BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During the Coronavirus Pandemic, I requested a forbearance plan in order to allow for tenants that were not paying rent. This plan allowed us to retain tenants in our rental homes when they were unable to make rent payments. At the time of the Forbearance Plan request the mortgage was in good standing/paid on time. 

30 days before the end of the forbearance ( XX/XX/XXXX ), I requested a post forbearance solution ( flex modification ) from XXXX XXXX via telephone. The agent submitted the request and advised me to call back in 2 weeks ( XX/XX/XXXX ). I called back on or around XX/XX/XXXX. I asked whether I could make a payment as the ending of forbearance would be XX/XX/XXXX and the agent advised I could only pay back the full amount of forbearance ( {$11000.00} ). I explained I had requested a Flex Modification for the post forbearance solution. The agent said to call back in 2 weeks as there was no response yet to the post forbearance solution request. 

I called XXXX back at a minimum every 2 weeks from XX/XX/XXXX until the post forbearance solution was approved on or around XX/XX/XXXX. Each call I asked to make a payment while awaiting the Flex Modification approval in order to protect my credit. I was told by the XXXX agent on each occasion that XXXX could not take any payment except for the full forbearance amount ( {$11000.00} ) and was advised to not make any payment until the Flex Modification was approved. Each time I called the XXXX agent advised me that the XXXX system was not able to receive any payments except the entire Forbearance sum until the Flex Modification was approved. 

The Flex Modification was approved by XXXX Loss Mitigation in the first two weeks of XX/XX/XXXX. Beginning XX/XX/XXXX, the first of three post forbearance Trial Payments were made on time in accordance with the solution agreement ( all 3 trial payments were on time ). 

Even though the mortgage was in good standing and paid on time prior to forbearance in XXXX and all requirements were followed under the CARES Act regarding mortgages in good standing post forbearance : XXXX reported to the credit bureaus Payment History PPA : Partial Payment Arrangement. This Payment History Rating/Remark effectively dropped my Credit Score from XXXX to XXXX in XXXX of XXXX. I urgently request that the PAYMENT HISTORY Rating/Remark of PPA : Partial Payment Arrangement is updated to to " OK '' as the current remark is not warranted or applicable based on the guidelines of the Pandemic Forbearance for a XXXX 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 2023-10-15
Company: Experian Information Solutions Inc.
State: IL
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 XXXX Account # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During the Coronavirus Pandemic, I requested a forbearance plan in order to allow for tenants that were not paying rent. This plan allowed us to retain tenants in our rental homes when they were unable to make rent payments. At the time of the Forbearance Plan request the mortgage was in good standing/paid on time. 

30 days before the end of the forbearance ( XX/XX/XXXX ), I requested a post forbearance solution ( flex modification ) from XXXX XXXX via telephone. The agent submitted the request and advised me to call back in 2 weeks ( XX/XX/XXXX ). I called back on or around XX/XX/XXXX. I asked whether I could make a payment as the ending of forbearance would be XX/XX/XXXX and the agent advised I could only pay back the full amount of forbearance ( {$11000.00} ). I explained I had requested a Flex Modification for the post forbearance solution. The agent said to call back in 2 weeks as there was no response yet to the post forbearance solution request. 

I called XXXX back at a minimum every 2 weeks from XX/XX/XXXX until the post forbearance solution was approved on or around XX/XX/XXXX. Each call I asked to make a payment while awaiting the Flex Modification approval in order to protect my credit. I was told by the XXXX agent on each occasion that XXXX could not take any payment except for the full forbearance amount ( {$11000.00} ) and was advised to not make any payment until the Flex Modification was approved. Each time I called the XXXX agent advised me that the XXXX system was not able to receive any payments except the entire Forbearance sum until the Flex Modification was approved. 

The Flex Modification was approved by XXXX Loss Mitigation in the first two weeks of XX/XX/XXXX. Beginning XX/XX/XXXX, the first of three post forbearance Trial Payments were made on time in accordance with the solution agreement ( all 3 trial payments were on time ). 

Even though the mortgage was in good standing and paid on time prior to forbearance in XXXX and all requirements were followed under the CARES Act regarding mortgages in good standing post forbearance : XXXX reported to the credit bureaus Payment History PPA : Partial Payment Arrangement. This Payment History Rating/Remark effectively dropped my Credit Score from XXXX to XXXX in XXXX of XXXX. I urgently request that the PAYMENT HISTORY Rating/Remark of PPA : Partial Payment Arrangement is updated to to " OK '' as the current remark is not warranted or applicable based on the guidelines of the Pandemic Forbearance for a XXXX mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a teenager. I have a teen account, in connection with my grandmother 's account at Wells Fargo. On XX/XX/2022 I discovered that my XXXX} Bank account balance was only XXXX. I had been at home all night - I live with my grandparents and do not drive. My ATM card was in my wallet. No withdrawal over XXXX should be accepted by the bank, and most times I receive Fraudulent Notices by text, when I make purchases in a high amount. I also only go in to the bank to withdraw money. Someone was able to withdraw XXXX} in three separate transactions on XX/XX/2022. I called Wells Fargo and reported the fraud. They said they would investigate. I called them on XX/XX/XXXX, and they said there was no evidence of fraud and I would not be getting my money back. My grandmother also talked to them, and explained that I should not have been able to withdraw the money, and I received no fraud alerts. They had no answers. I spoke to XXXX and XXXX at Wells Fargo. They said they could escalate my call to the Executive Department, and they would call back in TEN DAYS. I find the service I have received to be unacceptable. They said they could not prove Fraud, but they never said that they could not prove that I withdrew the money.

