BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or around XXXX XXXX, I contacted Wells Fargo and requested a XXXX   month payment history going back from XX/XX/XXXX to XX/XX/XXXX. 
As of today 's date XXXX XXXX, I have not received this requested document and I have spoken to an account specialist on several occasions and was told my request was finished and being sent to me, but I have not received it and I need this information to complete an application for a new mortgage.

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 2022-08-13
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:
Third submission of original complaint from XX/XX/22 The following is the correct data on revolving credit utilization as appearing on XXXX XXXX report : Primary Cards Usage Card Usage History You're using {$25000.00} out of {$54000.00} total credit limit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  100 % 98 % 97 % 92 % 30 % 50 % 100 % View all accounts Charge cards not included in calculation {$25000.00} / {$54000.00} = 46 % revolving credit utilization Experian is falsely showing 100 % revolving credit utilization from the same figures and falsely reporting XXXX XXXX as XXXX points lower than it actually is

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: Experian Information Solutions Inc.
State: CO
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:
I have XXXX tradelines on my credit report XXXX and XXXX XXXX, both of these tradelines are reporting accurately with XXXX and XXXX. I have asked Experian multiple times to please update their reporting and apply this tradeline to my credit profile. They have failed to respond to my multiple request.

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 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested verification of the debt and have not received a proper response according to 15 USC 1692g

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 2022-12-16
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Made ridiculously high payments on time they made a payment plan for late fees that I did not even owe and I do not know how to fix this because when I do get in contact with someone they're trying to make a new payment plan for things I don't understand you're telling me I was late for my first car payment after I paid my first car payment right after it said it was late already so it's always been late since I began to pay for the car which is very awkward

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
When the XX/XX/2022 payment was missed, Discover, against their own company policy and industry norms, failed to call me on the contact number on file or mail me hard-copy late notices to the physical contact address on file. 

Further, Discover lied and said that they did call me, even specifying dates, times, and phone numbers. Call logs on the various phone numbers show that no calls were made. 

Discover also lied about mailing hard-copy late notices. USPS Informed Delivery emails ( where hard-copy mail is scanned and sent to addressee in a daily email ) provide that no hard-copy late notices were mailed. NOTE : The XXXX bill was received. 

Discover 's website is also confusing ( see detailed remarks ) whereupon the place to verfiy email address was not properly labeled with its account number ( I have two accounts ). 

Lastly, Discover does not permit a client to set up automatic payments upon account opening or upon card receipt. Rather, client must wait for a balance due ( by which time, 4 months later, I personally forgot ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a bankruptcy in XXXX of 2020. I disputed items that were in that bankruptcy with the three credit bureaus. The items have been updated properly on one bureau. But your bureau did not properly update them. 
Federal law requires that you update the present status of an item or remove it after dispute. I provided copies of my bankruptcy schedules clearly showing these three items. I have attached them to this complaint. 
The items that should be listed as " Included in Bankruptcy '' are : XXXX XXXX XXXX XXXX ( Acct. XXXX. XXXX XXXX XXXX XXXXXXXX XXXX ( Acct. XXXX ). And XXXX XXXX ( Acct. XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
here are unauthorized inquiries that i didn't do i went over my credit report and check if any of this has been link to any of my account but i don't see them and i do not recall doing this inquiries.

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 2020-07-22
Company: Verisk Analytics Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX has incorrect information about my former property. It has a list of numerous loss claims that supposedly occurred while I lived there XX/XX/XXXX to XX/XX/XXXX. The new owner can not get insurance through XXXX and is threatening to sue me because I allegedly did not report all the known damage. There were no claims submitted while I loved there. I called XXXX XXXX and they were unable or unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Remove fraudulent unauthorized inquiry from XXXX XXXX XXXX  on XX/XX/2023 off my report with monetary relief or provide wet ink signature or proof in writing within 30 days.

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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XX/XX/22 I alerted each of the bureaus that I am a victim of identity theft and that 15 US Code 1681 c 2 says that they have to remove and block the items within 4 business days. The items remain on my report. XXXX XXXXXXXX XXXX accountsXXXX XXXX and 2 XXXX accounts are listed on my identity theft report. XXXXXXXX XXXX and XXXX have charged off both of the fraud accounts and sold them to collection companies. Despite doing this, they remain on my report. They are violating 15 USC 1681 e b by not reporting accurate information. Each of the accounts listed on my identity theft report are also violating 15 USC section 604 a section 2. Nobody can furnish an account on my credit file without my written permission : I have not given anyone written permission. XXXX XXXX and XXXX are committing tax fraud by reporting these accounts. According to the IRS, these accounts are considered income.

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 2018-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My Bank of America credit card statement period closing date was XX/XX/XXXX, I completely paid off the balance on XX/XX/XXXX ( 2 weeks prior to the closing date ), but they still charged me interest for the period, even though the credit card agreement says if the balance is paid off before the statement closing date there will be no interest charged. I called customer service and they are saying that that only happens if the balance was paid off for the last 3 statement cycles, witch doesn't make sense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-22
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to resolve this matter with this company since 2015 and have not been able to do so. This company is still reporting debt under my name for something I am not responsible for. I have attached a copy of the contract they sent as " proof '' of debt along with a letter I sent to XXXXn for their review of this item. This fraudulent contract does not contain my signature, therefore making it invalid and proving that this company is trying to collect a completely fraudulent debt. Please make this company delete this item from my credit history once and for all. Thank you.

