BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$440.00}.

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 explanation
Consumer complaint received 2023-12-06
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an acccount. Deposited {$50.00}. Then was locked out and no one helped me. I still have no idea where or how to get my money. I got robbed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: NY
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: Didn't receive services that were advertised

Complaint:
In XXXX, I contacted XXXX XXXX XXXX XXXX  to see what options were available so that I would not have my house go into foreclosure. They failed to provide accurate information regarding workout options and foreclosure information. I asked about what options were open for me. They told me that I could not do a loan modification, Deed-in-lieu, Short-sale, or refinance. Different told me different things when I called the XXXX XXXX XXXX XXXX  XXXX department so options were told that they were unavailable to me and then they were, or I was too late because of the misinformation. I hired XXXX different estate agents who listed the house. I had 2 people who made offers to buy the property for a percentage but, the bank refused saying that it was not enough. one offer was for {$18000.00} and the other was for {$30000.00}. Agents told me that many people didn't put in offers because the garage that is located near the property did not come with the house. So with no acceptable offers, the property went into foreclosure and in XX/XX/XXXX it was sold for {$24000.00}. The mortgage never included the garage located near the property but, as of XX/XX/XXXX, there was a survey completed showing that the garage is actually part of the property. The garage was never insured and only used 1 stall of the garage being that the other stall was used by the owner of other property, and believed to be owned by the owner of other nearby property that shares driveway next to the property. The power is connected to the other property. The garage was never included on the mortgage or appraisal for the mortgage. XXXX XXXX XXXX XXXX did not work with me or provide accurate information regarding workout options which have resulted in foreclosure on my credit report and preventing me from getting another home for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: PA
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 fruadulent account listed from kick off lending llc that I did not authorize or obtain this account. this account is listed on my credit report and its fraud. this account needs to removed and deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: HYUNDAI CAPITAL AMERICA
State: MS
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/2023 I called to pay my account overdraft XXXX I was only able to pay XXXX and agreed I would pay the remaining XXXX so that I can put in a deferment for 2 months as I am currently on XXXX XXXX  They told me yes after the payment I can submit the deferment now they saying I owe XXXX I would like them to keep up there end of the deal as the call was recorded and I can not give any extra currently.

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 2022-12-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report .I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any transactions previously made by me the consumer. 

XXXX XXXX credit card inquiry dated XX/XX/XXXX XXXX XXXX credit card inquiry dated XX/XX/XXXX Please remove these inaccurate inquiries off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit reporting, credit repair services, 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:
Earlier this year I tried to reallocate some of my lines of credit with American Express. I tried moving some of my money around to accomplish this and it triggered a financial review. I sent American Express all my financials and things checked out fine, except that they imposed a limit on my American Express Platinum card.

As frustrating as this news was, I was excited to have more credit appear on my credit report because without the limit imposed, the card is a charge card with no limit. I've been waiting for this limit to show up on my credit report but it hasn't. Can you please help me?

The financial review process was long and frustrating having my accounts inactive, I would really like for this new Credit Line limit to show up with no hassle.

Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC
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 was in an active bankruptcy from XXXX of XXXX to XX/XX/XXXX. During the time I was also under a Covid-19 forbearance. I was also applying for a loan modification. I paid off my Bankruptcy early. I also received the funds to pay all of the back mortgage and did not need a loan modification. Carrington Mortgage has since started reporting to the credit bureaus multiple times that I was late in XXXX of XXXX. I have had to dispute the report three times. Every time It was fixed It was reported again the next month. Carrington has told me the credit bureaus are reporting inaccurate information against their will. They said they have no payment history for me during that time and are not reporting me late. XXXX has told me they can only report what Carrington gives them. I asked Carrington for a letter stating I was not late and they said no one can write me a letter. I told them its against the law to report me late while I was in an active bankruptcy and they said because I was in a Covid-19 forbearance and not a natural disaster forbearance they can report me being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-09-08
Company: BROKER SOLUTIONS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
On Friday, XX/XX/XXXX, I agreed to the refinance mortgage terms offered by senior loan officer XXXX XXXX at New American Funding. I was issued a Loan Estimate and signed the necessary documents to begin the loan process. 

On Saturday, XX/XX/XXXX, via email correspondence I inquired about making sure our rate was locked in and how that would work with the holiday weekend. XXXX replied that same day : " We can lock in the rate once we have received the e-signed disclosures and the below documents needed for our processing/ underwriting team. On Tuesday once the market opens up, we should still be fine and if anything worst happens in the market, I will have management take care of it ( your in good hands with me ). '' On Tuesday, XX/XX/XXXX, I began uploading the requested documents and was again in correspondence with XXXX via email. He never mentioned a single word about any changes to the loan terms. 

