BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-10
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Wells Fargo. Through an affiliated entity they have forced placed insure on my property, where insurance already existed. Unusually onerous is that they're attempting to do it in an arrears type manner. like insure now ( and a crazy price for the policy ) for a period of time in history where there were no losses ( and again, another insurance company would have faced any loss ). This can't be a legit strategy, and I suspect a whole lot of people who are completely living up to the terms of the mortgage by holding insurance become so scared through their dealings with these entities that they cough up and pay. The CFPB needs to put an end to this practice.

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 2021-03-25
Company: Early Warning Services, LLC
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:
There is a fraudulent bank account that is reporting on my EWS and XXXX XXXXeports. I have viewed my reports and I have never opened this fraudulent account. This account has destroyed my ability to create relationships with new banks and is hurting me in ways unimaginable. It is extremely unfair that I have to deal with this when the fault is not my own. As a consumer reporting agency, you too fall under the laws of the Fair Credit Reporting Act. I am enacting my consumer rights by disputing this fraudulent information. According to section 605 B of the Fair credit reporting act, this account must be removed from my consumer report immediately. Failure to comply will be seen as an illegal act under FEDERAL LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am submitting this as a follow up complaint against Transunion. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the entitlement to accurate and current credit information, and I anticipate that my rights will be upheld. I have already made numerous attempts to have these inquiries removed over the past few months, but they persist on my credit file. Once more, I kindly request the immediate removal of the following inquiries from my Transunion credit reports. 

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action. Please follow the law so that this matter can be resolved as soon as possible. 

This inquiry was not authorized XXXX XXXX XXXX XXXX ( XXXX XXXX ) Date of inquiry : XX/XX/2022 - Please remove it from my credit report. This inquiry was not authorized XXXX XXXX XXXX XXXX ( XXXX XXXX ) Date of inquiry : XX/XX/2022 - Please remove it from my credit report. This inquiry was not authorized XXXX XXXX XXXX XXXX ( XXXX XXXX ) Date of inquiry : XX/XX/2022 - Please remove it 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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 # 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 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 Fair Debt Collection Practices Act - 807. False or misleading representations

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 2022-10-05
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello I have filed this complaint before but no response .I have been calling XXXX XXXX XXXX for over two weeks now and not one person has been able to help they just connect me to different people. A few times they even acknowledge there an issue on the report but say we dont have access and cant do anything. Nobody has access to correct a report which is inaccurate Who Can help? I am in a bad situation here because of this report.XXXX  claims account was closed due to fraud which is inaccurate it was closed because of a negative balance and i paid it off in full why are reporting it as fraud? As a consumer you are diminishing my rights and causing me many issues Resolve this right away This is not right I have filed a complain before. Been contacting XXXX  XXXX XXXX for over two weeks. As explained to them I was overseas for a one month trip but unfortunately due to XXXX returned after 3 months. Called XXXX XXXXXXXX XXXX and they notified me my balance was negative ( {$280.00} ) .I paid off the amount in full and confirmed with the banker on a recorded line that all is good, nothing on file and nothing will be reported, which the banker confirmed and even told me he can connect me to another person and open a bank account. At the time I did not need one and moved on.3 weeks ago I tried to open an account and was told there is a report on XXXX XXXX .I requested the report and in it XXXX XXXX XXXX has put a remark that this account was charged off and due to fraudulent activity it was closed. Called XXXX XXXX XXXXXXXX over 10 times, they just connect me to different departments and in some cases i have dealt with very rude and unprofessional people specifically there fraud prevention team. The fraud team tell me I have balance due which I absolutely do not and on the file attached I even got verification from XXXX XXXX XXXX. The collections team says your balance is XXXX but the fraud team has to remove the report from XXXX XXXX. Again the fraud team simply says no and you have to wait for XXXX  years for it to be automatically removed. ( What are they thinking ) I am professional who works in the XXXX XXXX XXXX and my salary is in the mid XXXX digits why would I commit fraud for {$280.00} WHY? Then they tell me I must sent proof, Proof of what? That I didn't commit fraud? You are accusing me of that you send me proof? This is my last follow up I have consulted my lawyer and will follow up with a lawsuit by next month if not resolved. Currently I can not open a business account due to this issue and loosing money and its nota small amount Please follow up right away and remove all reports from XXXX XXXX or anywhere else you are reporting this inaccurate information LETTER ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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. 

