wellsfargo credit company does not have specific notes to why I was listed as deceased is disturbing and makes me feel that the process can happen again without them taking precautionary steps to ensure they have accurate information. This is another stress I have added to my life and I've tried getting help from them, to which they seem to be clueless.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On numerous occasions I contacted Experian Credit Bureau about why it is a negative account attached to my consumer report. I was given a phone number to contact the original creditor so I can get this off my consumer report. This information is report inaccurate on my Experian Consumer report and I would like it removed immediately. I am going to attach both my XXXX and XXXX XXXX report to show that I don't have any negative accounts. I am being violated by consumer law 15 US Code 1681 s 2.

Please help me with this problem.

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 2021-03-16
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have defaulted on my mortgage payments because I am in a serious financial crisis. I have explained in detail to my mortgage company by email so that they have every detail of my situation and how I plan to pay. They call and they email and they call and they email repeatedly like bullies as if I am holding onto my money and refusing to pay. I have {$160.00} in my account at this moment. They email me and tell me to call because they wont put a hold on the account by email. What does it matter if I call versus email! Its the same reason Ill give them over the phone! In the past when Ive contacted them by phone theyve tried to get me to pay. I dont like talking to them over the phone because they can be very ugly and rude. Its totally unnecessary. They know I live in TEXAS and we went through a horrific WINTER STORM! We went days without electricityand water and I missed an entire week of pay! My bf works for XXXX and his store was closed for a week so no one was there to do payroll. My paycheck for that week was only {$90.00}!! You tell me how Im going to pay a {$1000.00} mortgage with {$90.00}. Please someone tell me how Im going to squeeze that out of {$90.00}. It took 2 weeks for payroll at XXXX to get back on track because of the winter storm. I had to cash out my XXXX from my last job to get caught up. I have not gotten a stimulus package, otherwise I would have paid already! Being bullies and trying to squeeze money out of someone that doesnt have it does not help the profound situation. I have never been able, in the past to get a hold of my XXXX XXXX from XXXX. Its always someone else, then I have to re-explain the situation and then they get a supervisor on the phone and theyve always, always been nasty to me. Being ugly does not help the situation, especially when theyre a complete stranger. They do not know what is going on in someones personal life. There is absolutely no compassion when said person has been through multiple catastrophic events. I have been struggling since Ive moved in this home. Ive had through XXXX major XXXX XXXX, I was XXXX, i was on short term XXXX, which limits your income, then XXXX hit, then I wrecked my car, then the winter storm hit Texas. I have been doing the best I can given every single thing I have endured since 2015. I have tried to get a home loan modification but they refused and only modified one payment after I had my XXXX  XXXX. It did not help. My mortgage should be modified to my current income so it is affordable. Im only make {$10.00} an hour. When I bought the home I was making {$15.00}. Thats a big difference. Even though every payment has been late, Ive still made my payments. Im doing the best I can. If 21st does respond to this I know theyll try to justify their reasons for being the way they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I spoke to a customer service representative XXXX before they charged off my account because I had already paid off my phone and didn't understand why they were saying that I was behind all of a sudden. They informed me that I was correct and it showed paid in full. They were supposed to escalate the issue to a manager and I was supposed to receive a call from someone but no one got back to me and the following month they charged off the account and have been reporting it negatively against me ever since.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to dispute the debt that is currently appearing on my credit report. According to my records, I do not owe this debt and it is not mine. I request that you provide me with proof of the alleged debt, including the name and contact information of the original creditor, the amount of the debt, and any documentation that you have to support your claim. I also request that you notify the credit reporting agencies that this debt is in dispute and request that it be removed from my credit report until the dispute is resolved. If you are unable to provide me with proof of the debt, I request that you close the account and remove all negative information from my credit report. Please be advised that I am aware of my rights under the Fair Credit Reporting Act, and I will not hesitate to take legal action if necessary to protect those rights. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Incomm Holdings Inc.
State: WV
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received a gift card in the amount of {$100.00} on XX/XX/XXXX. Tried to use the card in XX/XX/XXXX. The balance was XXXX. I called Vanilla Visa Gift card at XXXX and was told the card was used in Illinois at a restaurant. I live in another state and have never been to Illinois. For starters, they had my first name wrong. I immediately corrected the rep and they asked me to send an e-mail to gift XXXX to correct my name which I did. This was on XX/XX/XXXX. I have called several times and today, XX/XX/XXXX, they told me I had to send a bill with my name and address to verify my first name. I have the card myself with all the necessary info so it wasn't that I lost or misplaced the card. Someone just got the number somehow. Each time I call I get the same story. It will take until XX/XX/XXXX to resolve. But today the rep said I needed to verify first name before they could start the investigation. I did nothing wrong and it's not my fault that someone didn't ask for proper ID when the number was being used since I have possession of the card. Any help will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: ENCORE CAPITAL GROUP INC.
State: AZ
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:
On XX/XX/23 Midland credit Management and I made an agreement to settle a collection of {$1400.00} paid in full and removed from my credit report for {$1100.00}. I was promised that a letter would be sent to me stated those details. The collection agency reported that I only paid XXXX which has still left a balance of {$340.00} on my credit report. They also stated that I would receive a letter in ten days after the payment was approved. It is now XX/XX/23 ( 16 days ) and I did not receive the letter stating that this debt is resolved in full and would be deleted from my credit report. 

