BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: AMA Advisors, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
It has come to my attention that my Federal rights and protections have been trespassed upon and violated by Homebridge Financial Services Inc. In XXXX of 2023 I, XXXX XXXX wanted to purchase a new home so I extended my credit by placing my Social Security number on a credit application provided by Homebridge Financial Services. After doing so, the application has now become a financial asset and negotiable instrument due to my security interest in the document. My loan officer XXXX XXXX notified me a few days later that I was denied my home because my credit history was too thin. I explained to XXXX XXXX that the decision appears to be discriminatory and the Equal Credit Opportunity Act provides federal protection from such discrimination. XXXX XXXX told me to fix my credit and then I can buy a home. I felt a nauseous feeling like I was sick because my children need a new home. Im asking the CFPB to report this discrimination and defamation of character committed by Homebridge Financial Services Inc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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: Their investigation did not fix an error on your report

Complaint:
Pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

There are inaccurate items on my credit report in the attached dispute. The consumer reporting agency violated federal law due to not deleting the inaccurate items in my attached dispute letter. The accounts below are inaccurately being reported on my credit report. Please reference the dispute letter. Dispute letter was also mailed to Experian on XX/XX/22 under USPS tracking # XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} xxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX XXXX  with a balance of {$3000.00} XXXXXXXX XXXX with a balance of {$1100.00}

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 2020-01-30
Company: Portfolio America Asset Management, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX they were sent a letter by certified mail asking for 2nd request of varication of debt to which they have not responded to as of yet. On XX/XX/XXXX they were sent a certified letter stating how to contact me and have ignored to date of this complaint.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 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 2018-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried to get my free annual credit report from Transunion twice, I have sent proper requirements first time I sent a copy of my ID with old address on it and social security card on XX/XX/2018 In responds Transunion stated they need a utility bill with my current address that was current so I sent that to them, they respond back with letter stating that that was not acceptable proof how is that when that was one of the requirements, so I updated my ID with my current address and resent a copy of my updated ID, social security card, and a utility bill XX/XX/2018, they responds back XX/XX/2018 that the documents are not illegible, I'm at a loss I need my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions 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:
XXXX XXXX collection agency for XXXX XXXXXXXX erroneously placed a collection account of {$510.00} for Con XXXX Account XXXX on my XXXX credit reports ( XXXX, Experian, and XXXX ) as per XXXX XXXX letter dated XX/XX/XXXX. 

Conversely, on XX/XX/XXXX XXXX sent me notification stating that final balance of {$510.00} for XXXX XXXX Account XXXX have been TRANSFERRED to my current XXXX account. {$510.00} for XXXX XXXXXXXX Account XXXX is on my current XXXX XXXXXXXX account. 

This XXXX XXXX collection agency account must therefore be REMOVED from my XXXX credit reports ( XXXX, Experian, and 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 2023-08-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( 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, has violated my rights .

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 Section 2 : It also states 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$120.00} ; XXXX XXXX XX/XX/2020

