BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least XXXX XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported.

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 2022-08-17
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Creditor- XXXX XXXX has been reporting inaccurate information on my credit report Specifically the account from 2018 with several late payments, the late payments are inaccurate and I would like the consumer reporting companies to either update to on time or remove the account completely, as a consumer I have the right opt out of my information being reported Under the fair credit reporting act 15 USC 1681a 2 specifically under the exclusions it says that a consumer transactions and experiences are not to be reported on the consumer report I want to exercise my right either have all late payments from from XXXX XXXX  in 2018 or update account to on time. Account is reporting inaccurate information XXXX  said that late payments were verified but then changed the information, if information was verified and accurate why was information different on update? Please correct this issue

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 2021-08-16
Company: AMERICAN EXPRESS COMPANY
State: GA
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/21 an individual created two ( 2 ) American Express Company ACH withdrawals in the amount of {$5000.00} and {$15000.00} using my XXXX XXXX routing number and bank account number and made payment though this arrangement to XXXX XXXX XXXX. Neither entity, American Express Company, XXXX XXXX and XXXX XXXX are accepting responsibility or culpability for their role in this fraudulent scheme..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-03-24
Company: HW Holding, Inc
State: MD
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:
Hunter Warfield has inaccuracies in the acct balance owed and the dates that the account was reported as well as the dates the account was last active. one credit report has the balance listed as {$1000.00} and the other two has it listed as {$1000.00} I can't owe two different amounts. It's reported as being opened on XX/XX/2020 and XX/XX/2020 which isn't possible. The debt was sold to Hunter Harfield and I no longer owe it.

15 us.code 1681e ( b ) Accuracy of report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 i sent dispute letters to all 3 credit bureaus disclosing wrong inaccurate information on my credit report. It has been more than 30 days and the companies have yet to respond to me or correct the incorrect data on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: TX
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX account needs to be removed/deleted it was removed and deleted on all other credit bureas this needs to be investigated and removed if there is no response of updated from the company who filedthe collection not the collection agency.

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 2023-03-11
Company: Experian Information Solutions Inc.
State: GA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$62000.00} XXXX  XXXX XXXX XXXX  : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  : {$890.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX  : {$350.00} XXXX XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OF XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 2022-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Capital One offered overdraft protection on checking accounts. They stopped the program and transitioned balances to loans. They continue to charge interest and debit my account but have offered no way to pay the loan. Ive spent hours on the phone. One person said they would arrange a transfer, nothing happened. I paid through their bill pay, sending the check to capital one loan dept. They cashed the check and did not credit my loan. So now they have stolen a year of interest on {$3000.00} and then stolen the actual {$3000.00}. They will not refund the money because they say the check was cashed. But it was cashed by them? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Accounts that's closed or negative ratings- Lane Bryant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPolice Report #

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/, letting them know I am a victim of identity theft and that an account was opened in my name. I went on to ask them to validate the account and remove it if they couldn't. 

I sent the second letter to them on XX/XX/, letting them know that I know they have 30 days to verify the disputed account and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. This included a police report on the identity theft. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I sent the 4th letter on XX/XX/, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. This also included a police report on the identity theft. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2020-05-05
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A tree fell on my roof and the snow melted leaving my bedroom filled with black mold. When the maintenance removed the branches they broke my window. My attorney reached out no response for months. I moved.They kept my XXXX deposit and charged me XXXX. Therefore, I filed a civil lawsuit and I am prepared to ask for the maximum amount for damages. This is on my credit but there is no judgment from the court. This is an open case in XXXX County Magistrate Court naming XXXX XXXX XXXX as the defendant. You cant put this on my credit before the judge makes a ruling that I owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
With great pain, I say that I have been XXXX scammed using Paypal 's platform. I learned the hard way that due to gaps in Paypal 's policies, scammers have a free run. Let me share my story with you. 

I was a newbie investor and signed up for a service that promised better returns. Initially, I had some gains and mostly losses. I continued to follow his investment alerts but started making losses. When I confronted him about the loss, he suggested that I join his private club where my principal/capital will be safe and make 2x-5x returns in a single day and I would get such an alert once a month. 

