BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-30
Company: EQUIFAX, INC.
State: AR
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
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 am writing to file a complaint against Experian regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted XXXX about the following incorrect information on my credit report, but to this date they have not responded. 

Because of the incorrectly reported data, I require that your bureau verifies the XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) account. I am unsure of the accuracy of the balance of {$1700.00} that you report for this account because I do not recall owing such a high amount. Your agency presented this account as closed and charged-off, so the past due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed so that it won't have any further negative impact on my credit score. Additionally, I request that you verify the Date Opened, Date of Status, and First Reported for this account. 
Furthermore, your agency is reporting inaccurate information for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do recall my original creditor - XXXX XXXX XXXXXXXX XXXX  and it is obviously a different company than the one you are indicating. Moreover, I do not have any contract with this company and have never been contacted by them. Your agency provided false information about the Balance of {$290.00}, which is higher than I believe it to be. Due to these inaccuracies, I am disputing this entire account and I ask for a verification of Date Opened and Date of First Delinquency.

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 2018-04-30
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Chase failed to provide compensation for XXXX Class Action Services, amount is {$1700.00}, as indicated in their letter dated XXXX XX/XX/2018. Chase cheated with the settlement, promised by federal court and significantly delay payment so that victims eventually forget such a payment. It is illegal and fake practice by Chase. Chase Rewards, Program Settlement, XXXX. XXXX XXXX, XXXX, RI XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX XXXX You are In Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX  ) 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.c 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2020-04-01
Company: MoneyLion Inc.
State: GA
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 paid off a loan in XX/XX/2019 # XXXX, Money Lion payment processing generated me a paid in full statement. Months later I'm reported as 30 days late because they had issues with there payment processing. XXXX  and I called Money Lion amd spoke to a representative in XXXX paid this loan in full and was assured they would remove the false 30 day late payment. Now again I took out and paid in total another loan. On my dispute old information has been transferred from XXXX to XXXX ( in my dispute XXXX  # XXXX - There was never a late payment on either loan. Both loans was paid in full before the due dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts as soon as possible. 

DPT ED/XXXX XXXX {$160.00} DPT ED/XXXX XXXX {$1400.00} DPT ED/XXXX  XXXX {$2900.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$2000.00} XXXX  XXXX XXXX {$4600.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$530.00} XXXX XXXX XXXX {$82.00} XXXX  XXXX  XXXX  XXXX {$100.00} XXXX XXXX   XXXX {$270.00}

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX , account # XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX , account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX , account # XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX , account # XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 did a letter on XXXX and sent it on XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TransUnion tracking # XXXX requesting the deletion of the account based on inaccurate information. The payment history is completely inaccurate and the bank deleted or wrongfully reported information to prevent deletion and prolong the account on my credit report. I missed a few payments in XXXX and did a payment of {$640.00} on XXXX to cover part of the amount due at the time. The bank did not report any payment for XXXX or XXXX to prolong this account on my credit report and prevent deletion. Now, I provide evidence of payments that were not reported.

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 2023-08-29
Company: Firstsource Business Process Services, LLC
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 
Under 15USC -1681 section 602 states I have the right to privacy.

15USC -1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.

Under 15USC-1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I sent a Certified letters out to the credit bureaus. My tracking numbers are XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX asking them to reinvestigate my accounts The Credit bureaus stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A section 2 The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well and now isn't the time to update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: PR
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 did a letter on XXXX and sent it on XXXX to XXXX XXXX XXXX XXXX, Experian tracking # XXXX, XXXX XXXX XXXX XXXXXXXX requesting the deletion of the account based on inaccurate information. The payment history is completely inaccurate and the bank deleted or wrongfully reported information to prevent deletion and prolong the account on my credit report. I missed a few payments in XXXX and did a payment of {$640.00} on XXXX to cover part of the amount due at the time. The bank did not report any payment for XXXX or XXXX to prolong this account on my credit report and prevent deletion. Now, I provide evidence of payments that were not reported.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: CA
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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 2023-04-23
Company: Experian Information Solutions 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:
Report ran from XXXX XXXX XXXX experian has loan incorrect on print out others have it correct. Tried to call and fix they said information is correct then why are print outs wrong? He didn't know asked for supervisor wait nearly 10mins said do call back. No call back. My reports should reflect my correct information. They were rude and not helpful and messing up my world because the facts are not correct.

