BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: PA
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:
Dear XXXX, I am writing to address the associated reporting to credit bureaus. I want to bring to your attention my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically : FCRA Sections : 15 U.S. Code 1681 ( b ) ( 2 ) 15 U.S. Code 1681 ( a ) ( 1 ) 15 U.S. Code 1682 ( C-2 ) 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( I ) FDCPA Sections : 15 U.S. Code 1692 ( d ) ( 2 ) 15 U.S. Code 1692 ( c ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( d ) ( 1 ) These sections collectively emphasize the importance of fair and accurate credit reporting and prohibit certain debt collection practices. 
I dispute the validity of the alleged debt, and it is my understanding that inaccurate information must not be furnished to credit reporting agencies. Additionally, I request that you cease all communication with me or any third parties regarding this matter, as outlined by the FDCPA. 
Furthermore, I insist that you promptly remove any negative information related to this disputed debt from my credit reports, in accordance with the FCRA. 
Failure to comply with these requests may result in legal action, as provided by both the FCRA and the FDCPA. 
I request that all correspondence regarding this matter be provided to me in writing, and I expect your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
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:
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 2023-09-07
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: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: Experian Information Solutions 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:
I  HAVE BEEN A VICTIM OF IDENTITY THEFT. I DATED A GUY YEARS AGO NAME XXXX XXXX, HE MADE ME BELIEVE THAT HE WAS IN LOVE WITH ME WHICH LED TO ME ALLOWING HIM TO COME TO MY HOUSE. I DIDN'T REALIZE THE TIMES HE WOULD COME TO MY HOME HE WOULD GO INTO THE FOLDER IN MY CLOSET WHICH CONTAINED ALL OF MY PERSONAL INFORMATION AND WOULD TAKE PHOTOS OF IT. ONE DAY, HE RANDOMLY VANISHED FROM MY LIFE AND I REALIZED THAT MY FOLDER WAS MISSING WHICH HAS MY PASSPORT, MY SOCIAL SECURITY CARD AND A TON OF CHILDHOOD PHOTOS. I HAD NO IDEA MY DOCUMENTS WERE MISSING UNTIL IT WAS TIME FOR ME TO USE MY PASSPORT TO BOOK A TRIP OUT OF THE COUNTRY. I CONTACTED HIM ASKING IF HE HAD SEEN IT AND HE MESSAGED ME BACK WITH A WINK FACE AND I NEVER HEARD FROM HIM AGAIN. SINCE THEN I'VE NOTICED A LOT OF NEW THINGS SHOW ON MY CREDIT. REMOVE AND BLOCK THIS FRAUD INFORMATION FROM MY CREDIT WITHIN THE NEXT 4 DAYS.


FRAUDULENT ADDRESS:

XXXX XXXX XXXX XXXX, CA XXXX

FRAUDULENT ACCOUNTS:

Account name
XXXX XXXX XXXX
Account number XXXX,
 
Account name XXXX XXXX XXXX
Account number
XXXX,
 
Account name
XXXX XXXX XXXX  Account numbeXXXX XXXX,
 
Account name
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, XXXX XXXX XXXX
 
Account number: XXXX, XXXX XXXX XXXX
 
Account number: XXXX,
 
 
XXXX XXXX XXXX
 
Account number: XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/23 I received a copy of my consumer report from Experian indicating that I had a new collection appear on my report. XXXX XXXX XXXX XXXX this account dropped my XXXX XXXX and I was confused to how such a thing could happen when in fact I have never owed any debt with this collection agency. I requested an immediate investigation in which I requested verification and validation of compliant reporting in the form of a notarized statement by someone with original knowledge of the debt, attesting that it was legally incurred, not used as a profit-loss tax deduction during the payable period, and not claimed as a loss with any insuring entity during the payable period. I request proof of any and all claims.

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 2022-12-30
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Repeating attempted to refinance with Wells and they turned me down. I think it occurred because I was a XXXX, XXXX XXXX I eventually tried with another company and I was approved immediately at a low interest rate. 

I think I was denied due to XXXX XXXX XXXX XXXX. I am not a male which I believe contributed to the multiple denials.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently found an account on my XXXX  credit report by a company named SYNCB/WALMART. I'm not sure why this account is on my credit profile. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I will include and attach my full explanation document to this 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 2022-03-04
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 with the Fair Credit Reporting act XXXX 's 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 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 2020-07-27
Company: Shellpoint Partners, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an escrow account for payment of my property taxes and homeowners insurance. My payments have been made timely and there is more than enough in the account to cover the disbursements needed. Property taxes were due XXXX. 

On XX/XX/XXXX I noticed that my property taxes had no been paid ... contacted via email and servicer confirmed they did not need any additional information and they would be paid by XXXX XX/XX/XXXX noticed funds still not dispersed from account so called servicer who confirmed no payments were made and no pending payments existed, asked me to send a copy of my tax bill to their email address and they would pay within 10 business days. 
XX/XX/XXXX - still no payment so called again ... was advised that it was marked to be completed that day XX/XX/XXXX - still no payment so called again and was told they would escalate the case XX/XX/XXXX - called again as there is still no payment made. Advised it is marked to be processed by end of month. 

