BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. This creditor has violated my rights. Under 15 USC 1681 section 602, States I have a right to privaticy.15 USC 1681 section 604a Section 2. Also, states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b. A creditor may not treat a payment on a credit card account under an opened and consumer credit plan as late for any purpose

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 2018-04-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018 American Express closed my accounts ending in XXXX. 


They gave me no warning and i had never missed any payments. I tried to make 1 purchase and they closed everything. I would like to have my cards reopened and done so amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: SC
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2018-07-24
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have a some addresses on my report that are not mine. My name is XXXX XXXX XXXX please remove any other variation. My CURRENT AND ONLY EMPLOYER IS MY company : XXXX XXXX XXXX (XXXX XXXX) Please remove all other employers I am not affiliated My current and only address is XXXX XXXX XXXX , XXXX,OH XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXXTHE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE (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 non-monetary relief
Consumer complaint received 2020-09-18
Company: ENCORE CAPITAL GROUP INC.
State: PA
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 an account that was with XXXX and sold to Midland credit. I filed for bankruptcy chapter XXXX case # XXXX on XX/XX/20. I filed a dispute through XXXX as Midland credit was still showing on my credit report. The information was initially deleted, but now has reappeared on my credit report as a collection item. Midland Credit has obviously failed to stop the re-polluting of inaccurate information to my credit bureau report with inaccurate information. Under FCRA, Data Furnishers are to report accurate information and if they can't the information is to be deleted. Please either update the reporting to reflect this account was included in bankruptcy, as outlined by the Consumer Data Industries guidance in the Credit Reporting Resource Guide or I will be pursuing legal ramifications for a directly violation of my consumer rights as this is a direction violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX, I made my XXXX mortgage payment to Bank of America Home Loans through the Bank of America mobile app, as I have done for the past 3 years I have had this loan. In the past, transferring the exact amount of the payment from a Bank of America checking account automatically makes the payment. 

However, presumably because of a system change at the bank, the payment was applied to Principal curtailment. The Bank did not inform me that their system change would remove this mechanism for a customer to make his/her monthly payment. Therefore, I made my XXXX mortgage payment as usual, by transferring the exact amount of the payment from my Bank of America checking account. 

On or about XX/XX/XXXX, I happened to notice that the amount I paid was sent to Principal Curtailment, when, out of abundance of caution, I checked my account online. 

On XX/XX/XXXX, I called Bank of America Home Loans customer number and, after waiting on hold for more than an hour, asked them to please change the payment from Principal Curtailment to the XXXX payment. The representative acknowledged I would have had no way of knowing that the bank 's payment protocols had changed such that I could not make my payment the way I had regularly done in the past. She said the bank would apply the payment as I had intended, and that I could check that it was done via online banking. ( She said I could use XXXX going forward, which is, in my opinion, a significantly less convenient way for the customer to make his/her regular payments. ) On XX/XX/XXXX, I noticed the payment had still not been applied, so I called Bank of America Home Loans again. As with the previous call, I waited more than 1 hour on hold. When I was finally connected to a representative, the representative informed me that requests take up to 3 business days to process, so I could expect the change to be made by end of day Tuesday. She said she would email 3 people to ask them to make the change, to make sure it would be done. I also sent a secure message through online banking which has not yet received a response. 

As of today, Friday, XX/XX/XXXX, the change still has not been made. 

In the case of poor mortgage servicing practices and non-responsiveness on the part of the servicer, the customer is captive and unable to take his/her business elsewhere. 

I respectfully request that Bank of America fulfill this simple, straightforward request and change my payment from Principal Curtailment to the XXXX payment and improve their poor customer service going forward. 

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 explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX is reporting the following incorrect addresses : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX is reporting the following incorrect addresses : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX Transunion is reporting the following incorrect addresses : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR 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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX claims I had a late payment in XXXX of 2022. I never paid late, I simply started paying weekly to pay off faster. I made numerous attempts to resolve this with them and they will not remove this false late payment from my credit. this has negatively impacted my report and my life. I would like this resolved asap please.