Under an investigation to XXXX and XXXX and XXXX. All companies are refusing to remove the existing amount in full from my credit report even after showing them the noted ( Conversation ) I have with midland credit funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway -XXXX XXXX XXXX XXXX -RESIDENT VERIFY XXXX I am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 604,611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report.

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 2021-03-15
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My current mortgage was on a forbearance due to loss of income related to COVID-19. I had an approved forbearance that I voluntarily terminated early and requested to be placed back into repayment status. I have never missed a payment and have a credit balance on my account. I was told my forbearance payments would be placed at the end of my loan, a calculation would be completed and my payments would resume. My loan was in good standing at all times. 
The mortgage company then reported my account delinquent in error and stated I was over 120days late. I disputed this with them as well as the credit monitoring agencies. I have called them on six occasions over the past 45days attempting to resolve the issue with no success. Im placed on hold for over an hour each time and no one can provide me any remedy, correction or accurate information regarding my dispute other than it was filed and will be processed. 
My credit score has dropped almost 200pts and I only found out about the issue when I went to seek credit for an auto loan and was denied. I have asked on multiple occasions to speak with a supervisor and have been denied. 
I am at risk of losing the ability to close on my refinance with another company and lose my rate lock due to this issue still going uncorrected. 

The mortgage company transfers me around and I have still not been able to speak to anyone that can resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX XXXX. 

a. Account Name : XXXX XXXX Account # XXXX b. Account Name : XXXX XXXX Account # XXXX a. Account Name : XXXXXXXX XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX Account # XXXX This above referenced accounts are in violation of Fair Credit Reporting Act supported by the following : 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 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 2022-06-10
Company: EQUIFAX, 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:
I sent a letter to the 3 Credit Bureaus XX/XX/2022 to repair these pieces of suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT 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 explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have sent several disputes via mail, online and over the phone due to identity theft. XXXX and Transunion have failed to investigate within 30 days after receiving the certified mail and online disputes. They also have yet to mark these fraudulent inquires as being disputed and will not remove them from my consumer report even after I have filed an FTC identity theft form complaint and submitted all documentation required for removal due to identity theft. XXXX and Transunion are violating FCRA rights and furnishing incorrect information. I have never lived at the address where these inquiries were made from. Please reinvestigate and remove all XXXX fraudulent inquires related to identity theft. see attachment. I will pursue {$1000.00} for each violation as this is affecting my ability to apply for credit

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 2023-01-14
Company: Genesis FS Card Services, Inc.
State: SC
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 to the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681section 604 a section 2 also states a consumer reporting agency can not furnish account without my written instructions. Under 15 USCS 166b, a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation