BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Almost a year and 1/2 ago I contacted XXXX XXXX to let them know that I was sick due to XXXX and that my income was affected and I had no money to pay the card and that I needed to request XXXX assistance. They told me that I was two weeks too late to qualify for their XXXX Assistance Program. I also tried to explain to them that I had a lot of difficulting trying to get through to them on the phone for those two weeks. They said it was too late and that there was nothing that they can do to help me anymore. They closed my account and reported me ( 30 ) Days late for XXXX, XXXX, and XXXX XXXX. 

I disputed the late payments with XXXX sighting XXXX with no success. 

I continued to pay my card for the next 12-13 months on time and I just made the last payment of {$3000.00} to pay off the card on XX/XX/XXXX. I called XXXX XXXX today XXXX XX/XX/XXXX, asking them to please remove the late payments now that I paid off the card. They said there was nothing they can do to help me. 

Then I tried disputing the Late Payments with XXXX online today as well, it was automatically electronically rejected. The program said ; " Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute '' So, I called XXXX and an XXXX Dispute Specialists advise me to contact you on this, he said that if needed to contact them back if I had additional information and when calling, use Report # XXXX. 

I was told that this would stay on my credit report for an additional 5 or 6 years. I really need your help as this is and will continue to affect me and my family financially with higher interest rates on credit cards and loans. Can you please help me get these three ( 30 ) Day Late Payments off 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 non-monetary relief
Consumer complaint received 2022-10-20
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: Reporting company used your report improperly

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: IL
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 was a victim of identity theft. There are many accounts and inquiries on my credit report that I have disputed, as well as names and addresses that have not been removed after I disputed them. I have mailed countless letters to this credit bureau & still are 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 non-monetary relief
Consumer complaint received 2023-07-18
Company: Experian Information Solutions 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:
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. 

I told Experian and XXXX to update my person information and to reinvestigate these accounts and inquiries listed below, however, they stated everything was complete and accurate. How is that possible is the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that isn't reporting correctly. 

XXXX Unsecured loan with account # XXXX Collection account from XXXX with account # XXXX Collection account from XXXX XXXX XXXX with account # XXXX Collection account from XXXX XXXX with account # XXXX Collection account from XXXX XXXX with account # XXXX Inquiry from XXXX XXXX  on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/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 : States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681b - Permissible purposes of consumer reports. 

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. 

Also they aren't in compliance with Metro 2 credit reporting. I have evidence to prove my case.

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 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
To whom it may concern, On XX/XX/2020 I was notified of an account being reported to my credit file ( s ) as a collection. The invalid an inaccurate account and creditor is " XXXX XXXX XXXX  ''.

To begin, I've never heard of or have ever done ANY business with this company in my life, I have absolutely no idea who they are. After doing some research I found out that they are a scam collection company who buys so called debts and they have a high reputation of illegally placing collections on consumers credit files. Secondly I'd like to be clear that I have never signed a contract, given any personal information ( ex : Social Security Number ) in regards to applying for credit/credit check nor even given consent to this company in any form to use any information they have ( which can't be much being I've never done business with this company ) to even be able to place anything on my credit file ( s ). Thirdly please be fully aware that this company has now violated sections 609, 617 and 619 of the FCRA in the matter of their blatant disregard of giving valid proof of the validity of this account with their company! I have no signed contractual agreement with this company who please be advised is a 3rd party collection company and again I've never done business with them in any form or fashion. This is an unlawful act and I plan on seeking a lawsuit if this erroneous item is not removed from my credit file ( s ). Also I've never received anything from this company stating where this supposed debt even came from. I'm also now asking the company to give valid proof if they believe this debt to be mine, meaning a physical wet signature contractual agreement between myself and XXXX XXXX XXXX within 5 days. A digital signature and other forms of trying to prove this account to be mine will not suffice due to the nature of this collection and me never working with or doing business with this company. If not given that proves the invalidity of this fraudulent account on my file and by FCRA law needs to be removed 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 explanation
Consumer complaint received 2021-12-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
on or before XXXX XXXX I SUBMITTED A LOSS MITIGATION SHORT SALE APPLICATION TO SPS SERVICING, AND WAS TOLD THEY DIDNT GET THE FAX SO I RESUBMITTED ANOTHER SHORT SALE APPLICATION ON XX/XX/2021 AND SPS REPLIED AND SAID IT WOULD TAKE 30DAYS TO REVIEW, SO WHILE I WAITED I WAS INFORMED OF A SALE DATE OF XX/XX/XXXX, XXXX I CALLED ONLY TO FIND OUT THAT MY APPLICATION WAS NEVER REVIEWED FOR THE SHORT SALE AND SPS WAS MOVING FORWARD WITH THE SALE DATE OF XXXX SO I HAD TO KEEP CALLING EVERYDAY UNTIL GOT SOMEONE TO LISTEN TO ME AND THE SALE WAS POSTPONED TO XXXX XXXX, BECAUSE I HAD SUBMITTED THE APPLICATION BEFORE THE SALE DATE WAS POSTED, NOW I`M REQUESTING THROUGH MY ATTORNEY THAT SHORT SALE SHOULD BE RESTARTED SINCE ITS ALREADY BEEN SUBMITTED WITH XXXX OFFERS FROM MY BROKER, BUT ONCE AGAIN SPS IS STALLING THE PROCESS AND TRYING TO FORECLOSE ON MY HOUSE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
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 information incorrect

Complaint:
I feel as the Equifax is intentionally trying to sabotage my credit profile. I have informed them on numerous occasions about the inaccurate information that they are reporting on my credit file and they have refused to remove this inaccurate information. I am gathering enough evidence to show Equifax malice intent. I have notified Equifax many times about their inaccurate reporting of my year of birth and they are reporting that i am 120 days late on an inaccurate reporting of child support. If I am 120 days late, then how is some of the reportings showing ok paid as agreed and then the following month it is 120 days late. This entire account is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Please accept this statement as a formal complaint against the above credit card company for its refusal to remove the sum of {$97.00} from my account for a charge that I never made. 

