BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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:
I see an inquiry in my credit report without my authorization and written consent. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A which states that I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 which also states that a consumer reporting agency can not furnish a report without my written instructions. The following company has violated my rights and need to be removed from my credit report : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Empire Financial Services, Inc.
State: MO
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 is in Violation of the FCRA REPORTING ACT. I Have Two Accounts that was accidentilly deleted from my XXXX consumer report in a dispute. XXXX Deleted two accounts that should not have been deleted I have since reached out to XXXX about this matter which I was told that the original creditor would have to resubmit the two accounts and add them back in to XXXX. so I reached out to the Original Creditor Empire Financial to let them know about the two accounts that are not showing on my consumer report XXXX  Paid off Cars and Empire Financial went in and resubmitted the two accounts I have documents from the Empire Financial that I will attach to this complaint with the two accounts and account Numbers and the name of the person at Empire Financial who resubmitted the two accounts. These two accounts should have been put back on my consumer report instantly I was told from a supervisor at XXXX but its been also 30 Days and these two accounts are still not back on my consumer Report Empire Financial Person who Resubmitted the Two Accounts : XXXX XXXX Account Number : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2022 - I was notified by Wells Fargo Home Mortgage ( XXXX ) that there was not flood insurance on my property XX/XX/2022 - I was notified that XXXX would place Lender Placed Flood Insurance ( LPFI ) on my property XX/XX/2022 - XXXX made a phone call to XXXX agreeing to LPFI on my property at a cost of {$1800.00} annually. I was given an opportunity to either pay it up front or have it escrowed into my mortgage payment. I was told that {$1800.00} would be escrowed and divided over 12 months at a rate of {$150.00} extra/month. I agreed to this over the phone. I was never given any kind of paperwork to sign regarding this agreement. 
XX/XX/2022- XXXX insurance policy sent to my home XX/XX/2022 - Escrow review statement sent to my home stating that the actual escrowed amount was {$4600.00} at a rate of $ XXXX added onto my mortgage payment. 
XX/XX/2022- XXXX mailed to my home from XXXX regarding my complaint of the {$4600.00} escrowed amount. 
XX/XX/2022- XXXX sent to XXXX stating that I agreed to {$1800.00} to be escrowed to my account, not {$4600.00}. XXXX mortgage payment included in the correspondence with the agreed upon monthly escrow amount of {$150.00} added to that payment. 
XX/XX/2022- XXXX from XXXX in reponse to my XX/XX/2022 letter stating that there was no error on their part. 
XX/XX/2022- XXXX from XXXX stating that there was no error on their part. 
XX/XX/2022- XXXX sent to XXXX stating that I agreed to {$1800.00} to be escrowed to my account, not {$4600.00}. XXXX mortgage payment included in the correspondence with the agreed upon monthly escrow amount of {$150.00} added to that payment. 
XX/XX/2022- XXXX from XXXX stating that there was no error on their part. 
XX/XX/2022- XXXX sent to XXXX stating that I agreed to {$1800.00} to be escrowed to my account, not {$4600.00}. XXXX mortgage payment included in the correspondence with the agreed upon monthly escrow amount of {$150.00} added to that 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 2022-04-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Have contacted Experian 5 times in since XX/XX/XXXX regarding inaccurate balances on several of my accounts. I also reached out to the account lenders who stated they provided the information to Experian. They keep sending me around in circles until I also submitted a dispute. Still no reason for inaccurate balances on my report. Also, one account per the Fair Credit Reporting Act should have been removed in XX/XX/XXXX but they are misreporting dates of last payment without fixing and reporting it still on my current 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 2023-05-29
Company: Experian Information Solutions Inc.
State: OR
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: NY
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  account # XXXX XXXX  account # XXXX, XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX  account # XXXX 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 explanation
Consumer complaint received 2022-11-17
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
The debt collector ( XXXX XXXX XXXX XXXX XXXX ) collected exempt funds from my checking account. Ive tried to contact the collector about the matter, but the collector has failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXXXXXX XXXX is illegally reporting the following accounts on my credit report : Account # XXXX ... XXXX Account # XXXX ... XXXX Account # XXXX ... XXXX I have disputed these accounts several times requesting XXXXXXXX XXXX to provide physical verification in XXXX, XXXX, & XX/XX/2018. Per my rights, I requested a copy of the original contract with my signature that says I agreed to pay for this debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. XXXXXXXX XXXX refuses to provide me a copy of a legal agreement/contract with my signature ; therefore, they must REMOVE all 3 accounts from my credit report. 

XXXXXXXX XXXX has responded by sending me generic system-generated letters from their computer system with the codes XXXX & XXXX. They refuse to do a proper investigation and continue to ignore my request of providing me with a copy of the original contract with my signature. The generic pre-written letters are not sufficient in verifying debt. I have attached copies of the system-generated letters I received from XXXX XXXX. The law states you must provide a copy of the legal contract with my signature. XXXX XXXX   continues to violate my rights according to the FCRA. 

XXXX XXXX sent me letters stating to contact the debt collection agencies instead. Listed below are the actions I have taken regarding the referenced accounts : Account # XXXX ... XXXX was charged off and sold to XXXX XXXX XXXX, XXXX. I contacted XXXX XXXX and asked for verification. They could not provide me with verification and responded by letter they will be deleting the collection from my report. I have attached the letter from XXXX XXXX for your review. 

