BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: CO
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 am writing to complain to EXPERIAN about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2023-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Hi Following a visit to our local Bank of America and discussing with a bank sales person, We were offered to refinance our Heloc at no cost with a better rate. We sign the new heloc document on the XX/XX/23. 
We noticed a discrepancy with the new balance that was higher than the previous .There is a differential of {$840.00} added to our balance. 
Luckily we have a screenshot of our balance before signing the new heloc. There is no online history of our previous XXXX. 
On XX/XX/XXXX after previously reaching out to the bank, I received a payoff statement with the total interest with no initial date or end date for the interest. It was the first time that were were made aware of it. At any point of time the bank mention additional interest adding to the balance until the new heloc started. 
We are pretty frustrated by this practice, if we had being made aware of this particular fact our decision will have being different. 

Thank You XXXX And 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 explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-04-20
Company: Experian Information Solutions 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 lost a lot of my personal documents in XXXX during the Texas hurricane. Since then, i have been receiving a lot of mail since my house is now fixed and in livable condition. I checked my credit report, and it is a lot of accounts on my credit report that do not belong to me. i have filed a police report and i will include the incident number along with additional fraud accounts that are on my credit report below XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX  XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX POLICE INCIDENT NUMBER 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 2023-07-29
Company: Experian Information Solutions Inc.
State: MI
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:
Identity theft accounts are not accurate and the accounts are not mines.they are damaging my consumer reports.

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 2022-04-19
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:
Transunion/XXXX  are reporting an alleged debt of {$94.00}. Both agencies have inaccurate information reported. Ill provide a few examples 1. Date opened both have different dates 2. Payment status states its a charge off but it has a balance of {$94.00}.

3. The comment section both agencies provide different remarks. 

My issue with it, is first I never gave consent for my personal or medical information to be furnished I have a right to privacy. In addition I never signed a hippa release form for XXXX XXXX. Therefore its inaccurate and also a hippa violation. XXXX laws are to protect my personal and medical information. FCRA is put in place to make sure I have fair and accurate credit reporting I am entitled to that by law. And that didnt happen in this case. 

Please provide me with verification and validation that allowed you to furnish this information. Im sure you must have something that that ties me to the alleged debt. Please provide my with a letter given you consent to furnish this information please provide and documentary evidence regarding this alleged debt. I know you can not withhold any information from me to be in compliance. You have to provide me with everything that Im requesting Heres tracking number for XXXX XXXX Tracking number for XXXX Tracking number for 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 explanation
Consumer complaint received 2022-06-20
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: Account status incorrect

Complaint:
XXXX XXXX XXXX, XXXX XXXX, Experian XXXX XXXX XXXX you are not in compliance with Federal Law 15 U.S. Code 1666b ( a ) ( b ). 

I, XXXX XXXX, am demanding you UPDATE all my payments as ON TIME on my Consumer Report should NOT be any Late Payments for any reason pursuant to15 U.S. Code 1666b ( a ). 

Thanks for your timely response.

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 2023-03-22
Company: Apothaker & Associates, PC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX I, XXXX through its lawyers Apothaker Scian P.C . garnished my bank in XX/XX/XXXX and again in XXXX for money not owed to them. I had petitioned the Court to strike the Default Judgements Apothaker Scian P.C . obtained without notifying me with a required Certified Mail 10 days notice. Both petitions were granted for the Judgements to be striken. However, Apothaker Scian P.C still did not reimburse me for the {$250.00} fees I lost due their attempts to steal from my bank account. It caused me to suffer {$250.00} in loss for non refundable bank fees and have refused to repay it. They also damaged my Credit Report and have refused to compensate me for the damage on my reports since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX, XXXX XXXX Dear TRANSUNION, I have recently reviewed my credit report and found unauthorized inquires. 

I contacted the below creditors and they have NO proof that I initiated such inquires, nor written authorization and have failed to provide any PERMISSIBLE PURPOSE. Since they dont have my authorization, written nor verbal I demand that you DELETE these unauthorized inquiries from my credit report IMMEDIATELY as there is no evidence of any authorization, nor any PERMISSIBLE PURPOSE. 

Pursuant to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 USC 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : 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 I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I am the NATURAL LIVING PERSON and have submitted this request on my own so please dont try to stall my request. 

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 2019-01-26
Company: Herbert P. Sears Co., 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:
XXXX  has been non-compliant with removing the unverified account H P SEARS CO, INC Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that H P SEARS CO, INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2019-01-26
Company: Source Receivables Management LLC
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:
XXXX  has been non-compliant with removing the unverified account SOURCE RECEIVABLES MANAGEMENT Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that SOURCE RECEIVABLES MANAGEMENT was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: 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:
RE : Dispute of XXXX XXXX Account # XXXX I am writing to you in response to the notification dated XX/XX/XXXX, regarding my previous dispute for the above-mentioned account. Despite my numerous attempts to dispute this information, the inaccuracies continue to persist on my credit report. 

