BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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:
I have mailed each credit bureau ( XXXX, XXXX, and Experian ) as well as the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX regarding inaccurate information reporting on my credit report. I requested validation of debt on XX/XX/2023 and XXXX XXXX XXXX did not validate the debt by providing the requested documentation, a XXXX letter was sent to the company for failure to validate on XX/XX/2023 and I received a response that they will not look into this any further. In addition to sending the company 's letters, the credit bureau stated it was accurate information but did not provide the method by which the information was obtained when it was requested on XX/XX/2023. I received a letter only from XXXX stating that took proper measures but never stated which methods as requested in the letter. All three credit bureaus are reporting different high balances on this account. As you are aware, there can only be one high balance on an account. This account has not been properly verified.

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 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX have also filed 2 CFPB complaints against the bureaus for their lack of responses on XX/XX/XXXX and XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing from anyone! No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2022-10-20
Company: U.S. BANCORP
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/22 I requested a stop payment for a draft from XXXX pay financial because they was drafting twice a month, instead of once. I've begged US Bank to monitor the situation, instead they ALLOWED XXXX  Pay Financial to drain my checking account so they could accumulate Overdraft fees... So now my account is negative and I can't open an account somewhere else.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is aggravated identity theft! I did NOT authorize these entries on my consumer report as I did not apply for it. Additionally, the entries in the attached dispute letter are not providing any perk, product or service. Please remove it from my consumer 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 2022-10-29
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:
My name XXXX 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 2021-11-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: EMCC Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit and noticed that a company listed by the name of Equiant Financial Services. I have never had a Mortgage before nor did I do it with a joint person. 


The second company is XXXX XXXX. I have never heard of this company but they will never validate the debt as I have asked them to do because I never had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Experian Information Solutions Inc.
State: AL
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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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 2021-11-19
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: Account status incorrect

Complaint:
Incorrect payment history being reported by Experian.

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 2018-08-05
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I tried to cancel my gap insurance and the dealership was sold without any notices with a balance being owed to me. After the cancellation from XXXX XXXX XXXX XXXX gap coverage. I have emailed the old owners and the current owners of the dealerships with no result of resolving the balance owed. There is a charge for XXXX for a paint warranty XXXX for gap coverage that should be refunded seeing as I traded the vehicle on XX/XX/2018 XX/XX/2018

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 2022-10-03
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage sent me a threatening letter that they would put forced place condo insurance on my home. I called them and supplied documentation showing that my home is not a condo. It is a single-family home. They documented the call and told me that they would resolve the issue and even sent me a confirmation email, a few weeks later I received another letter. I called again and was told I see your documentation here and we will get this fixed right away, another letter came, another call, another promise to fix. I said if this is not fixed after multiple calls and documentation provided to you, I will have to file a CFPB complaint, today I received a letter that the forced place insurance has officially been added to my mortgage. I live in a single family home with no homeowners association, so would not be able to obtain HOA insurance. This is unacceptable.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27
Company: WELLS FARGO & COMPANY
State: PA
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:
Wells Fargo has ruined my credit score and made it impossible for me to open a checking savings or business credit card. I had a secure credit card. They charged off XXXX in fees that they should not have. I have had issues where there were over 20000 in fraudulent charges when I someone cut my brake line in my truck and stopped me from working at 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 monetary relief
Consumer complaint received 2019-12-12
Company: CITIBANK, N.A.
State: OH
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:
Home depot / Citibank credit card issued by Home Depot in XXXX XXXX Ohio, XXXX. Bought a new home and decided to have Home Depot install new floors. Decided to get and use the Home depot credit card and use it to pay for the floors. After the floors were installed and all problems were resolved paid the account off, {$10000.00} ) paid in cash ) .Ordered floor in XXXX, job still wasn't complete. We had to move on XX/XX/XXXX. Baseboard and grout work was still not done. Job was finally finished two weeks later and we signed off so the charges were started. Received the bill XX/XX/XXXX with a late charge on bill. Bill was due XXXX XXXX. Paid entire amount off {$10000.00}. Received a new bill XX/XX/XXXX stating we owed {$58.00}. Called Citibank and made a complaint about the bill arriving after it was due and the fact we couldn't know of the payment date until we received the 1st bill and that we had paid the entire amount off. The person at Citibank said they saw the error and that we owed nothing and they would fix the problem. I thought is was over. Received a new bill XX/XX/XXXX stating that I owed {$58.00} again, one {$28.00} late fee and a {$30.00} late fee for not paying the 1st late fee. I owed them XXXX. The account was to have been closed.I called Citibank and talked to a supervisor named XXXX and explained the situation. She pulled up the notes and said that she saw the problem and we owed nothing and she would resolve the problem. Today XX/XX/XXXX, I received a phone call stating that my account was overdue. Again I called and again I talked to the same lady and again she said I owed nothing and that she would fix the problem. But as you can tell I don't believe her. My credit score is over 800 and I would like to keep that way. I would like to close the account permanently, but my friend did that and it messed with his credit score. I am also worried that if I just don't use the card again, they might close the account and it show up on my credit score as an unpaid account. Whatever you can do to help me with my situation would be greatly appreciated. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-27
Company: Experian Information Solutions Inc.
State: CA
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:
Identity fraud caused a lot of damage to my credit report. It occurred about 2 years ago. After contacting the FTC and credit bureaus I had those items removed. Currently I keep a monitoring on my credit report to protect from additional accounts misuse of my personal information. But as of late I have noticed quite few inquiries appearing on my credit. These items are not now or have ever been authorized by me. I would like these items investigated and removed from my reports.