These inaccuracies are keeping me from obtaining new credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: I.C. System, Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed a dispute against I C Systems with all XXXX and XXXX on XX/XX/XXXX The collection was assigned on XX/XX/XXXX in the amount {$1300.00}. Via a disupute investagtion for incorrect information being reported the collection was removed from the both XXXX and XXXX. I attempted to submit a dispute on XXXX online but was unsucessful. I contacted XXXX via phone on XX/XX/XXXX and recieved my dispute letter on XX/XX/XXXX. XXXX failed to remove the incorrect account information from my credit report dispite providing proff of the account beinf delted from both XXXX and XXXX. This is unfair reporting and has caused a negative imapct on my ability to purchase a home due to high interest rates, low credit score and derrogetory account history. Please delete account.

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 2021-01-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Back in XXXX of 2020 I filed disputes with all 3 credit bureau. As of today I have yet to received anything from any of them. Can you please tell WHY?. The law is 30 days and it been 4 months. I am confuse as to how it can take so long to send results. I have attached proof of the first disputes I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
MOHELA 's poor managing of student loans is cause emotional distress and possible irreversible damage to future credit. 

On XX/XX/XXXX - I submitted IDR application for both lender XXXX and MOHELA. I also sent MOHELA a message on XX/XX/XXXX due to concerns about the XXXX being reviewed before my due date of XX/XX/XXXX. 

XX/XX/XXXX - XXXX emailed to notify that my application was received and approved. At this point I have not heard anything from MOHELA. 

ON XX/XX/XXXX MOHELA finally responded to the email I sent on XX/XX/XXXX and instructed me to submit an XXXX via Studentloan.gov. I panicked because I thought I submitted the application appropriately on XX/XX/XXXX. 

On XX/XX/XXXX at XXXX - I called MOHELA 's customer service number and chose the prompt to receive a call back once it was my turn in the cue because it was a XXXX wait. I never received a call back at all! 

On XX/XX/XXXX at XXXX - I called MOHELA and chose the call back when it's my turn in the cue ( wait time was XXXX mins ). 

XX/XX/XXXX at XXXX - I called MOHELA and stayed on the line while driving to work. After XXXX mins I decided to hang up due to work obligations. 

XX/XX/XXXX at XXXX - I called MOHELA and after XXXX they hung up on me. 

XX/XX/XXXX at XXXX - I called MOHELA and waited a total of XXXX hours and XXXX to be helped. An hour and a half into this call I was able to speak to XXXX ( MOHELA rep ) for 5 mins who stated " we just received the approved XXXX today but won't reflect until next month ) '' and then transferred me to another " agent '' to discuss possibly retroacting the new amount {$37.00} ( original amount due = {$1500.00} ). I explained that I could not pay that amount and would cause financial distress. I explained the above time lines to them and asked why XXXX was able to receive my IDR app so soon and they weren't? They responded that XXXX does not have as many accounts as they do and which is why it took so long to process my IDR. I asked if I could get an extension on the {$1500.00} amount and was informed by MOHELA that if I did not pay the {$1500.00} in full within 60 days then my account would be sent to collections. I asked for 90 days and she stated, " it's a federal loan regulation '' and declined to assist with an extension. 

