BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2021-12-23
Company: EQUIFAX, 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 XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Also, I would like to request your verification of the aforementioned item. If you can not prove the account information to be 100 % precise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 report act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account with out my written instructions under 15 uscs 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 2022-10-15
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2019 My loan transferred from XXXX to NewRez then later to Shellpoint. XXXX reported negative escrow and NewRez/Shellpoint continues to take fees that are undisclosed named OTHER out of my escrow and I pay my payments well over the taxes that are to be paid from my escrow yet there is never ever enough money to cover my XXXX annual taxes. I call repeatedly and rarely get a response, each rep has a different name for the ( other fees ). I have written notifications and rarely get a response. I have even asked for my escrow account to be removed since I have well over 20 % equity and always paid my taxes until XXXX changed it. However I am told I can not remove escrow. Calculations never match mathematically. EVERY SINGLE YEAR. The math does not add up. They do nothing to fix it. Always say I am short in escrow. ROBBERY ALSO always ask for condo insurance over and over and I provide it over and over and over and they still take money from escrow. Once they credit money back it is never the amount to bring escrow to the balance needed for my little {$450.00} property tax payment. I pay XXXX to escrow times 12 months is more than enough for my property tax. YET it is always short every single year by hundreds of dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00}, XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2023-05-16
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 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 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 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 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX. Re : Account Number : XXXX Original Creditor : XXXX XXXX XXXX To whom it may concern, XXXX XXXX XXXX XXXX a subsidiary of XXXX XXXX has had 728 XXXX XXXX XXXX Complaints in the last 3 years and 36 complaints filed with the CFPB recently. Errors are being made and it is defamation against me which is costing my family money and making me XXXX ; my families blood is on their hands and they don't care because I'm just a poor XXXX man. I'm not XXXX  though and I will save to fight this in court. On multiple occasions I requested proof of this debt with from Transunion. Absent such proof, they must terminate this from my report, and correct any erroneous reports of this debt as mine IMMEDIATELY. Their continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from my credit report ITS SO SIMPLE AND SEEMS " FAIR '' AND CORRECT!!! This is a request for the REMOVAL OF THIS ACCOUNT FROM MY REPORT! I have copied the XXXX XXXX XXXX, FTC & Attorney General of Washington and the CFPB. I will be taking legal action against Transunion if this erroneous item is not removed from my report. Sincerely, 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 2023-04-07
Company: Bread Financial Holdings, Inc.
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
I received an unsolicited credit card from Comenity Bank. I didn't want the card so I never called to activate it. Several weeks later I received a statement from Comenity Bank showing I owed more than {$30.00} in streaming charges from somewhere in XXXX. For the record, I live in Colorado and haven't left the state in more than four years. I called the bank repeatedly to report fraud but was always connected to someone who didn't speak intelligible English. I also sent a letter and an email to the company but received no response. I finally got the account closed on XX/XX/2023, but the fraudulent charges were not removed. Now I have incurred late charges and the balance due is {$100.00}. Please help me get this resolved. I'm semi-retired and do not have the resources to pay for some strangers ' hotel XXXX ( if that's what it was ). 

Card number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-22
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX i intiated a money transfer using my XXXX XXXX checking account going to my venmo account i. The amoint of {$500.00}. It was supposed to go into my venmo account on XX/XX/XXXX got a confirmation from XXXX XXXX stating that the funds already went out on XX/XX/XXXX and showed on my XXXX  account. According to venmo they havent recieved the funds and that XXXX declined the payment. Now it clearly shows on my XXXX bank statement - {$500.00}. I called both merchant and they are both telling me two different stories saying it went thru and the other saying it did not and i cant tell who is telling the truth but theres obviously something going on because these picture tells it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: U.S. BANCORP
State: IL
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:
On XX/XX/2022 I had {$920.00} & XX/XX/XXXX. XXXX  {$240.00} withdrawn from my checking account without my consent! It caused overdraft fees of {$250.00}. I called US Bank immediately to report what I thought was fraud. I spent XXXX hours on XXXX XXXX and spoke to XXXX departments. Today XXXX, XXXX I spent XXXX hours and spoke to XXXX people! US Bank acknowledged they took the funds and claim its for a old charged off line of credit but I never had a line or credit! I cant get proof from them because nobody is 100 % sure. In the meantime it has now bounced my car payment and left me in a negative account balance and I need money! This is fraud in my eyes!!!! Help please!