After a lot of discussions and assurances, I signed up for his private club through Paypal by paying {$50000.00} ( Scammer asked me to make payment only through Paypal ). 

I received my sure shot 100 % signal in XXXX and invested {$75000.00} based on his alert and lost {$67000.00}. When I reached him for compensation as per the agreement, he asked me to arrange for capital again and this time I would receive a stock alert that would recoup all my losses and named it as " core signal '', which happens only once a year last time someone made XXXX %. 

I felt all his words to be fishy and reached out to Paypal for help as he wasn't ready to refund the money that I paid. I provided Paypal with all the relevant screenshots of our chat conversations. Paypal upon investigation enlightened me of their buyer protection policy that Financial investments wouldn't be covered and then I understood the reason for the scammer insisting on only using PayPal 's platform. 

Upon further conversations with friends and other family members, I was told that this is a complex XXXX  scheme and reviewed the SEC 's XXXX Scheme 's red flags. I reached out to Paypal and appealed that this is a XXXX scam and PayPal 's AUP policy doesn't allow such XXXX scams or " Get Rich Schemes '' on their platform with proof. Sadly, PayPal denied the case stating their policy yet not doing anything. I reached out to the merchant aka XXXX Based Scammer but no response either from their customer care or financial analyst. 

For Scammer offering Financial Products on PayPal Platform is a paradise as gaps between Buyer Protection Policy and PayPal 's AUP gaps leave buyers like in me limbo. All I request CFPB is to stop the scammer from getting my hard earned money as I have not only lost {$67000.00} but will lose additional {$50000.00} and will lose the faith on the financial institution and bodies governing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian refuses to correct my information. I have a XXXX credit card that they have listed as other account with no status information. I have put in a dispute twice and messaged them twice regarding this account, to no avail. I notified the bank that holds the card and have received a letter from them informing me that they last updated my accounts on XX/XX/2023. The other XXXX reporting agencies have this account in my credit report correctly. Without this information in my report, my XXXX XXXX can be affected incorrectly.

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 2023-07-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased this house with maximum financing at 95 % LTV. I then sold my previous house and used the proceeds from purchase of previous house to paydown/modify the initial loan amount for my new purchase. Wells Fargo then paid down the balance and modified my monthly payment but continued to charge me for the monthly mortgage insurance payment after I requested for them to cancel the monthly XXXX XXXX mortgage payment for the initial loan balance that was used to purchase the house after I paid down the mortgage balance owed being well below the 78 % LTV making the modification. After selling my previous residence, i modified my previous loan balance to under 78 % LTV and requested my monthly mortgage insurance to be canceled. Wells has charged me monthly mortgage insurance payments since i requested for it to be canceled since the modification payment was made. When I paid down the loan amount to below 78 % ltv, I requested the monthly mortgage insurance to be canceled. I recently noticed Wells has been charging me for monthly mortgage insurance since paying down the balance to below 78 % LTV and I have tried requesting a refund from wells but they stated in a US mail correspondence that I did not request the mortgage insurance to be cancelled and they do not owe me a refund. This is ridiculous. I have XXXX  years in mortgage banking experience and requested the the monthly XXXXXXXX XXXX XXXXXXXX to be cancelled when I paid down the balance. They owe me for the excessive PMI payments, I have record of my monthly MI payments yet Wells says I did not request the monthly PMI to be dropped when I I went below 78 % LTV but I did request for the monthly PMI payments to be dropped, they just never did. It took  XXXX years to learn they did not drop the monthly PMI payments, when I noticed and brought it up to Wells, they said I did not request for the PMI payments to cancelled when I paid down the balance but I did request for it to be dropped. I am a mortgage professional that had to close down a family owned mortgage company due to XXXX restrictions and not knowing if a bank could buy the loans we were selling. I feel Wells Fargo is not providing the fiduciary responsibility they owe me as a loan servicer. My calculation, they owe me roughly {$1800.00} in excessive monthly mortgage insurance payments that were not needed. Please contact me at XXXX and leave a message if you have any questions about this request for refund from wells as I have tried to talk to someone from wells twice but all they do is mail a response even after requesting for a call and voicemail from someone that can provide answers to the questions I have. 

Thank You, XXXX XXXX XXXX XXXX aka 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 monetary relief