BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am writing this letter in response to your current investigation that took place in my credit record. Again, I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : XXXX Collection : XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance {$0.00} Inquiries : XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX FOR XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX OF LA XX/XX/2021 EXPERIAN Collection : XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance {$0.00} Inquiries : XXXX/XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX  XX/XX/2021 XXXX AUTO XX/XX/2021 XXXX XXXX/XXXX  XXXX XXXX XX/XX/2021 XXXX Collection : XXXX  XXXX XXXX Balance {$0.00} Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

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 2022-05-28
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
We were told to send money through XXXX for a product and were scammed {$400.00}.

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 2021-06-24
Company: Action Financial Services, LLC
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never received an education loan. This is not my account. According to my credit reports, an education/installment loan was opened on XX/XX/2011 for {$3500.00}. The original creditor 's name is not listed, and there are two different addresses listed for the contact info. On my XXXX credit report the address is XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX. On my XXXX report the address is XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX. Neither of the addresses match the address listed on the official US Department of Education website, which is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I called the phone number that was listed on my XXXX report, and it forwarded me to a collection company called Action Financial Services , LLC. I do not know what company this is reporting this loan to the credit bureaus but it is not mine and it 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 explanation
Consumer complaint received 2022-12-02
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 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 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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and needs to be update in positive immediately : XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$3100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-24
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response from the credit bureaus. I feel like I am being taken advantage of and being ignored. In Section 611 ( a ), it clearly states that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be updated to payed as agreed and all the fraudulent inquiries deleted. I demand that these items are addressed immediately or I will file for litigation due to the stress it has caused me. My information was also impacted by the Equifax Data Breach and may have fallen into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has responded that the accounts in question have come in VERIFIED. They need to follow an E-OSCAR method of validation. Then it goes through a Metro2 code. That code is generated and sent to the creditor or debt collector. The letter goes to the credit beaurues, E-OSCAR, then the creditor or debt collector. ACDV ( Automated Credit Disputed Verified ). The credit or debt collector must respond to the letter. It is saying that it is VERIFIED or updated. That is ILLEGAL because there is no proof that Transunion has personally validated this account. By law, it MUST be removed! It violates FCRA rules and regluations attached!! My certified letter to transunion # XXXX was sent XX/XX/2023. The certified letter was accepted by Transunion regarding the dispute. It takes 30 days to process the information and respond. They have responded that the accounts are indeed VERIFIED. That means that they have manually checked the account information as valid and there are NO discrepencies in the reporting on my report. That means it is 100 % accurate. The account in question is I. ) XXXX XXXX Credit Card. It must I have proof that the investigation was not accurate. In Transunion 's investigation, they have claimed that the accounts are VERIFIED and belong to me. That means that they have reviewed ALL of my information and are claiming that it is mine. According to the law, they are in violation of FCRA. The addresses on my credit report do NOT match up with the accounts in question. The accounts that I am disputing also are NOT reporting correct accounts, dates opened, last reported, and type of reporting. Legally, the accounts MUST be deleted. If the accounts are NOT deleted from my credit report, I will be suing Transunion for violating the FCRA rules and regulations of publishing false information about consumers reporting information. This makes sense as they are doing it to me. This will be my last dispute before litigation against Transunion. I have attached a copy of my current credit report highlighting the inaccuracies of the above forementioned accounts that MUST be deleted off my credit report. If they are NOT then I will be suing Transunion. I have also attached the data breach settlement from Transunion and there lawsuit. I have attached FCRA rules and regulations that Transunion and the other credit bureaus MUST follow and they are clearly violating. I have also attached a copy of my driver 's license which shows that the information that is reporting is in VIOLATION.

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 2022-05-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2021 Synchrony Bank notified me they were closing my account. This was immediately after I had made several large purchases on Amazon and sent in a large payment. As a result of the card cancellation Amazon cancelled my purchases, but Synchrony still cashed my payment. 

As a result of this I have a negative balance of {$61000.00} on my card that they owe me. Their statements clearly show this, that they have my money is not in dispute, each of the XXXX service agents I have talked to over the last XXXX months has agreed that I have this credit in my account. 

However, I have called 4 times and talked to different agents to try to either get my money back or the account re-opened so I can spend the money. 2 agents said they would send a check within XXXX weeks, the other two ( including a supervisor called " XXXX in Account Management '' today ) said I needed to fill a form out showing proof of payment and they send me the request letter I have attached. 

I have faxed online bill pay statements to them ( also attached ) showing the payments, and their statements show the payments, but they refuse to return my $ XXXX. XXXX today said that they now need a letter on bank letterhead stating the payments were made, which in my opinion is just a delaying tactic to avoid repaying my money that they fully admit they have. 

