BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: CO
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 want to remove these inquiries XXXXXXXX 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 explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had an account with Wayfair, that is now closed. It was fully paid in XX/XX/2020. 
the credit card service was provided by Commenity Bank. They charged me with an abusive late fee of {$29.00} when the payment was not paid late. I have called and spoke with several agents that refused to remove the fee. The due date was on a Sunday, therefore I paid the balance the day that was due, my bank released the funds within the next 24 hours, so this is an abusive way to obliged people to pay more money. In addition, this account is closed so why they are still trying to charge me?. I will like you to investigate because like me there is a lot of people being overcharged by this kind of irresponsible company that looks for a way to get more money. I have never paid a single account late. I even have a credit in the account for {$10.00} that they refused to refund, so they should use that money if they are not willing to refund. 
I do not recommend Commenity Bank to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Fay servicingin the selling our house in a foreclosure we do not know if they have the authority because we have not received a notice of servicing transfer and we have no paperwork stating do they own the loan and we want them to prove a chain of title transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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:
This is my FURTHER request that I dispute particular records on my credit file that do not belong to me, that I have signed any agreement, or that I have been the victim of identity theft and that no one appears to care. The data I'm disputing has nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. The following INCORRECT ADDRESSES should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: NC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: CREDIT ACCEPTANCE CORPORATION
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 information incorrect

Complaint:
On XX/XX/2020 I received two alerts indicating that my balance from Credit acceptance  INCREASED by {$290.00} and on XX/XX/2020 they also indicated that my balance increased by {$290.00}. This is NOT accurate. My balance actually DECREASED by that amount. 

I contacted Credit Acceptance DIRECTLY to ask them if they can correct the information and they advised me to file a complaint. 

This INACCURATE information had DROPPED my credit score by almost one hundred points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Affirm Holdings, Inc
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Affirm has a feature where your establish payments by logging into your bank 's website to set up payments. I established this when I took the loan in September and received confirmation that Autopay was setup. In XXXX, I was notified that my loan payment was late. I checked my text, it showed autopay as established in XXXX. I made a manual payment, enrolled in autopay again. I received confirmation that autopay was established and would be used for my XXXX payment. In XXXX, I again received notice that my payment was late. I checked my phone, a confirmation of autopay from XXXX and XXXX was received, again, this autopayment was established by entering the credential for my bank on my bank 's website. Affirm claims that there is no account ending in XXXX and that the bank rejected the payments to them. When I called my bank, there is no record of any attempt to withdraw my payment. After making my payment for XXXX and again ensuring that autopay was established for this loan account, I again received a confirmation that autopay was established. Fast forward to today and I receive notification that my loan is over due. I will not have my reputation ruined by a lender whose website is not working properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Reason for complaint : We have a trust account with Truist Bank which includes a checking account, savings account and debit/credit card. As of Sunday, XX/XX/XXXX we have not been able to view our account balances and activity. As of this writing, XX/XX/XXXX, we are still unable to access our accounts through the Truist app or by going to their website, Truist.com. I was unable to contact anyone person or department as the bank was closed on Sunday and the recording said their business hours were from Monday to Saturday. We were not aware of this and we could not contact the bank in case of a need on Sunday for assistance. 

On Monday, XX/XX/XXXX, I contacted Truist customer service to find out why I was unable to access our account. After being transferred several times, I was told our accounts were blocked however no one was able to tell us why and we were directed to contact the local branch of Truist as they were the only ones able to correct this. We contacted the branch of Truist located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Florida, XXXX on XX/XX/XXXX and spoke with XXXX who is the Branch Manager. I was told that the account was blocked because there was a system update over the weekend and some documents were required by the bank before we could access the account and that we must come in to complete and sign this document. We went home to complete the 4 page Trust Certification along with copies of our drivers license and personally delivered this to the branch on XX/XX/XXXX. We were also told that we MIGHT be able to have access by Friday. 

This account was renamed as a trust on the advice of our attorney in XXXX of XXXX and owned individually prior to that for probably 2 decades. At no time were we informed that this documentation was necessary nor we informed that the accounts would be blocked. All of this could have been prevented if we had received communications by text, email, phone or mail that the document was now necessary. Had this occurred we would have gladly obliged and completed the form prior to blocking access to our account. If this type of action by the bank was not illegal or regulated, it should be! Banks should not be able to take this type of action without informing the customer in advance. 

I have had interaction with this Truist Bank branch personnel previously and customer service ( and attitude ) is non-existent and remains so to this day. 

We are very concerned and worried since we are unable to see balances and activity in these accounts. Everyone is told to monitor their financial accounts frequently and report any unusual activity to the financial institution. Since we are XXXX seniors and for us it is important that we keep track of what we have since this is all we have! 

Still waiting

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 2022-10-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  FINANCE with an account ending in # XXXX, has violated my rights and the law. All 3 Credit Bureaus XXXX XXXX, Equifax XXXX XXXX ) have also violated my rights and therefore the law by refusing to do a true investigation that provides me with the copy of transaction records such as applications for credit and all the information that validated the above account and any another. The information and history and personal data must all match and also be given to me within the allotted time according to the law, or the account must be deleted. 