On Wednesday, XX/XX/XXXX, XXXX called me to confirm that we were locking in the loan as all documents had been received and everything signed. He assured me I would be hearing from the appraiser very soon and we would be closing on the new loan in less than 45 days. Again, he never mentioned a single word about any changes to the loan terms. 

On Thursday, XX/XX/XXXX, I received an automated email from New American Funding with an update to review and sign loan disclosures. When I opened these documents I found a new Loan Estimate showing a {$13000.00} increase in the loan amount, a {$4500.00} increase in origination fees and a more than double increase in discount point costs. 

I contacted XXXX immediately to let him know I did not agree to these new terms and that if the loan he was now offering did not match what we previously discussed, we were no longer doing business. His response was somewhat curt and he made no attempts to rectify but simply wished me the best of success. 

I believe his failure to inform me of such changes was completely intentional and deceptive. I had specifically reached out to him about wanting to make sure that everything locked in and stayed the same, to which he assured me it would, so he was very aware of my desire to stick to the original terms. He made it sound like the phone call was simply a formality to lock in the loan. At NO time in writing or verbally did he express a change in rate, a change in closing costs, or a change in origination fees.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Billed due date XX/XX/XXXX  I spoke with a representative. He waived the late fees, and I paid the bill in full. There after every month I was being charged XXXX fees and later applied a late fee. I called the customer service and asked why they are charging a late fee with a XXXX balance. The representative stated they can. The bank is also providing derogatory and inaccurate information on my credit report. I am sending few bills to show the fees that are being charged to my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XXXX XXXX account is showing that I paid late, twice, but I don't recall ever being late as I have the account on autopay. I've disputed and have asked for proof, with no response. I would like these late payments removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX account is showing that I paid late, twice, but I don't recall ever being late as I have the account on autopay. I've disputed and have asked for proof, with no response. I would like these late payments removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CREDITOR DISPUTE CREDIT INFORMATION XXXX XXXX CARD I, XXXX XXXX, believes that the account I had with the determined creditor was posted as either a charge off, or has excessive late payments that were deliberately placed after I got involved with XXXX XXXX   XXXX. What happened is that XXXX XXXX XXXX let these accounts go into a charge off status before they came up with a settlement arrangement. Therefore, the charge off status on these accounts were caused from a pre-arranged relationship with XXXX XXXX XXXX and the original creditor and/or debt buyer. This is a collusion business practice where the consumer can not successfully negotiate herself out of debt without a long-term derogatory statement on her credit report. Accordingly, I believe that each creditor must fulfill a fair solution to the creditor arrangement now posted on XXXX, Experian and XXXX XXXX respectively.

1 ) The original creditor must delete the prior-payment history completely.

2 ) A date certain must be stated as to when the credit tradeline can be removed.

3 ) The charge-off status must be deleted permanently.

All creditors maintain a subscriber agreement with the credit reporting agencies. These creditors must comply with all legal guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act pertaining to credit reporting on all consumers. However, the charge off status was forced by the debt negotiations company, and the late payment excessiveness was by design, not by any action from me personally. Accordingly, I believe the following actions by the original creditor on all credit updates will be fair under the circumstances : 4 ) The original creditor must delete the prior-payment history completely.

5 ) A date certain must be stated as to when the credit tradeline can be removed.

6 ) The charge-off status must be deleted permanently. 
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 2023-11-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without 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 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: WELLS FARGO & COMPANY
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a Wells Fargo account that is a joint loan with me and my son. Wells Fargo has kicked back payments my son has made and then charged him late fees and processing fees etc... 

They just impounded the car after bouncing back a payment he made. I find this to be extremely fraudulent activity on the part of Wells Fargo. They also incorrectly state on the credit reports that the payments are behind. They also further incorrectly state on the credit reports that payments are late. They are only late because they kick them back then charge late fees. This is pure extortion!! If you look at my credit record it is spotless except for Wells Fargo and they are causing distress and financial XXXX  to me due to this. 

I have contacted them to no avail. It is a pointless activity to try and get someone who can do something about it. I have disputed the activity being incorrect but then it comes back with even more late payments which is retaliatory actions on their part.

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 2018-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XX/XX/2018 requested hard inquires be removed from Transunion Consumer Relations. dude to me not being aware of the following inquires on my credit file. which transunion Consumer Relations stated they cant remove the items after I've stated I'm unaware of these inquires.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: NY
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 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 explanation
Consumer complaint received 2021-07-18
Company: EQUIFAX, 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:
Disputed several items on report, inquiries & paid some balances down but Equifax, XXXX  & XXXX  didnt update or investigate my disputes from last month. I asked for each agency to provide proof of their findings & all XXXX failed to do so. It almost seems as if Im being kept on a bad credit treadmill by this company. I want my entire report investigated by a live agent instead of a computer or I will be forced to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: OH
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:
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 without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX - XXXX day delinquency reporting XXXX 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