BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: VA
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX, full Credit Card number XXXX XXXX XXXX XXXX, Expiration date, XX/XX/24 Security Code XXXX, opened XXXX, Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX XXXX Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX, Closed XXXX XXXX XXXX Account Number XXXX, opened XXXX, Closed XXXX15 USC 1681 ( A ) ( 4 ) States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Therefor pursuant to 15 USC 1681 ( A ) ( 4 ) I the consumer own my right to privacy, It can not be taken away, and there is no such thing as a public record for a consumer. I did not give my right to privacy to Experian to publicly report anything. Pursuant to 15 USC 1681 ( A ) ( 2 ) 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. A consumer reporting agency can not furnish an account without my written instructions. I would like to state that Experian is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer, I the consumer never gave Experian any written consent to report anything on my consumer report. No consent is Identity theft. I have enclosed a Identity theft report which states the XXXX  closed accounts and a Inquiry are being illegally furnished on my consumer report. If they are not removed I will not extend my credit my credit to anyone or allow Experian to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports.15 USC 1681 ( a ) ( 4 ) states ( a ) Accuracy and fairness of credit reporting ; ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian is violating the united states codes and should delete these items off of my consumer report or face legal action.

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 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquires on my credit report, inquiries ran without my consent need to be removed they are attached below. Only inquires authorized that are attached are 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 2017-07-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquires on my credit report, inquiries ran without my consent need to be removed they are attached below. Only inquires authorized that are attached are 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 2017-07-08
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing LLC took over my mortgage. They sent me a mortgage delinquency notice inXX/XX/XXXX which was followed by a Notice of Default and Notice of Intent to Accelerate in the amount of {$1600.00}. In XX/XX/XXXX I sent them a letter requesting the months that the mortgage payments were not received. I provided them with copies of cancelled checks. I have never missed a payment on this loan. My regular payment is {$590.00}. I send them every month a payment for {$600.00}. XXXX, teller # XXXX, from Customer Care Support, responded to my inquiry on XX/XX/XXXX stating that the account serviced was transferred to them on XX/XX/XXXX. She indicated that the account at the time of the transfer was not current. She did not specify which months the payments were missing. She also sent me a payment history for my account for the years XXXX and XXXX. I paid some money to bring down the delinquency so as to stop the default notice. This has been going on from XXXX till present. My last letter requesting the missing payments was sent to them onXX/XX/XXXX. They responded sending me another payment history of my account which does not reflect a missing payment. My request is for SLS to simply state the months of the alleged missing payments so I can send them copies of my cancelled checks.
Currently my account is past due by {$360.00}.

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 2020-02-15
Company: MoneyLion 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Money Lion Reported that I was 30 days late. I never received any notification that this account was past due. I had no payment due on the app at all. I paid off this loan in XXXX on the app. I took out another loan. I have confirmation from Money Lion staff. 
XXXX Loan was paid my only notification was paid on the app. They should never been able to report this without me knowing. It is totally irresponsible that credit agencies are able to take any information drop my score before contacting me. There needs to be a total revision to how credit agencies apply information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-15
Company: Self Lender Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I was prompted by this company to open a loan to increase my credit score. {$50.00} a month payment for 12 months. After about 6 months of making payments they offered me a secured Visa card on line using my deposited funds and charging me {$25.00} which was never disclosed. The card was opened in XXXX of XXXX. The account was only online. I never received monthly billing. In XXXX of XXXX I received one 30 day late from this company. I went back and reviewed all the online activity and noticed that I had consequently made monthly payments in XXXX, XXXX and XXXX. When I called the company to go over this they said since you were one day late on the payment in XXXX and XXXX ( possibly due to the time zone me being in PST ). That the 30 day rule according to there card stands. I tried explaining to the agent that technically for me to get a 30 day on the account the payment would need to be missed 31 days from the due date. They chuckled and said no that's not how this card works. I tried several times to get action from this company and ended up paying off the account and never received my deposit back for the secured card of the credit builder account. They assured me I would be receiving funds of {$550.00} but have not yet. I request the 30 day late be removed from my account and my deposit be refunded immediately. 

Sjncerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
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:
I just noticed that there have been several inquires that have been added by someone that have stolen information. THIS IS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I never had a past debt with EOS CCA collection agency. I never recieved notification from the collection agency nor did I pay the collection agency. I had closed my XXXX XXXX account in XX/XX/XXXX. I begun a payment plan in XX/XX/XXXX and paid XXXX XXXX on XX/XX/XXXX the remaining bill owed which was taken out of my account on XX/XX/XXXX. On XX/XX/XXXX I recieved an email that my credit score had changed. I checked my credit report with XXXX, XXXX, and XXXX to find a collection from EOS CCA for XXXX XXXX. On XX/XX/XXXX I called XXXX XXXX at XXXX XXXX  pacific time and spoke to XXXX who confirmed I did not have any past debts with the company. XXXX stated she would contact the collection agency on Monday to inform them I do not have a balance and to remove collection. On XX/XX/XXXX at XXXX XXXX pacific time I called XXXX XXXX and spoke to XXXX who again confirmed I did not have a past due balance. XXXX informed me she would emailed collection agency that my account was not past due and to remove collection. I called the collection agency on XX/XX/XXXX at XXXX XXXX pacific time and spoke to XXXX XXXX who confirmed the collection had been removed as I did not have a balance. Informed XXXX that collection shows on credit report as paid when I did not have a balance or owed a past debt. In addition I did not pay the collection agency. XXXX confirmed they had removed collection and closed account and that it should have been deleted from credit report. XXXX suggests I contact credit bureaus to dispute false information still present. I called XXXX XXXX on XX/XX/XXXX at XXXX XXXX pacific time and spoke to XXXX. I explained my situation after she stated she would send a document stating I had satisfied payment and the date which it was paid. I had disputed EOS CCA collection account from XXXX and XXXX. The dispute was not investigated since the account was updated to paid. On XX/XX/XXXX I spoke to XXXX from XXXX XXXX and informed her that I had not recieved the document she promised in the mail. I gave my email and fax number for her to resend. On XX/XX/XXXX I checked email and fax and have not recieved any correspondence from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: TD BANK US HOLDING COMPANY
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My first issue is with Target ( Target Red Card ) I opened a card XX/XX/XXXX. I made my payments on XXXX for XXXX, XX/XX/XXXX for XXXX and XX/XX/XXXX. 
I went to use my card at Target and it didnt work. I tried to call Target but was referred to a collection agency XXXX. At that point Target would not take my calls. I HAD to talk to the collection agency. I was horrified to find out that NONE of my payments were credited. I made my payments over the phone and received confirmation numbers. I WAS NOT NOTIFIED that my payments were not crediting. The collection agency told me that for the XXXX payment my account was frozen and the first 2 payments didnt credit because I didnt call my bank to give them a heads up? What? 
That conversation was XXXX at XXXX XXXX. 
The first person I spoke with told me that they dont take pre-paid debit cards. Again, no notice My second issue is with XXXX XXXX and my car payment. I had automatic withdrawals from my checking account set up and this last payment for XXXX was supposed to come out on XX/XX/XXXX ( due date is XXXX ) I was told that if I could set up my payments for the XXXX and I would not be making late payments. Then I call them because my paycheck does not go into my account until XXXX and I was told that not only would I have a 30 day late on my credit but every single payment I have made has been late! I am devastated. I have been working with XXXX XXXX XXXX since last year and they successfully brought my score up and in a matter of 10 days my credit score has dropped 97 points. I need help! These companies could care less. I cant even reach target at all, just the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Experian Information Solutions Inc.
State: OH
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 sent experian two disputes that they have not responded to they are reporting inaccurate information on my consumer report. I will attach the 2 certified letters that I have sent to experian and I will include my paystub with my address on it. There are unauthorized credit inquires on my consumer report a credit collection and an inaccurate late latepayment from a XXXX account ive always had 100 % on time payments I requested experian to send me a full discription of there method of verification to determine the accuracy of the information hosted on my consumer report and I have not recieved anything bearing my signature or any original documentation or any correspondencce to my dispute in general. I ask that experian corrects the errors on my consumer report immediately by deleting the inquires on my report that are hosted without permissible purpose change the late payment error and also delete the credit collection account that is on 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 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
i have written transunion and XXXX to provide me with the verification reporting on my credit file protein the bankruptcy shown on my credit file numerous times and i was denied that information of prove. I wrote the court and received a letter from them stating they doesnt provide public records to the credit bureau..

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 2020-02-15
Company: Fay Servicing, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I pay an extra {$250.00} week on my mortgage to be applied to principal. Fay servicing puts it it into a suspense account until i ask them to move from suspense to be applied to pricipal. 

The checks are clearly marked to be applied towards principal. I pay extra to reduce the interest paid yet and they continue to put funds into a suspense account. 

I would like to have the mortgage recalculated to have these payments applied upon receipt to reduce the interest paid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: CITIBANK, N.A.
State: OH
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:
On my credit file Macys has been reporting an account as charged off with a {$470.00} balance. When I called trying to fix my debt I was told my account was NO LONGER with Macys and was sold to collection agency. The agency was XXXX XXXX. Any payments would be owed to the collection agency NOT Macys. 

I received a letter in the mail from XXXX XXXX to resolve my debt so I called the agency spoke with a representative. XX/XX/2020 I made a payment and resolved my debt. I was told I was my balance was now {$0.00} and I am no longer responsible for my debt. The charge off would be removed once Macys is informed. I received my confirmation letter on XX/XX/2020 XX/XX/2020 I noticed that Macys updated my credit file reflecting a new amount owed as if I paid them instead of the collection agency. It continued to be listed as a charge off write off as bad debt instead removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was tricked into Wells Fargo 's mortgage program. My mortgage officer over-promised on discounts but can't keep her promises. Most importantly she didn't lock in my rate intentionally. She had more 14 days to lock in my rate after receiving the executed contract but she didn't do it. Now my interest rate has gone up from 2.875 % to 3.125 % and that I have to pay more on my mortgage. If I want to have my interest rate at 2.875 %, I have to come up with more money to buy more points. My closing date is approaching on XX/XX/XXXX and I don't have time to find a new lender as my apartment lease is also about to end. I don't know what to do?

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 2019-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX added derogatory marks on my credit file in the amount of {$1200.00}. I disputed this claim on ( XX/XX/XXXX ) this is not my debt and fraudulent activity with this account. I've never had a signed contract and /or account with said company. YOU HAVE NOT PROVIDED ME A COPY OF ANY ORIGINAL DOCUMENTATION REQUIRED UNDER SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with signature on it ) and under SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to " PROMPTLY DELETE all information which can not be verified. Fast forward to XX/XX/XXXX i was notified by my job that I HAVE A GARNISHMENT against me which is 10 % of my paycheck is being GARNISHED every week. you are negatively affecting my credit report. IF THE ACCOUNT IS NOT DELETED, I WILL BE FORCED TO CONTACT THE XXXX  AND LEGAL COUNSEL TO FILE SUIT.

Company response to consumer: Closed with explanation