Account # XXXX ... XXXX was charged off and sold to XXXX XXXX XXXX XXXX. 
I disputed XXXX XXXX XXXX and requested verification. The collection was deleted from my credit report because they were not able to provide verification of debt. 

Account # XXXX ... XXXX was charged off and sold to XXXX XXXX, XXXX. I contacted XXXX XXXX and requested verification of debt. They have not provided me with a copy of the original contract with my signature. 

XXXX XXXX is the original creditor. They continue to report derogatory account information on my credit report illegally without providing me verification of debt according to my rights under the FCRA.

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 2020-02-20
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a voicemail on XX/XX/2020 from IQ Data International for collection on an outstanding debt. I promptly returned the call and I was told it was a debt of {$98.00} from XXXX XXXX XXXX XXXX   After some back and forth with the the debt collector, XXXX XXXX, I was connected with XXXX, a manager. I requested written proof of the debt and was denied. He claimed that I had already acknowledged the debt, which is false, and that payment needed to be made immediately. XXXX used threatening tactics and, unprompted, began to read through a list of my personal information which I assume had been provided by XXXX XXXX. Feeling threatened, I hung up and called back to XXXX 's direct line. 

XXXX put me in contact with XXXX XXXX during the second call. I again requested written proof to be sent to my current address. She denied that request and told me that had until the next day to pay the debt or it be sent to the credit agencies. I was told by XXXX XXXX that a collection letter had already been sent to my address on file, and that the company had therefore fulfilled their obligation to provide written proof. When I asked for her to provide the address that they had on file, she provided the address of the apartment that I had moved out of at XXXX XXXX. When I told her that was an invalid address and that I had provided XXXX XXXX  with the correct forwarding address upon move-out ( part of my official move-out paperwork at the end of my lease ) she accused me of not correctly providing the information to XXXX XXXX management. When I offered to provide my current address so that the collection company could send me the written proof of the debt, XXXX XXXX refused to take the information, again stating that they had already fulfilled their obligation. I never acknowledged the debt was mine but XXXX XXXX told me that just the fact I was continuing to have this conversation was acknowledgement in itself then threatened to mark me as " refusal to pay '' and send my info to credit agencies. 

Additionally, during the first call, without asking him to, XXXX XXXX read out aloud my social security number in an attempt to prove that he was a legitimate debt collector. When I still insisted upon receiving written proof of the debt, he said that the fact that he had my social security number should be sufficient proof, and that he had enough of my personal information that he could " open a credit card in [ my ] name and do a lot worse than {$98.00} ''.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried on several occasions to get XXXX  and XXXX to correct my birthdate, but it still hasn't been corrected! Transunion I'd reporting it correctly. My birthday is XX/XX/XXXX. 

Also. XXXX XXXX continues to report my account as a charge off and past due 120 days, but it has been paid in full.

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 2023-05-02
Company: MoneyLion Inc.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
MoneyLion Credit Builder plus loan. I paid MoneyLion {$20.00} a month to access their credit builder plus loan so I can repair my credit. They wouldnt let me cancel unless I paid off the loan which is basically like Im paying myself. I uploaded two bank accounts, and they charged the one with no money in it. I called to fix the issues and get the payment deferred to the end of the loan, the customer service person said yes everything will be fine it wont reflect as a missed payment. ( On recorded line ) This was for XXXX end of month payment. Furthermore I paid the payment for XXXX. Then come XXXX end of month I look at my account and its been put in collections because I missed a payment. They didnt communicate or try to reach out to me about this. I called them again to fix these issues and the lady said that a high level representative would reach out to me within 24 hours. Still havent got a call and they want me to pay them {$10.00} to close out the loan? I feel like the just screwed me over and took my {$100.00} in membership fees and they {$89.00} I was paying monthly for the credit builder loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I lead a nonprofit group and we mailed a check to a specific volunteer ( through XXXX XXXX ). Someone intercepted that check somewhere between it being printed and before it was delivered to the intended recipient, and it was deposited in a different person 's bank account with no signature. 

Chase should never have accepted that check deposit and our account should not have been charged, as it was clearly stolen and fraudulently deposited. I have the check back photographs clearly showing other checks we have sent to this volunteer that were correctly deposited and this fraudulent deposit looking completely different.

Chase seems to think that somehow fraud regulations don't apply to XXXX XXXX, which is patently untrue. I have spoken with them multiple times and they refuse to do anything, so I am hoping you can help hold them accountable to their own policies and federal regulations. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I recently found two collection accounts and a auto loan that i am not familiar with and was open without my knowledge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would like for these accounts to be removed asap.

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 2023-06-15
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 requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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 information incorrect

Complaint:
I've been disputing this account for over a year regarding inaccurate and inconsistencies on my credit report causing my scores to drop. I need to know who currently has this debt.

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 2023-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of American called me about suspicious transactions on my statement in XXXX. There were 6 or 7same day in a row from XXXX, {$58.00} at an atm, $ XXXXWhen I saw one 2 days ago for {$58.00} XXXX XXXX I had to close my Bank of America account 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 monetary relief
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-17
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
American Express has Charged off this account and is still reporting on my Consumer report. American Express has also filed a 1099c on this account. PLEASE SEND ACOPY OF MY 1099C. 

If this mater is not resolved in 14 days I will follow suit with further proceedings respectfully

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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