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 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i dont have dates because its been going on for years. portfolio recovery specialists and other companies i dont even know of constantly harass me and make threats to me saying i could suffer legal consequences if i dont pay or make arrangements and that my credit will be affected. they leave voicemails and send letters

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been battling Fay Servicing for quite sometime. I have sent it payments for 12 months and I have proof and I am not late. 

Initially, this loan was with XXXX XXXX XXXX and they transferred/sold whatever the loan to Fay Servicing. 

XXXX XXXX XXXX increased my mortgage payment from around {$4600.00} to $ XXXX/month which was astronomical. I requested several times for an escrow analysis and they never responded. As a XXXX  XXXX   XXXX, I calculated the monthly escrow payment ( taxes and insurance ) and it was completely off. The $ XXXX/month was correct. 

Then one day I found out my loan was transferred to Fay Servicing and every single person I speak to over there just doesn't understand this case. 

Anyways, the entire length of my mortgage I have been paying $ XXXX/month with a $ XXXX/month excess towards principal or in suspense for increased taxes. I refused to pay the extra $ XXXX/month and instead continued to pay the {$5000.00} because I knew that the escrow analysis was wrong. When Fay Serving did the escrow analysis ; they found that I was right and that I should not be payment $ XXXX/month, but rather even less at around $ XXXX/ month now. I have proof that I have made all my mortgage payments see attached and let me know if I need to get something notarized or whatever from the bank. I have not completed my XXXX mortgage payment because I wasn't sure if I needed to hold back that money to hire an attorney in which case I will be filing a counter claim for fraud and deceptive practices for starters. I think that a forensic accountant or someone needs to explain to us what is actually going on because this is not right ; we have made the payments and have been treated like scumbags that don't pay their mortgage, which clearly is not the case. 

Furthermore, I have correspondence between myself and XXXX ; however, he never responds to my emails. I hope that I have explained this adequately. If not, please write me back ; I'd like to keep everything in writing from this point on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX has double paid on the yearly taxes for our house. We have noticed that Carrington Mortgage Services , LLC did not recognize the payment at all and their still making us pay monthly. We didn't know that we did not have to make the payment and they were gone take it out over a 12 month period. We went to the XXXX Tax Collector and they told us that they sent our payment to Carrington Mortgage Services because their records showed that the taxes had been paid. They should have sent the payment back to XXXX XXXX. They told us that Carrington has our money, but they are saying they never received it. So far XXXX Tax Collector and a lawyer both tract the cashier check to Carrington Mortgage service. Can you help us get our money back from Carrington Mortgage Services. We paid with a cashier check from XXXX XXXX XXXX XXXX check # XXXX for the amount of {$3300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received repeated calls ( weekly ) from these types of number ( XXXX ) claiming to be representatives from Hunter Warfield. The man told me I owed about {$17000.00} to a leasing company that owns XXXX XXXXXXXX XXXX I told him I never lived there. He provided the address ( a place in XXXX ) I said I do not recognize it. He asked for my date of birth and last 4 digits of SSN to verify it was me. He said the DOB did not match but the SSN was the same. He said he would file a claim for fraud. Then ended the call. I was still skeptical so I checked my credit report and theres no such charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. The List of accounts below has 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, has violated my rights. 

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 2023-12-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
this company Wells Fargo XXXX XXXX sent me XXXX pages of bank statements and telling me the date someone paid the bill. but they refused to give me what i ask for which is every single item a identity theft victim can request. except for, i don't want no fraud reports on my credit report. i have locks on there. i also want the account remove because the credit bureau says that the company verified it to its maximum accuracy which they didn't and they certified it over XXXX times from XXXX to XXXX XXXX. so i want the account removed, a letter from them showing that I do not owe anything, and a {$20000.00} check which is not even 5 % of what they cost me, not including punitive or statutory damages. im filing next week a demand letter and the beginning of the week after injunction relief and a civil suit for statutory and punitive damages if this is not solved. the XXXX branch of Wells Fargo called me and asked why I was bothering them and my credit is the one stolen and damaged. I'm saving the list of over XXXX violations for the civil suit if it gets to there. I have every record recorded and i will also subpoena their records too. Wells Fargo got caught for XXXX years in a role destroying American people 's lies and their policy should be known at least to cfpb and FTC and it should be changed. delete this account from my 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 non-monetary relief