The timeline and basis for my complaint follow : XX/XX/2021 The charge in question first appears on my statement for a transaction involving XXXX XXXX on XXXX XXXX XX/XX/2021 I called Customer Service and advised that I had not charged the sum of {$97.00} at XXXX XXXX, and asked that the charge be removed from my account XX/XX/2021 My dispute is acknowledged and I am asked to provide additional documentation, which I provided ( copy attached ) XX/XX/2021 My claim is denied on the basis that the information I provided was not enough to support my claim ( copy attached ) XX/XX/2021 I call XXXX XXXX and receive confirmation that no charge for this amount existed on their records. I send my letter to LL Bean again stating that the charge is not appropriate ( copy attached ) XX/XX/2021 LL Bean again declines my claim advising that, the documentation does not support the claim ( copy attached ) XX/XX/2021 I again call XXXX and receive written confirmation directly from this vendor stating that no charge for this amount exists on their records - see email with screenshot from XXXX XXXX, Front Desk XXXX at XXXX XXXX dated XX/XX/2021 where he states, " I am unable to find any charges for the amount we discussed of {$97.00} ''. A copy was forwarded to LL Bean under letter of that date, together with yet another request that the charge be removed from my account ( copies attached ) XX/XX/2021 LL Bean again denies my request stating that, the documentation doesnt support the claim ''. ( copy attached ) I have provided to LL Bean copies of documents sent to me directly from the vendor in question where the vendor himself states in no uncertain terms that a charge for {$97.00} does not exist on their records. Despite this, LL Bean refuses to remove the charge from my account.

LL Bean has acted in bad faith by their refusal to remove this charge from my account, despite the fact that I have clearly and convincingly demonstrated that the charge was never incurred.

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 2021-12-10
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2020 my wife lost her job of 26 years due to a XXXX layoff. In XXXX of 2020, we requested a forbearance with our servicer, Shell Point Mortgage. Our loan was always under XXXX XXXX. We are now at the end of our forbearance, with our payment due this month ( XXXX ). We wanted to use the deferment option to put the {$26000.00} balance at the end of our loan. Today after speaking with our servicer, we learn on XX/XX/XXXX that our loan was sold to a different investor, XXXX XXXX XXXX XXXX. and is no longer affiliated with XXXX XXXX. We also learned due to the sale, we are NOT eligible for a deferment with Shell Point Mortgage. Shell Point told us that our investor will not allow deferments. You can only imagine how upset we are! Is there anyone that can assist us? Is this able to be overturned? We live here in California and had the most stringent lock downs during an extended Covid period. We are trying to see if we can get a modification but we don't know if we will qualify. Please help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Experian Information Solutions Inc.
State: IN
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:
Experian has continuously reported a false bankruptcy XXXX on my credit report that all their agents have acknowledged that the bankruptcy is under a different name. Experian will not remove the bankruptcy even though its under someone elses name due to they keep saying the company that reported the information has certified to Experian that information is accurate. This is the response i was given on XX/XX/XXXX after disputing it again on XX/XX/XXXX. Experian will not provide me with the name of the company so that i can dispute directly with them. Under federal law, any innacurrate or incomplete information must be deleted. How can a company verify information under a different name than mine? They cant! I have contacted the court that is listed on the bankruptcy and they have advised they do not verify with credit bureaus and that bureau had to go through a third party agency for any information they have. This again is illegal as third party agencies are not the originator of this bankruptcy, the federal court it. I want this bankruptcy deleted as soon as possible. 

Additionally, they deleted a bankruptcy account from XXXX XXXX as it stated included in bankruptcy. I disputed this account as not mine as i had not filed bankruptcy. This was disputed on XX/XX/XXXX and deleted on XX/XX/XXXX. How do you delete an account attached to a bankruptcy that is not mine but not the bankruptcy itself ...?

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 2023-07-18
Company: Experian Information Solutions 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:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-04-04
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
A few years back an account was open under my name without my knowledge.The account was overdrawn and charged off. When i had found out I notified them and reported it as identity theft. I got a letter in the mail saying that I was not responsible for it and will be able to open a new account if I wanted to. To this day i am still not able to open an account with them which is very frustrating and not fair!!

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 2021-12-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I missed a payment of my credit card statement of {$12.00} by 7 days. they charged {$17.00} late fee, plus interest. the fee posted the day after due date I thought the fee is not allowed to be more than 100 % and even if yes, it's very greedy. 

I usually contact the company before filing a complaint, but their getting worse by the day, I felt I need to call them out. I don't want to need to call every 2 months and threaten a complaint

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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 4th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-12-10
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2021-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Paid off my entire closed credit card bill, yet over a week later was charged interest on paid off amount. Called to resolve issue with capital one, yet the representative was extremely XXXX and hung up on me after I requested to speak with another XXXX. Now I am being charged late fees and Capital one is threatening to ruin my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE RECENTLY RECEIVED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS & INQUIRES ON MY CREDIT REPORT THAT WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNTS AND INQUIRIES FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

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