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 2023-07-16
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: Public record information inaccurate

Complaint:
I have disputed this inaccurate information on my report for months, it is still causing a tremendous hardship and the information remains : =============================================== Overview Reference Number XXXX Date Filed XXXX. XXXX, XXXX   Classification Bankruptcy Type XXXX XXXX Bankruptcy Responsibility Individual Asset Amount XXXX =============================================== Overview Reference Number XXXX Date Filed XXXX. XXXX, XXXX  Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Individual Asset Amount XXXX ============================================== DEPT OF ED / XXXX Reported : XXXX. XXXX, XXXX  {$73000.00} In good standing ============================================== XXXX XXXXXXXX XXXX XXXX Balance {$1700.00} Balance updated XX/XX/XXXXXXXX  XXXX closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The credit bureaus failed to respond within the time frame allowed by the FCRA. I have had such a hard time trying to get them to remove inaccurate information as well as the credit freeze. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: Capital Accounts, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
For some reason, Capital Accounts continues to report to the credit bureaus, that I have an outstanding balance of {$210.00} owed to XXXX XXXX XXXX. However, this bill has been paid since last XXXX, and I am attaching a letter from this collection agency to confirm it. I have been contesting this account with the credit bureaus for months now, but Capital Accounts refuse to report accurate information about this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: LA
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 inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: SYNCHRONY FINANCIAL
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
men 's warehouse charged me for items that i did not purchase causing my limit and rates to go up causing harm on my credit report cra violation tried to fix it with XXXX XXXX XXXX the worse customer service and i return the whole item manager refuse to take the return b/c they tore the suit so we let all the items thee and did not walk out of the store with any mens warehouse items

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 2017-12-17
Company: Selene Finance LP
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is the THIRD COMPLAINT I have had to file against Selene Finance, whoever they are! Their continual lies in their responses baffles me! Once again they have lied about my representation! I guess no one there can read a court case because it lists my attorney THROUGHOUT the whole case and it is NOT and has NEVER BEEN the Green Law Firm so do n't tell me to have them do anything! I HAVE NEVER EVER BEEN REPRESENTED BY THEM, GET SOMEONE WHO CAN READ! When you find someone who is competent enough to read the court case maybe they can see where my attorney WITHDREW A YEAR AGO! I AM NOT REPRESENTED BY AN ATTORNEY AT THIS POINT, but with all the lies your company is espousing, I will have to hire one! You completely ignored my certified letter so that will show how you have blatantly lied and ignored all my attempts to make you tell the truth about this case! I will keep filing these complaints so the court will have a record of the lies you have told and how you have STILL not provided the required LEGAL DOCUMENTS TO ME! I STILL can prove you have NEVER contacted ME and your complete disregard for the information I have told you TIME AND TIME AGAIN! READ THE COURT CASE AND MY CERTIFIED LETTER TO YOU before you try to answer with more lies! Since you have simply substituted your name for XXXX 's I am not sure that the Supreme Court case that they lost does not apply to you! When you find that person that can read you better find that case and STUDY IT!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: WELLS FARGO & COMPANY
State: ME
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I first called to close my retirement savings certificate of deposit in XX/XX/XXXX. The interest rate was only 0.15 % and since I wanted money for home improvement, I decided to close this account. I was told first that papers would be mailed immediately but then, after being on hold for a long time, I was told to call back the next day as he had to check security questions. That afternoon I received a letter from Wells Fargo stating that my account was inactive because I had not called them recently. My account was set up to send a check each XX/XX/XXXX and I did receive one in 2018. I have never received any notification that I had to call them about anything. In fact, in the past they called me telling me I had to set up a checking account in the amount of {$200.00} in case of problems. That I finally got back after complaining a few years ago. On XX/XX/XXXX I called and spoke to another person and discussed the letter, the lies from the previous person and asked for the papers to be sent. He informed me they would be sent out that evening and by the time I received them and sent them back, my account would be active again. I called again today because I had not received the papers and I was told yet another story. The papers allegedly were sent out yesterday and would take up to ten days to get to my home, it would take 7-10 days to get them back and process them and then another 7 to 10 days for me to actually receive my money. I consider this a delaying tactic and yet another example of them trying to cheat me out of my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX and XXXX XXXX are reporting the same debt on my credit file that I do not owe. This debt is also past the statute of limitation. XXXX XXXX   and XXXX XXXX are in clear violation. They can not double report the same debt on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was billed for my monthly payment of {$13.00} on XX/XX/XXXX ( a payment plan pmt. ) however, a payment {$100.00} payment was made on XX/XX/XXXX. The payment hit my checking account and was returned unpaid. I now have a {$30.00} NSF charge and you will probably charge me a NSF returned check fee of about $ 30ish ), with a possible negative reporting. 