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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name XXXX 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 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 2019-12-12
Company: VW Credit
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: Account information incorrect

Complaint:
Thank you so much for taking the time to read this complaint I have a dispute with XXXX  reporting incorrect data on my credit report as well as VW CREDIT reporting incorrect data as well. 

I have reached out to VW CREDIT and they have failed to provide proper documentation for this dispute they have not validated this debt. 

VW CREDIT have not provided a contract validating this debt. 

XXXX  is showing no account history. 

There is alot of major discrepncies with this account. 

They keep reporting late payments when the account is charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 2023-04-11
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company New Rez grossly mismanaged my escrow account and continues to owe me money for these mistakes. After trying to get information from them 3 months I filed a letter for Request of Information and was assigned a person to help figure this out and get my money back. 
So far the mortgage company has admitted to paying twice for a parcel that was not mine. After notifying, the company that my taxes had not been paid in XXXX, the company sent a check to the correct parcel number but it was rejected due to improper amount ( the bill was late and had additional fees ) but I was unaware of this. 
I received a certified letter from the tax office for unpaid taxes and threats to seize my house. When I notified the mortgage company, they sent an additional check to the tax office. I then went to the tax office to make sure my taxes were paid, but they had not been. I wrote a personal check to pay taxes and penalties. 
Since then, I closed my escrow account and have been trying to get my money back. 
The mortgage company has identified the two payments paid to the wrong account and one of the correct but returned payments. They state that the second payment was accepted after I made the payment. The tax people say that did not happen and the check would have been returned to the sender. I want answers and my money back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employers : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the XXXX XXXX XXXX XXXX, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. KIndly REMOVE below the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXXXXXX XXXX  was issued a cease and desist letter because they repeatedly violated consumer laws. This was when it was already in collections. They only remain on my credit for SEVEN YEARS I habe NEVER made any payments to that fraudulent company, or ant of the loteral 25 collection agencies they illegally kept selling and uncollectabke debt to. I've never communicated with ANY of them either, ever. 

I keep reporting to transnion that it is past the 7 year mark and they keep illegally leaving it on my credit. Bow they have allowed XXXX to be on my credit report TWICE and one with a totally false date on it. I disrupted and they close sit stating it's valid with XXXX PROOF AT ALL. 

It's OVER XXXX XXXX XXXX, everyone knows it and the same fake and fraudulent debt sure as heck can't be on there twice! It's like they aren't even doing their jobs anymore, just collecting our money to simply exist

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