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 2022-11-09
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts that are inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. Below are the names and account numbers who are in violation, and need to be removed off my report, not closed status, but REMOVED. 
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 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I'm ask the credit bureau to remove fraud inquiry from my report they told me they don't dispute inquirys i need to contact the company and i did the company said dispute it with the bureau so i don't known what to do please help. XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX I did not open or authorize this account, and I therefore request that it be closed immediately. I am a victim of identity theft, and did not make the charge [ s ].

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 2018-02-13
Company: EQUIFAX, 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:
Equifax is allowing a company to falsely report a hospital debt to my credit. I contacted the company the dispute the report. Not only did the representative try to collect my information so that she can put it in their system she got upset when I called the hospital while I was on the phone with her. she stated that shes going to mark it as disputed but its not going off of my report. She tried to talk to me as if its my debt, when I told her I dont think it is and verified that it wasnt when I called the hospital. I explained to Equifax that this collection company did not have my name or social when I called them to look up this debt. I gave them this info when I called and they couldnt pull it up. Yet Equifax marked my investigation for these collections accounts as verified. The hospital does not even have my name or social in their billing department either. So, equifax is allowing this company to report information on my credit report without full proof because this company is paying them to report. It is not fair to the consumer and should not be tolerated. I want this account removed from my report. It is not mine, and the company doesnt even have the matching information to report it. It is absurd. 

Nothing works in the consumers favor in these systems. It is really sad. We are just stuck, and left to keep disputing things that destroy our credit. It is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My personal loan with XXXX XXXX went to collections with them for falling behind in my payments. However, when I tried to make payment, I was told I could not make payments and would have to wait until the collection agency called to make payments. Months went by and I was never informed of how to may payments. 

I called them twice and spoke to the collections department. On a recorded line, I was advised that I would be provided information on how to submit payments. This never occured. My credit report keeps having negative remarks every Month. This account has been paid in full. I have tried to resolve this matter over and over, and they have the recorded conversations to prove.

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 2019-11-17
Company: I.C. System, Inc.
State: WA
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:
Was promoted to XXXX because of recent hacking into XXXX XXXX accounts. I decided to use it to protect my credit. Lo and behold, suddenly a {$920.00} bill from XXXX/XXXX  shows up from 2010, when I was no longer a customer. I have NEVER been notified of this debt, nor do I owe it. I pay my bills on time. How can a company NOT notify me, yet try and ruin my credit and reputation without me being even aware. My Score dropped by 51 points. My scam alert is now on high! I filed a dispute with XXXX, but two days later they tell me I owe the false bill! I am so angry I can chew nails. 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 2019-10-02
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2019 XXXX XXXX XXXX On Sunday XX/XX/2019 I am purchasing a pants through XXXX XXXX XXXX online and my XXXX XXXX XXXX didn't went through. I tried twice and I can not purchase anything by using the provided Credit Card Number to my XXXX XXXX. I decided to contact them through chat and they were asking all information regarding about my XXXX XXXX XXXX. They were asking also for a Bank Statements which I provided. However, I didn't noticed that it was only under my spouse name. I explained it to them through chat that we just recently moved to a new address and we didn't fixed it yet. I sent another Bank Statement which is only under my name.They replied and says Thank you for the information. After few minutes I received email from them and they closed my account. I called them and I spoke to different agent until I spoke to the supervisor on duty because I demand an answer to why they closed my account. Even the supervisor told me that she can not give me an answer to why they closed my account. I told her about the email I received that stating " Your XXXX XXXX account has been closed because : Failure to comply with the terms of the card member agreement or rewards agreement ''. I asked the supervisor what was the failure? ans she  told me that is not a question that I can not give you an answer. I believe that being a Card Holder I do have the right to know what was the reasons why they closed my account. I just asked a simple question that ended up closing my account without no reasons at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have recently checked my credit report and noticed this account that did not belong to me. In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 had reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: NJ
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XXXXXXXX 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 2018-08-14
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sold my house in XX/XX/2018 and have been waiting 5 months for them to return my escrow money. I've called many times and they keep saying the check is in the mail but it never comes. There is always some story as to why it was not sent such as it was sent to someone else or some other place. I've been more than patient.

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 2018-02-13
Company: Trident Asset Management, L.L.C.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Trident Asset Management LLC Several Letters were sent to Trident and letters to XXXX  for a validation of debt for a XXXX bill. I called XXXX and they had no info on this account, I asked Trident for verification and they sent me a itemized bill with the wrong name. After I told them I want the original contract with my signature, I never heard from them. 
Certified letters were sent to Trident on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX also directly to the physical address c/o XXXX XXXX ( CEO ) and XXXX XXXX XXXX, compliance Manager, which came back return to sender ), and a final letter sent on XX/XX/XXXX. Im really upset that they had the audacity to send me a settlement letter from the XXXX. XXXX XXXX address and it was dated 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 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act the following companies have violated my rights. 

15 U.S.C 1681 section 602 A. states that I have a right to privacy.

16 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. 

XXXX  ( Finance ) XX/XX/2021 XXXX  XXXX  XXXX  XXXX ( Bank ) XX/XX/2021 XXXX XXXX  ( Bank ) XX/XX/2021 XXXX  XXXX  ( Finance ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX Auto ) XX/XX/2021 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