Secondly, I have a negative credit reporting from XXXX for XX/XX/XXXX/XX/XX/XXXX payments which were e-checked from my checking account ( paid!!! ). I have been disputing that for the last six months ( even with the CFPB two months ago ), and that 's not fixed! This is a nightmare on my account. 

Today ( XX/XX/XXXX ) I have called XXXX XXXX XXXX at XXXX to close the account. I also called their lost/stolen line at their phone number, XXXX, which is a 24 hour 7 days/week line, due to suspected abuse, and all I get is, " THE CORPORATE OFFICES ( OR ) GUEST SERVICES ARE CLOSED. '' I called starting @ XXXX up to XXXX ( PDT ) ). What do I need to do to get all this corrected? SUE XXXX IN A CLASS-ACTION SUIT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 started receiving alerts on my Transunion credit report and noticed that there were inquiries that I do not recognize. As I researched the inquiries I noticed that they are from banks for auto loans. I already have a car that 's paid for, so there 's no reason for me to apply for auto loans. I ask that this issue be investigated. If you find that these inquiries do not belong to me, I DEMAND that you delete them immediately. If these inquiries come back verified then I DEMAND PROOF of verification because I never authorized these inquiries. The inquiries needed to be removed are : 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

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 2018-07-24
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transworld System , Inc., representing XXXX XXXX XXXX XXXX XXXX ( XXXX ) has been receiving payments on a debt via tax return offset since 2014 ; and receiving monthly payments via garnishment from social security benefits ( 10 %, {$110.00} ), and payroll garnishments. However, monthly statements do not reflect any payments from the above mention streams, and do not reflect a reduction in the debt balance. Where are these payments? When contacted, both entities, each stating, verbally and in writing, that no payments have been received. However, I have received notices from the Department of the Treasury that payment interceptions have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transunion have fail to comply with Federal Law. 
1.The following personal information is incorrect. 

Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX 2.There Should be no late payments on this account. XXXX-Act # XXXX XXXX XXXX- Act # XXXX PAID AS AGREED IN INSURANCE CLAIM AS A TOTAL LOSS 3.Unauthorized inquiries Inquiries XXXX XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XXXX -XX/XX/XXXX XXXX XXXX- XX/XX/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 2021-05-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/2021 I sent out a certified letter to Experian Credit Reporting stating that personal identifiers that they are reporting on my account are incorrect. Along with my letter I submitted half a dozen pieces of proof that the information, such as multiple incorrect addresses and multiple incorrect names, do NOT belong to me. I received a response on XX/XX/2021 via their app that only a phone number had been removed. XX/XX/2021 I sent out a second certified letter asking for the misinformation to be removed with several different pieces of proof that the personal identifiers they are reporting are incorrect. XX/XX/2021 I received a response via their app that my account had been updated, but no misinformation was 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 non-monetary relief