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 2021-08-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Friday XX/XX/XXXX I was offered to do a job for someone that would start Monday XXXX XXXX. I was paid XXXX to do the job, and would be paid by check that I would deposit through my mobile banking app. When I received the check it was for XXXX and was asked to send XXXX to an orphanage through XXXX XXXX. I thought it was fine as everything looked legitimate to my knowledge and Im all for supporting orphanages. I deposited the check and kept XXXX for my pay and sent the remaining XXXX through XXXX XXXX. The next day I was sent another heck for XXXX which I deposited XXXX for my pay and sent XXXX to the orphanage again. However the next day I noticed my bank Wells Fargo had put a hold on the check and that my account was overdrawn. This has never happened to me before so I immediately called my bank to inquire about the check and as told why it was being held. The phone teller let me know that it was being held due to verification reasons. At that point I began questioning if I had been scammed. I contacted the person who sent me the check and they asked for my social security info and Id numbers, which after I know I had been scammed, and that they was not likely any orphanage. I called Wells Fargo on XX/XX/XXXX and XXXX of 2021 and reported the incident aswell as to file a claim for the reimbursement of the XXXX I had sent through XXXX XXXX. Several days have passed and on XXXX XXXX I called to check on my claim and when I got off the phone they said they would call me with any further questions. Then later that day I received an email saying that my claim was completed however I received no reimbursement as of late. I am a young adult who never experienced something like this, I have been a loyal Wells Fargo customer since I was a teen, and the way this was handled did not reflect that.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 2023-01-19
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX Original 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 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 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My mortgage was in forbearance. The loan was current. Before the forbearance was to end, I ended up with a new job in a different state. I sold the residence and paid the mortgage in full, XX/XX/2021. Forbearance was to end XX/XX/2021 ( first payment due ). They reported balance of {$0.00} but did not notate payment for XX/XX/2021. BUT the put on mortgage was 120 days late. I tried to call but their system says I don't have account and I can not talk with anyone. 
How can they say I am 120 days late? 
How can they say balance is paid in full yet record no payment? This cost me 90 points on my credit report and may cause me to lose my next mortgage for a new house.

This company has been horrible to work with from the time they bought my loan and now is just horrible.

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 2021-12-22
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citibank had a special, bring over certain increments of money and receive a bonus. I opened an account and brought over {$50000.00} and was to receive {$700.00} after 90 days. I did my part and never received my {$700.00}. The money was due no later than XX/XX/XXXX according to the rep I spoke with. I started a phone investigation with them and I went into the XXXX XXXX Citibank branch and the branch manager started an investigation as well. Both the manager and the phone rep assured me we had opened the proper account and deposited $ XXXX in a timely manner and I should receive the money. I still do not have the {$700.00}. I have since taken out the $ XXXX ( that was in XXXX ) because I don't want to bank with them and left about {$27.00} in the account just to keep it open until I get this resolved. I have called several times to get to the bottom of this only to be disconnected after XXXX minutes.

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 2023-04-16
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: Information belongs to someone else

Complaint:
On XX/XX/2022 a credit card account XXXX  XXXX XXXX was opened fraudulent under my name and the bank as well as the credit report agencies Transunion, XXXX and XXXX are falsely and and innacurately reporting such account as mine. Ive submitted a dispute to the mentioned credit bureaus and the bank under FCRA law with no answer and that false reporting is dammaging my credit report. 
The XXXX XXXX XXXX, already responded my claim and closed the account without perjudice to my report but the XXXX, Transunion and XXXX are still reporting the alleged account under my name, damaging my report and credit score by reporting an account that IS NOT MINE as the XXXX XXXX  already admitted.

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 2022-10-06
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 information incorrect

Complaint:
This complaint is in regard to TRANSUNION not meeting the requirements for having reasonable procedures that is necessary for meeting the everyday needs of commerce, specifically in its initial investigation of furnisher information on consumer reports. TRANSUNION has allowed the furnishing of inaccurate, unfair, and unequitable information on my consumer report which is not in accordance with the requirements of title 15 U.S. Code 1681.

It is a fact, and as defined in the Gramm-Leach-Bliley Act, a financial institution that extends credit and regularly reports negative information about customers to a nationwide CRA, must notify customers that they report such information. Example of negative information include a customers delinquencies, late payments, insolvency or any form of default. 
XXXX XXXX, a financial institution never gave me any notice that they intended to furnish this account on my consumer report. What is worse is that they furnished negative inaccurate information on my consumer report without prior notice. XXXX XXXX knowingly reported false information by being reckless in their reporting. Any natural person who looks at this account on my consumer report can see that XXXX XXXX is just furnishing information on my report recklessly. How does one have {$0.00} past due payments for several month to owing {$3100.00} the next month? See Exhibit A, attached. How is the high balance the same from XXXX to XXXX, when there were payments? See Exhibit B, attached. This is the reason I am holding TRANSUNION liable because they dont have any procedures in place to prevent this adverse information from being furnished this way on my account in the first place.

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 2023-03-26
Company: Experian Information Solutions 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:
In accordance with " The Fair Credit Reporting Act XXXX  '', XXXX  XXXX Bankruptcy reference number 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.

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