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 2020-07-22
Company: Radius Global Solutions LLC
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: Account status incorrect

Complaint:
I am reaching out to you directly to get further assistance regarding an outstanding balance Radius Global Solutions ( RGS ) forwarded to the Credit Bureau Agency. I received a second alert from XXXX  and XXXX regarding this outstanding balance. However, I never received phone calls nor letters in the mail regarding this matter. 
Had it not been for XXXX and XXXX providing me with the notificationalerts, I would not have known anything about this. I contacted RGS at the phone number listed below from the website and spoke with a young lady who was not able to find my information in the system. I asked her to transfer to a supervisor, which she did after begging her to do so. She initially told me that she may not be able to do that because she works from home and does not have that information. She transferred the call to a gentleman who was able to transfer me to the correct person, Supervisor XXXX XXXX (? ) from the MN office. She tried to help me but was not able to find my name in the system as well. She asked that I provide my SS number to her, and I declined. I provided all the other information she asked for, but she was not able to find my name in RGS 's database. If I truly have an outstanding balance with a company that RGS works with, I am fine with that and will settle it timely. All I ask is to be notified of this appropriately before my information is sent to the credit bureau. When the RGS employees were not able to locate my information, I can't help but think if this was fraudulent activity. If it is, then it needs to be brought up to the credit bureau for further investigation. I just hope that this was an oversight on someone's part. And if so, I am needing your assistance to get it rectified as soon as possible. 
Thank you for taking the time to read my lengthy background information.

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 2020-07-22
Company: Flagstar Bank, N.A.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
flagstar bank texas, ive never missed or been late i which for you to pull my records of bank account and see for your self, this bank rouned my credit before they started doing this issues to me and only reason know this is on 2x time they double billed me i went to my bank to refinance and they told me my new credit and who did it to me, they double charge me and keep back payment to make out to be late till next mounth that i send in and then they'll cash in 2 payments ( this is their resent thing they started doing ) sometimes ill get a bill for less than {$50.00} then after sending my normal payment in will go back to their over billing deal, they got my credit bad enough now the my truck payment thinks they should be paid on XXXX of month and start harssing me much sooner, i still have several bills they sent me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: EQUIFAX, INC.
State: DE
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:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received multiple calls and letters from Phoenix Financial Services naming the creditor as XXXX XXXX XXXX XXXX. It was in regard to a debt for {$710.00}. My POA sent a request for debt validation on XX/XX/XXXX. It's ben over 30 days and didn't receive anything in the mail. I was then contacted by Phx Fin Srv once again letting me know they received the debt validation letter from my POA and was trying to get me to settle a debt that is not legally collectible. My POA called on XX/XX/XXXX at XXXX pm cst and got disconnected. She called again at XXXX cst and spoke with XXXX XXXX He told her that they never received the debt validation letter. And that he could mail her one out. She asked for the date of first delinquency ( DOFD ) and XXXX XXXX stated they did not have the DOFD. He stated that the service date was XX/XX/XXXX and that they received the file on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took the Covid-19 forbearance in XXXX of 2021 and Caliber home loans ( loan provider ) did not explain the most important part of the forbearance which was that at the end of forbearance they would add the total amount due on top of my loan amount which was a huge thing in decision making for the forbearance. They clearly did not mention anything like that but they said it was included in the agreement which does not state that at all. I took forbearance because of financial hardship as my wife had lost her job due to Covid-19. My initial loan amount was {$160000.00} and now they're saying that I have to pay additional {$11000.00} on top of my loan amount as I had taken the forbearance. They also did not explain that the interest would accrue during forbearance and that the principal would also be added to my original loan amount which is clearly a scam. I talked to them in XXXX and had stated to continue my payment as I was scared for foreclosure but they only took out one payment and stopped taking more payments even though I was enrolled in auto pay. I believe they did this so that my monthly payment of {$960.00} would keep adding up on my loan. In XXXX they stated that they'll put me into a deferment plan and I would receive correspondence in a week but nothing was received from their side at all. They keep adding my monthly payment on top of my loan amount and now my loan amount they're showing is {$170000.00} which is purely not what they had stated when they started the forbearance. I kept calling them and they would say my deferment plan is being reviewed but no decision has been taken in all these months. Please help me as I'm the sole earner for my family and I'm not able to make and afford these additional {$11000.00} payments that they have added on top of my loan and are demanding a payment in full so that I can be current on my payments. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Hi, I'm seeing hard credit inquiries from 'XXXX  ' on my Transunion from XX/XX/XXXX and XX/XX/XXXX ... and I'm not sure why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I have communicated over a period of XXXX year with the credit reporting company that : The DEBTS shown are not mine and submitted the COURT DOCUMENTS indicating that the DEBT is not mine and they still have not removed the items. 
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. 

Account name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation