BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-02
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:
I have account removed but there still have the late payment on there..the law states.. 15 U.S.C 1666b A creditor May not treat a payment on a credit card account on a open end consumer credit plan as late for any reason

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 2023-11-24
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: Central Portfolio Control Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Im not liable with this debt with central portfolio cont. I do not have any contracts with them and had asked them to send me the original application like I asked and they did not send any. There are 2 accounts on my credit reports from them in the amounts of {$5600.00} and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: NV
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. 

ACCOUNT NAME : 1.XXXXXXXX XXXX XXXX ACCOUNT NAME 2.XXXX XXXX XXXX ACCOUNT NAME 3.Department of Treasury XXXX ACCOUNT NAME 4 . XXXX XXXX XXXX ACCOUNT NAME 5 XXXX XXXX XXXX ALL HAVE 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 antidotes 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 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 2019-02-11
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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted this bureau numerous of times to remove these unauthorized hard inquiries. They have not responded back to me regarding this very important matter. They are not cooperating and its very frustrating that this bureau is reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
According to my consumer report I received dated ( XX/XX/2023 ) and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to XXXX5 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report and causing mental anguish. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME BY : XXXX, XXXX AND EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Early Warning Services, LLC
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:
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX XXXX  Acct XXXX. : XXXX Date XXXX Below are the following US Code violations these entities have committed.

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show Early Warning Services, XXXX, and XXXX are all in direct violation. As Ive yet to be contacted via phone by any of these entities regarding the deletions or blocks that they detail in their previous responses. These blocks Early Warning Services places on my report immediately get removed with NO details of the investigation, regardless of all information I supply them with that, quite literally, details all aspects of my identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
This debt with XXXX XXXX XXXX. Has been charged off for years and Ive disputed this debt several times in the past 5 years and it always comes back as verified. How is it verified as valid debt when its been charged off for nearly 5 years? XXXX XXXX XXXX has sent a letter stating that they are no longer attempting to collect on this debt. Why is it still being reported on my credit profile and being verified by the credit bureaus as valid debt of the creditor is no longer attempting to collect on it and Ive asked the creditor to provide a 1099c as this is now considered personal income to me with their charge off? This is being reported inaccurately and must be removed immediately as it is negatively impacting my ability to obtain 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 explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, 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:
I have a cancellation of payment arrangement letter from XXXX XXXXXXXX dated XX/XX/. I have a charge of debt currently reporting on my credit from this same company ; yet they were paid in full XX/XX/XXXX  ( see attachment ). 

Called XXXX XXXXXXXX directly. They admit I paid as agreed and on time ; yet they can not tell me why they cant correct it in their system. 

XXXX XXXX XXXX for the vehicle was sent to XXXX when XXXX XXXX receive and cashed their check in XXXX of this year. They would not have sent XXXX XXXX XXXX with an owing remaining balance. 

I have not been able to qualify for housing or another vehicle loan because of this. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 has violated my rights. 

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 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 2019-02-11
Company: AES/PHEAA
State: GA
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:
XXXX has not honored the PSLF program. I have provided them with forms showing I have 7 years of public service employment, however, they keep sending letters saying the forms are incomplete. I've sent the correct forms to them on over 3 occasions with little to no resolution. XXXX has misreported my payment plan. I have been in public service for 7 years and want credit for my time served.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: WELLS FARGO & COMPANY
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: Problem with personal statement of dispute

Complaint:
In response to Wells Fargo 's closure to my complaint ( ref # XXXX & XXXX & ) I'm again very displeased with the lack of accountability and total disregard of the financial harm inflicted on all victims of Well Fargo 's Pick-A-Payment mortgage loan that it so sanctimoniously stands behind and thereby supports. Once more Wells " special '' representative assign to review my complaint called on XX/XX//19 to inform me of her findings and again to my disappointment it was evident that she had investigated for closure rather than for fair and amicable resolve. I had to once again explain that the Modification once approved by then XXXX did nothing to provide any sustainable financial relief, but rather placed my outstanding payments due on the back of the loan with no interest rate or payment relief. When I went on to once again explain that by accepting the so-called " Modification '' the terms forfeited my rights to pursue any legal action ( have supporting documentation ), she seemed unaware and unfamiliar with my complaint and to the degree of Wells legal responsibilities.Please now be advised that I've hired the law firm of " XXXX XXXX XXXX  '' and in correspondence with my District Attorney XXXX XXXX for a full investigation, but keep standing behind this destructive loan product and the unjust decisions that were made along the way.