Have been assured numerous time that it is being paid by x date and each time that date passes with no payment. I am not waiting any longer without filing a complaint as charges are accruing on a daily basis and liens are placed after 90 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Absolute Home Mortgage Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I started the loan application process in XX/XX/XXXX. I received a pre-approval for a certain amount. The process got delayed because one of the conditions for the new purchase was to sell my house, which it was done just recently on XX/XX/XXXX. within that period of time, the broker was adjusting my numbers and requested a Co-signer to accommodate my rates and down-payment, it was requested because I have a NY child support case. 
Near closing time, I found out that the monthly payments were calculated with property tax information that were not the actual taxes, but last year taxes ( XXXX ), Not even with the town adjusted taxes in the beginning of XXXX. In addition to it, i decided to walked away of this transaction because within the calculation for the monthly payment my father 's income was used for the monthly mortgage payment. And that would not be the case. 
I talked to the broker multiple times and asked him to adjust the values and make sure my monthly payments to be within my payment capabilities but I have hard time to ask them to do so. 
As part of the process and transaction, as I mentioned before, one of the provisions was to sell my house. The underwriter ask to have an escrow and retain my resources to proceed with my purchase ( I was closing and buying at the same time ). Now that the transaction is no longer viable. I am asking the lender through the broker to cancel this loan transaction, adjust the financial numbers to my payment capabilities and release my funds that are held in an escrow. 

1.- I have had not been able to have the loan application been cancel neither adjusted on my payment capabilities 2.- My funds ( from my sell ) are retained for one week and they have not been released At the end. I am feeling forced to proceed and my money is being used as leverage to try to close a deal that is not making sense on the financial side.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. 


XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX BANK Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. 


XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX BANK Account # 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 non-monetary relief
Consumer complaint received 2022-05-05
Company: ADP Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
While I was working at XXXX 's Restaurant, I was receiving my payments through a myWisely card. On the day of XX/XX/2022 and XX/XX/2022 money was taken from my account that I did not authorize. I use the myWisely app to verify the dates and according to the app the money from XX/XX/2022 was in the amount of {$620.00} and the location says XXXX  XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2022 {$610.00} was taken out of my account. The location for this unauthorized transaction says XXXX  XXXX XXXX XXXX XXXX XXXX. In total, {$1200.00} were the unauthorized transactions for those two dates. I contacted myWisely through a phone call on XX/XX/2022 soon as I could to dispute these transactions. They told me I would be sent a letter through the mail and gave me a case number. On XX/XX/2022 they emailed me a message saying that the investigation was finalized and they determined there was no error. Nonetheless, I received the letter they told me they would send and filled out the statement of fraud and sent them an email with this letter filled out and signed on XX/XX/2022. After sending this letter I received no response. I know for a fact this was a fraud on my account so I kept pressing the myWisely company by calling them. After that first call on XX/XX/2022 and sending them an email on XX/XX/2022, I called them another 3 times between XXXX and XXXX. The first time they told me they would send another letter so that I could dispute the transaction. I never received a letter and after 2-3 weeks I called them again and they told me they would send another letter. Again, I waited another 2-3 weeks and did not receive a letter. The last time I called them was on XX/XX/2022 and they told me the same thing. They said I would receive a letter in the mail and as of the day that I am writing this complaint on XX/XX/2022 I still have not received a letter. At this point it feels like this company is just straight up lying to me so they do not have to give me my money back. It is absolutely unacceptable I have called 3 different times, they tell me they are going to send a letter so I can dispute the transaction and they never send me a letter. At this point, I have run out of patience and it is the reason why I am writing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 U.S.C. 1681. 

DEPT OF EDXXXX XXXX Has violated my rights XXXX XXXX XXXX Has violated my rights US DEPT OF EDUCATION XXXX Has violated my rights US DEPT OF EDUCATION XXXX Has violated my rights XXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 Section 604 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 7 years. 15 U.S.C. 1681 s-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 2021-03-03
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/21 I applied to Citi for a new consumer credit card. Citi denied the card under fraudulent representations of fact. Citi pulled a consumer credit report and claimed to deny the application in full or in part based on the data provided. This however directly contradicts their own cited rational for the denial. Over 11 years ago, I did declare bankruptcy - a bankruptcy that Citi is using against me. Citi does not disclose or acknowledge that a bankruptcy will create a denial. This is exceptionally misleading as the credit bureau on which Citi relied could not report a bankruptcy as it was more than 10 years ago fully discharged. Citi also claimed that current accounts have a history of late payments - a claim factually repudiated by the very credit report on which Citi claims to have relied and show a perfect payment history. Further Citi cited a restricted credit priviledge on existing accounts ; such information is not part of the credit bureau record. 

Citi, pulled a credit report and claimed to rely on that data, but rather than truthfully use that data they relied solely on their own records to deny credit. These are terms which could and should have been readily disclosed in the application, there was no reason to pull a report when they intended to deny the application on internal data alone and reasons that could have easily been avoided by the applicant. 

Further, Citi provide and XXXX number for questions and assistance. The number for customer service and the number provided on the credit denial both resulted in numerous automated system hangups and no ability to reach a real person or obtain staffed service hours. The number provided is merely an automated system that will not connect to a person, hangs up on you when it is done reading the already sent letter verbatim. The is not customer service, it is the complete lack of service. 

Because I have another account with Citi, I was able to access the fraud department on XXXX, which connected to a real person. Connecting a real person in applications, remained a time consuming challenge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent multiple letters to the credit reporting agency and I have not received a valid response, and items still remain on 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 non-monetary relief
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Requesting to permanently opt out from the lists that CoreLogic provides to businesses that send firm offers of credit or insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: MI
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 Acct # 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 2023-07-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In the court of the FCRA these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS

Company response to consumer: Closed with non-monetary relief