( I've disputed and called over 7 times while being denied and lied to about the laws and process ) FCRA Section 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) - 15 U.S.C 1681 section 602 A - 15 U.S.C 1681 section 604 A - 15 U.S.C 1666B : The Fair Credit Reporting Act ( FCRA ) Section 609 ( e ) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records such as applications for credit relating to the theft of their identity. 

A. The law applies to a business that has provided credit, goods, or services to, accepted payment from, or otherwise entered into a transaction with someone who is believed to have fraudulently used another persons identification. For example, if your business opened a cell phone account in the victims name or extended credit to someone misusing the victims identity, you may be required to provide the records relating to the transaction to the identity theft victim or the law enforcement officer acting on that victims behalf.

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. ** Below are the sections that make it very clear ** 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Duvera Billing Services, LLC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had spoken with Duvera ( Easy Pay ) today. Their reason for not honoring my fraud dispute with police report, fraud affidavit, etc. was not sufficient enough. As a result, I settled the account to get it off my credit report. This dispute has gone on long enough. Im ready to put this behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Re : Violation of Compliance Procedures/ Violation of Disputed Accuracy. 

Dear Experian, You stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date of last activities is inaccurate and the date last reported is not accurate and the accounts contain missing information.

This is a violation of 15 U.S.C. 1681e ( b ) ( Accuracy of Report ) and 15 U.S.C 1681i ( Procedure in Case of Disputed Accuracy ). The following account is still not being reported accurately, I request that the following account be removed immediately : 1 ) Account Name : XXXX/Account XXXX The Date of last activity is incorrect, the date reported is inaccurate and the date of last payment is reporting incorrectly. 

2 ) Account Name : XXXX Account XXXX The date reported is inaccurate, the date reported is not correct and contains missing 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 2021-02-26
Company: Southwest Credit Systems, L.P.
State: WA
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:
On XXXX XXXX, 2021, SOUTHWEST CREDIT SYSTEMS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SOUTHWEST CREDIT SYSTEMS has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 searched my Transunion credit reports and found. that the CRA Transunion LLC just refuses to follow guidelines of FDCPA and the FCRA and perform a proper and complete investigation of my account # XXXX with XXXX XXXX XXXX First of all, the acct # XXXX ... 
should never have been closed & charged off and I will show the illegal reporting down below : 1. ) Transunion reports ( 3 ) three different amounts as the amount owed to XXXX XXXX XXXX!! That is impossible and the reporting of this acct # XXXX needs to be Deleted immediately!!! It's impossible to owe '' XXXX XXXX XXXX '' an amount of {$1000.00} when the max credit limit on the credit card was {$500.00}!! This acct # XXXX ... needs to be Deleted because of this inaccurate unverifiable reporting! Transunion & '' XXXX '' also list a third amount of {$490.00} as the figure owed to " XXXX  '' This amount is inaccurate also!! These are all violations of the FDCPA and the FCRA and the whole account # XXXX ... should be Deleted immediately!! 
2. ) Additionally, Transunion and " XXXX XXXX XXXX '' also illegally reports a " '' past due '' amount on my credit report regarding this chargedoff collection acct # XXXX..That 's also a violation of the FDCPA and the FCRA because it exponentially & unfairly harms my credit even more!!! This acct. # XXXX ... should be Deleted immediately!! 
3. ) Additionally Transunion and XXXX XXXX XXXX disrespects the FDCPA & FCRA even further by not properly investigating and properly categorizing their findings as prescribed by law!! The term of " NOT SPECIFIED '' being placed on my credit report is flagrant disrespect and wreckless disregard for the FDCPA & FCRA and an insult!!! The law is clear & Both parties refuse to tell the truth and Delete this account # XXXX. Please help me with these huge bullies!! 
They don't even bother to render an official opinion of the facts regarding my Acct # XXXX as demanded by law!! They both should be punished!. I have disputed these reporting issues with them both for over ( 2 ) two years and they have ignored me as if they think they are above the LAW!!! PLEASE HELP 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 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Contacted both XXXX  and Transunion about late payments that XXXX XXXX had on my credit report. I provided proof that payments were made. I uploaded copies of my bank statements that showed payments were made through online transfer to XXXX XXXX directly on each of the months that XXXX  XXXX was reporting late. Proof was in all three statements. 

XXXX and Transunion kept returning my complaint saying it was verified late. HOW? If I am providing proof of payments from an FDIC Bank XXXX XXXX XXXX proving payments were never late. I called and was hung up on each time. ( its impossible to get anyone to help. ) I spoke with at least XXXX agents from each credit bureau and each time they would hang up. Coincidence or bad business practice?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mortgage company is reporting 13 late payments while the mortgage was in modification and the modification was approved.

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 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion customer service would not help and take care of the negative inquiries reporting to my credit report. 


TRANSUNION INQUIRES PLEASE USE HUMAN VERIFICATION AND NOT E-OSCAR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) has violated my rights. Regarding alleged account # XXXX, 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 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 explanation