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 2023-04-02
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bread financial is supposed to resolve billing issues before 90 days. 
My issue started and I complained in XXXX of 2022. 
Its been almost a year I want my all my accounts w Comenity/ Bread Financial CLOSED. 
And I want all fees and interest charged to me REFUNDED since no employee of Bread or Comenity could access this account ending in XXXX so I was never able to even pay it off until they figured out the mess they caused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-30
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An expired credit card was used fraudulently to set up aXX/XX/XXXXaccount. The phone #, license plate and automobile listed on the account are not mine. I had contacted theXX/XX/XXXXCustomer Service Center ( XXXX XXXX and XX/XX/XXXX ) on several occasions about this matter and was instructed to document my complaint in a letter. This letter was sent to them by Certified Mail on XX/XX/2020. I phoned them a month later and was told by customer rep " XXXX '' that the investigation was ongoing and nothing more needed to be done on my part. On XX/XX/2020, I received a notice from a collection agency Transworld Systems Inc. to collect this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: I.C. System, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an account with XXXX XXXX  that ended in XXXX. It went to collections in XXXX and I received a notification from IC Systems about the debt. I believed the debt to be incorrect and therefore refused to pay it. In looking at my credit report, IC Systems is stating the debt went to collections in XXXX. This is incorrect and should have fallen off my credit report by now. IC Systems is refusing to correct the information and thus is harming my credit which is otherwise spotless. I would like this information updated and corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i got call today at XXXX my XXXX  number from a collection agency claiming i owe alot of money, they said XXXX hired them to collect it, thing is. i have a pay as you phone from XXXX, so its impossible to have unpaid debt. i contacted XXXX  they said i owe nothing, i called back convergent they said i have to pay, pls help, i looked this up and it seems to be some zombie debt scam that targets people, they act like you owed something from decades ago, that now grew, they used a XXXX number but seem to be from texas, CONVERGENT XXXX, they had my name, address, phone, demanded my social and credit payment, i said no to those, XXXX told me to just ignore them, im still scared and feel threatened by all this as their is no resolution from their threats. pls help looking this, i did many other people across the nation encountering this once i looked in to it this morning! thank you, this is some very shady, scary and confusion inducing scam, please help!

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 2023-04-02
Company: EQUIFAX, INC.
State: TX
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. 
Account names : 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
There is an item on my credit report from XX/XX/XXXX. I have never opened account with XX/XX/XXXX. I continue to dispute this item with the credit bureaus and the furnisher, but XXXX XX/XX/XXXX continues to verify this information as accurate. In addition, each month XXXXXX/XX/XXXX reports me late. How can they report me late when I do not have an account with them or owe them payments. 

I need this item 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 2020-11-30
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a home equity line with Regions bank. I requested to payoff the loan in one lump sum payment and I was given the payoff amount good till XX/XX/2020 but I paid off the loan 5 days early on XX/XX/2020 so I made an overpayment for the interest of those 5 days. I then received a statement from regions bank and on that statement there was a charge of XXXX dollars inactivity fee plus they owe me the overpayment of the interest for -sting the loan 5 days early. I called the bank and asked for a manager who was extremely rude and kept arguing with me and her name is XXXX. Regions bank overcharged me interest and fees for no reason. I paid off the loan but they still charged me XXXX dollars inactivity fee and they did not refund me the XXXX dollars overpayment that I paid them .so Regions Mortgage bank owes me XXXX XXXX dollars of overpayment and fraudulent fees which they called inactivity fees which is ridiculous. I was paying on the account and there is NO inactivity fees to be charged to my loan. I want Regions Bank to refund me XXXX dollars that I overpaid them and to release the lien on my house since I paid off the whole balance and plus an overpayment of XXXX dollars which they should refund it to 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 monetary relief
Consumer complaint received 2020-12-01
Company: INTERFIRST MORTGAGE COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied with Interfirst to refinance our ( XXXX XXXX ) mortgage in early XXXX of this year. 

We provided all requested documentation & were approved & had an appraisal in XXXX ( we paid {$830.00} ). 

In the 3rd week of XXXX was told by our loan officer XXXX XXXX we would be contacted to set up a closing appointment. That never occurred & instead additional documents were requested which were promptly provided & this is still going on as of last week. Most of the time there's no placeholder to upload the additional request so then i have to email XXXX XXXX so she can create one so thats more emailing & delay. 

We have never been informed of any deficiency - just additional requests which we provide - but we never get to close. 

In XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXXwe have received notification letters from XXXX XXXX that they have responded to inquiries for pay off. 

I asked XXXX if we are going to close before the end of XXXX & there reply was they needed a transcript of our tax return ( already uploaded the pdf a long time ago ). 
On Tuesday XX/XX/XXXX i emailed XXXX to withdraw our application because it is over 140 days since we applied. 

Last night XX/XX/XXXX i was filing bills etc & what I thought was a routine renewal of our XXXX XXXX Homeowner 's insurance was actually a DECLARATION : It indicates Interfirst WITHOUT OUR KNOWLEDGE OR PRIOR NOTIFICATION ASSIGNED ITSELF AS THE MORTGAGEE AS OF XX/XX/XXXX & WE STILL HAVE NOT HAD A CLOSING OR SET A CLOSING DATE. I understand this date should be or be pretty close to the closing date. 

I will upload a pdf of the XXXX XXXX document in Step 3.

Company response to consumer: Closed with explanation