The delayed response time to process the XXXX application, long customer wait times, and poor solution focused approach to assist people in financial distress is disheartening. " If you don't pay {$1500.00} in full we can't help you. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : 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 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 non-monetary relief
Consumer complaint received 2021-01-12
Company: Experian Information Solutions Inc.
State: NC
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:
A car loan was taken out in my name some one was and still could possibly be using my identity to obtain goods or services, if filed a police report also reached out to the credit bureaus and still no result

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: FC HoldCo LLC
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have not recieved any verification that this was of my doing. I did not authorize these inquires nor signed documentation to have credit report pulled and it has been over 90 days. laws in 15 USC 1692 have been violated by the company 's actions and i request you to remove these hard inquires from all bureaus immediately.

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 2021-01-12
Company: EQUIFAX, INC.
State: NC
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:
A car loan was taken out in my name some one was and still could possibly be using my identity to obtain goods or services, if filed a police report also reached out to the credit bureaus and still no result

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX of XXXX Reporting of 30-Day Late Payment Account Number : XXXX Dear XXXX XXXX XXXX, I am writing to formally dispute the inaccurate reporting on my credit history regarding a 30-day late payment that occurred in XX/XX/XXXX. This discrepancy exists due to my COVID-19-related circumstances during that time. 

As per the CARES Act, which was enacted to provide economic relief to individuals affected by the COVID-19 pandemic, it is explicitly required that lenders report accounts as current if the late payment was a direct result of hardships caused by the COVID-19 virus. I would like to affirm that the 30-day late payment in XX/XX/XXXX was a direct consequence of my contraction of XXXX. 

Under Section 4021 of the CARES Act ( 15 U.S.C. 1681n ), it is illegal for a lender to inaccurately report information regarding a consumer 's account, especially when the reporting is deceptive and noncompliant with the law. Failure to rectify this inaccurate reporting may lead to legal action on my part. 

I kindly request that XXXX XXXX XXXX  take immediate action to correct the inaccurate reporting on my account by removing the 30-day late payment notation for XX/XX/XXXX. This action is essential to ensure the accuracy of my credit report and prevent any unwarranted harm to my creditworthiness. 

If XXXX XXXX XXXX  fails to correct this issue within 30 days of receiving this letter, I will have no choice but to pursue legal action for false reporting, deceptive practices, and civil liability under 15 U.S.C. 1681n. I sincerely hope it does not come to that, and I trust that XXXX will take this matter seriously and act in accordance with federal law. 
I appreciate your prompt attention to this matter and request written confirmation of the resolution once the inaccurate reporting has been corrected. 

I have also sent this letter to the Federal Trade Commission, California Department of Financial and Professional Regulation, Office of the Attorney General, Department of Banking and Finance, Office of Thrift Supervision, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Advocates for Fair Credit Reporting, Consumer Financial Protection Bureau XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: AMERICAN EXPRESS COMPANY
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:
On the morning of XX/XX/XXXX - I logged onto my bank account app and noticed that {$500.00} was missing from my account and money had been sent to a XXXX XXXX and it says it on the transaction which is transaction # XXXX. This was done on My Serve American Express card that I have had for several years now. I contacted the card company and they had already put a lock on my account because they noticed fraudulent activity. I went down to my local bank to pull the remainder of the money out just to make sure that was not stolen from me so the customer service department at Serve had to unlock the account long enough for me to get my money out. Then they locked the account back up. I also filed a dispute at the same time over the phone. I was told it would take 10 business days for me to get an answer/resolution. I checked my email on the 10th day and it said my dispute had been declined. So I contacted Serve again asking for an answer. I was informed at that time that I needed to submit a dispute form and email or mail it to them. I did so immediately. I waited again 10 business days and then received an email on the 6th day declining the dispute yet again! As soon as I noticed that it had been declined I contacted Serve again and re-opened the dispute. Then yet again on the 2nd or 3rd day this time dispute was declined again. I contacted serve again and filed another dispute on XX/XX/XXXX. Just looked at my emails from yesterday and the dispute was declined again. I contacted them this morning XX/XX/XXXX and filed another dispute. I have filed a police report with XXXX Police Department XXXX # XXXX.

Company response to consumer: Closed with explanation