Following your agencies ' reinvestigation, the report still contains inaccuracies. Even after you received my previous dispute ( please see the attached document ), two differing dates of last activity remain on my consumer report - XXXX reports XX/XX/XXXX, and Equifax reports XX/XX/XXXX. 

Moreover, after reviewing the alleged updates from your agencies today, the payment history on the account is reported differently by both agencies. XXXX reports my account was 30 days late in XXXX XXXX, 60 days late in XX/XX/XXXX, current in XXXX and XXXX XXXX, 30 days late in XXXX XXXX, 60 days late in XX/XX/XXXX, and 90 days late in XX/XX/XXXX. Conversely, Equifax reports that my account was 60 days late in XXXX XXXX 90 days late in XX/XX/XXXX, contains no data for XXXX and XX/XX/XXXX, was 60 days late in XXXX XXXX, 90 days late in XX/XX/XXXX, and 120 days late in XX/XX/XXXX. 

This continuous reporting of inaccurate information demonstrates that your agencies did not conduct a reasonable investigation and are non-compliant and negligent pursuant to 15 USC 1681n. The inconsistent data supplied by the furnisher is clearly unreliable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20
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:
XXXX XXXX XXXX, TransUnions LLC, XXXX XXXX XXXX XXXX you are not in compliance with Federal Law 15 U.S. Code 1666b ( a ) ( b ). 

I, XXXX XXXX, am demanding you UPDATE all my payments as ON TIME on my Consumer Report should NOT be any Late Payments for any reason pursuant to15 U.S. Code 1666b ( a ). 

Thanks for your timely response.

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 2019-03-04
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A guy XXXX continues to call at my work, from number : ( XXXX ) XXXX-XXXX, this is a fraud account and need to stop calling at my work office. 

He calls my number at : ( XXXX ) XXXX-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter on XX/XX/XXXX stating my check was being rejected because We are unable to accept credit cards. The check itself has a stamp that said received XX/XX/XXXX. I called SLS mortgage company XX/XX/XXXX to inquire since the check I sent was through a debit card through Bill Pay. They told me they couldnt do anything and wouldnt research it further. Additionally, the representative wouldnt transfer me to a supervisor and just dropped my call. The money has already been taken out of my account and Im worried now I will incur collections and be reported for a late payment.

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 2023-04-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
About 2 weeks ago I made a cash advance of {$1500.00} from my old credit card with # XXXX XXXX XXXX XXXX and I reported to its customer service that I had lost this card so they agreed to close this card account and opened a new account which I just received its card yesterday on XX/XX/XXXX wich shown my current balance was {$400.00} due to my payments combined of {$1100.00} made to this account already but today ( XX/XX/XXXX ) my account was posted {$1900.00} as the current balance. I called the Customer Service to dispute it because this amount was unrecognized by me but the Customer Service told me that the amount of {$1500.00} were returned back to my bank checking account. I contacted my bank and had them check back on my bank balance statement but it did not show at all the amount of {$1500.00} were returned like the Synchrony bank Customer Service had told me even one of its member told me on Monday XX/XX/XXXX that the amount of {$760.00} was not returned back to my check account and it was credited to my payment for my credit card. It indicated clearly that Synchrony bank and its employees had committed fraud upon my credit account to cheating me financially and had violated the law of Fair Credit Billing Act and Consumer Rights Act. I would like to request that the CFPB to demand Synchrony bank to recorrect my balance at {$400.00}, to impose {$100.00} XXXX dollars penalty upon Synchrony Bank and suspend its business license for 5 years beginning on XX/XX/XXXX in order to deter Synchrony Bank and other financial institutions from engaging fraudulent activities and to protect the consumers interest. Thank you.

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 2022-04-20
Company: WELLS FARGO & COMPANY
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:
The company points out in a prior complaint a settlement and the details of the settlement but fails to acknowledge that the account turns to income once charged off. The account was charged off on XX/XX/XXXX. After the settlement balance was paid there was a 1099c issued XX/XX/XXXX with a discharged balance of XXXX that is required by law to be reported to the IRS as income by the consumer. The account status is no longer debt but INCOME. Reporting this account as anything other than income after the the company has charged off the account is inaccurate and income DOES NOT get reported on a consumer report which is why the account needs to be deleted. Wells Fargo was relieved of the tax burden with this account and the tax burden then placed on the consumer when charged off. There's also case law to back up what I've just stated. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I've been very direct in pointing out how the company has violated the FCRA. At this point the company is willfully non compliant given I have put them on notice prior to this complaint. Under 15 usc 1681n Wells Fargo can be held for civil liability for willful non compliance. Delete the account from my consumer 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 non-monetary relief
Consumer complaint received 2023-10-24
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:
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 XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX has violated my rights. Or a 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 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