I need your help to get my money back, and at this point I think it would be fair for them to pay me interest on it too. 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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Inaccurate Information reported to Credit Bureau. 

To whom this may concern, this is the XXXX time in a matter of months that my auto loan with this lender has reported an inaccurate balance and increase to the credit bureau. The first inaccurate report was corrected in a few days however, this second inaccurate report is now becoming frustrating. I am in the middle of purchasing a home and this incorrect information is becoming a burden to deal with. It makes being a consumer for this lender completely undesirable. Can someone please get back to me immediately with a response and a quick solution for rectifying this incorrect information once again immediately please. For the past XXXX years I have never had a problem with this lender. For the past XXXX months, this issue has been completely ridiculous. I have attached the information that I need corrected.

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 2022-05-27
Company: EQUIFAX, INC.
State: AZ
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 Acct # 's 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX a company charged {$44.00} on a Barclays credit card I had not used for a few months. XXXX must have changed me to paperless because I never received a statement. In XX/XX/XXXX, I saw a drop on my credit report because of late fee and interest charges. I talked to Barclays and they did waive all the late fees and payment charge fees. However, they said it was too late for them to tell the credit agencies and I would have to dispute the charges myself. This policy is crazy, because I have to dispute the charges myself and then it takes 30 days to investigate the charges. During this time my credit score has dropped over 100 points because Barclays wouldn't contact the credit agencies directly.

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 2023-03-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX i have reached out to the companies to have this issue resolved, most of them advise me to speak with the credit bureaus when i reach the credit bureaus for assistance they advise me to contact the creditors or the companies who pulled my credit for a " letter of deletion '' I am being sent back and forth between the companies, spending hours on the phone and still have not had assistance with these inquiries this is becoming extremely frustrating. I need these inquiries deleted as soon as possible this is not fair to me as a consumer these inquiries were not made/authorized by me they are fraudulent please do the right thing and remove thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my XXXX, XXXX XXXX TransUnion consumer report, and i noticed that XXXX XXXX XXXX XXXX are reporting my transactions and experiences specifically a late payment that have posted on my consumer report : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term ''consumer '' does not include - ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely at to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX XXXX XXXX XXXX Making the report is NOT INCLUDED on my Consumer report! A LATE payment is a transactional history, My HISTORY WITH XXXX XXXX XXXX XXXX. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on my consumer reports! XXXX XXXX XXXX XXXX HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which clearly states IS NOT included on my CONSUMER REPORTS. PUT ON NOTICE that the reporting of my transactions or experiences with XXXX XXXX XXXX XXXX to the consumer reporting agencies is a DIRECT VIOLATION of the Credit Reporting Act 15 USC 1681a 2 Ai and this constitutes to inaccurate reporting. Furthermore, pursuant to 15 USC 1681 S-2 15 U.S. Code 1681s-2 - Responsibilities of Furnisher of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBTION ( A ) Reporting information with actual knowledge of errors 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. DUTY : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something

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 2023-08-03
Company: CrossCountry Mortgage LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about the first of XX/XX/2023, I contacted Cross Country Mortgage in attempt to re-finance my home and obtain a line of credit. We ( Cross Country Mortgage & myself ) determined my current mortgage is a XXXX for XXXX mortgage. While Cross Country was unable to extend a line of credit, they approved me for refinancing with a traditional mortgage. I submitted all requested documentation and signed a contract with Cross Country. In addition, the requested repairs were made and approved by the assigned appraiser. 

In early XXXX I received a message from the Senior Loan Officer, XXXX XXXX XXXX, who had been working with me and advised me of my approval. She advised me that they were having difficulty reaching my current loan service provider, XXXX XXXX to obtain contact information for the lienholder, XXXX XXXX XXXX. I contacted XXXX XXXX. They had completed and faxed the Verification of Mortgage form. They advised me that they had not been asked for any additional information. 

I made multiple attempts to reach XXXX XXXX by text, phone, and email as well as any other available loan XXXX with the company. To date I have not received a response from anyone. 

During this process XXXX XXXX advised me not to make XXXX payment because it would affect the information already submitted to Cross Country and could take 7 10 days for updated information. In addition, XXXX XXXX and Cross Country advised me my first payment under the new mortgage agreement would be XX/XX/2023. Given this information, I did not pay or save my mortgage payments for XXXX XXXX and because of this I am now past due. 

I would like to note that I also spoke by phone with a local real estate attorney and explained the situation to him. He was able to pull up contact information for XXXX XXXX XXXX while we were on the telephone. He offered to do facilitate a XXXX XXXX. I did not retain him as counsel. Instead, I sent a certified letter to Cross Country Mortgage on XX/XX/2023, advising them of what I was willing to do to move the loan along. To date I have not received a response from Cross Country Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, 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 the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instruction.

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: Closed with explanation