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 2018-10-09
Company: AES/PHEAA
State: NV
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I WENT TO THE XXXX XXXX XXXX  WEB SITE AND ACCESS INFORMATION FROM 1988 FROM XXXX XXXX XXXX. I FOUND A LOT OF INACCURACIES AND FALSE REPORTING. FROM XXXX XXXX COLLEGE THIS COLLEGE FALSIFIED DOCUMENTS AND SHOWED ME ENROLLED AS A STUDENT FOR 2 YEARS AND GRADUATED. I ONLY ATTENDED THIS SCHOOL FOR ABOUT 2 WEEKS AND I DROPPED OUT DUE TO XXXX. APPARENTLY THEY GOT CHECKS IN MY NAME AND CASHED THEM. THIS IS NOT MY STUDENT LOAN. I SENT PROOF OF FRAUD BY THE SCHOOL THAT WAS GOING ON AT THE SAME TIME I WAS ENROLLED. PLEASE REVIEW THE DOCUMENTS I SUBMITTED AND I CAN SHOW PROOF THEY FALSIFIED MY STUDENT RECORDS AS LIST ME AS A GRADUATE. PLEASE REINVESTIGATE THOROUGHLY AND REMOVE FROM MY CREDIT FILE .XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: DISCOVER BANK
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This is so many of the above options I had to just pick the best ones. This is about a savings account with Discover and they abruptly closed my account with no explanation kept {$330.00} for several days then they sent a check which can not be cashed anywhere anywhere in town anywhere with any other bank anywhere with mobile, cant be cashed at XXXX, cant be cashed out a check cashers place. Ive had no money for XXXX days now because of them so they finally agreed after XXXX hours on the phone to wire it and then at the last minute they wont wire me my money they wont give me my {$330.00} and I have no money XXXX XXXX and I need XXXX XXXX. I almost ended up in the hospital last night because of this I couldnt get my medication. Plus, they had me void the check because they were supposed to send out the wire and now they will not send me out The wire This is very urgent!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
called wellsfargo XX/XX/XXXX about hardship result of XXXX XXXX shut down not able to meet normal monthly payments .. given cares mortgage suspension confirmation by representatives told no penalties late fees derogatory credit rating and suspension could be 3 months at time up to 1 year. additionally me accepting this suspension i would not be eligible got loan modification but call when ready to resume payment.. called as was told and was given suspensions of mortgage for several months 3 months at time.. called XX/XX/XXXX given XX/XX/XXXX-XX/XX/XXXXi told rep i expect to be able to start paying mortgage again in XXXX said i would be confirming in XX/XX/XXXX. called in XXXX inform rep n was told i was suppose to only get 1/3month suspension that owner of mortgage said no to the other months they had confirm and if i start to pay in XX/XX/XXXX it would go to my past due not be put to end as i was given, suspended payments were now due. got letter XX/XX/XXXX wellsfargo admit they did error giving me incorrect info but was standing by still my past due that was suspended was now all due. i was told during suspension that accepting suspensions i would not be eligible for loan modification if i wanted it should i not be able to start paying again. i told wellsfargo im ready as i had been informed by them to let them know, paid XX/XX/XXXX/XX/XX/XXXXXXXX mortgage but they arent accepting as current. wellsfargo deceived me as a customer lied to me about suspension of payments n putting it to the end with no paperwork needed or harm to my credit. im been so harassed by newly generated never seen documents theyre back dating as if they sent to me with information they never did deception in practice. I want wellsfargo to stand by what they in a letter to me admit and put the suspended payments to the end of loan as i was told over n over until i called to resume payments.

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 2023-03-06
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Citibank credit card and had a balance of {$21.00} for XX/XX/XXXX. I had {$1.00} in cash rewards at that time. My payment is for the XXXX of each month and I make/schedule payments days in advance. I redeemed the {$1.00} cash rewards online and Citibank 's system said that I had a balance of {$20.00} remaining, so I scheduled a payment for this balance. According to online transaction, the {$1.00} cash rewards was posted on XX/XX/XXXX and {$20.00} was posted on XXXX. On XX/XX/XXXX I used my Citibank credit card and was DECLINED for the purchase. I called Citi and found out that {$1.00} was the remaining balance. Furthermore, Citibank posted a late payment fee of {$21.00}. I paid in FULL on XXXX by using the {$1.00} cash rewards and {$20.00} from my other bank account all BY XXXX, YET, Citi claims thatI didn't pay {$1.00}, DEACTIVATED my credit card, and charged a late fee of {$21.00}. 

In my opinion, Citibank is practicing ILLEGAL and FRAUDULENT business practices through their financial systems : stating that I could use my cash rewards to my statement balance, stating that I had a " lower '' balance due after I cashed in my rewards XXXX CHARGING A LATE FEE when I did pay my balance in FULL, and DEACTIVATING my credit card for the {$1.00} that Citibank had stated was applied to my statement balance.

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 non-monetary relief
Consumer complaint received 2022-02-19
Company: EQUIFAX, INC.
State: OK
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 have submitted several complaints here and via certified mail. The investigation took more than 30 days and they refuse to remove the data. By law it is supposed to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: OK
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 have submitted several complaints here and via certified mail. The investigation took more than 30 days and they refuse to remove the data. By law it is supposed to be removed.

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 2022-03-01
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: Information belongs to someone else

Complaint:
There are inaccurate information that does not belong to me on my consumer report. All of the listed items are put on my consumer report without permissible purpose and or related to fraud. Attached will be the FTC report and police report that I have obtained by XXXX XXXX Police department.

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 2021-02-10
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I specifically deny that this alleged account/debt and/or account stated/implied and/or obligation is certainly mine, if this alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ). I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with HUNTER WARFIELD or any of its Affiliates nor have I ever engaged in any business with HUNTER WARFIELD in the past and this trespass against me is a result of identity theft. I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation upon my good name and has caused me injury for which I will seek redress, compensation and settlement. I specifically demand within 15 days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. I intend on seeking remedy for damages, equitable relief and just compensation for any and all violations of my consumer rights and any other rights not mentioned.

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