BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
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:
XXXX XXXX XXXX XXXX SS # XXXX XXXX XX/XX/XXXX ( Identity Verification documents attached ) In XXXX of XXXX, I disputed various items that were not reporting correctly on my consumer credit reports. This dispute resulted in Experian deleting the following accounts from my credit report : XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX In addition, the following addresses were removed from my report as they were also erroneously reporting : XXXX. XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX You can see these deletions on the attached file titled " Experian XXXX '' As I was recently reviewing my credit reports, I noticed that these three accounts and three addresses were reinserted into my consumer credit report ( see attachment titled " Experian XXXX XXXXXXXX ''. As you are aware, as per the Fair Credit Reporting Act 15 US Code 1681i ( 5 ) ( B ) ( ii ) and ( iii ), a consumer reporting agency has to notify a consumer within 5 days in writing that an item is being reinserted into their credit file. I never received such notice from Experian at any point since the items were deleted, yet they are back on my report. 

This is a direct violation of Federal Law, and I am demanding that the information be removed from my reports as they were back in XXXX. In addition, I am including an invoice in the amount {$6000.00} for compensation for these violations as provided by the FCRA. 

Please note that failure to comply to with this request within 45 days of receipt will result in a lawsuit being filed against your company in order to get you to comply with the law, recover the penalties due to me and for damages. I am trying to amicably resolve this situation before wasting the courts ' time with your willful noncompliance of the law.

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 2022-09-08
Company: URS Holding, LLC
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: Information belongs to someone else

Complaint:
there was 2 accounts opened through XXXX dated on XX/XX/XXXX in the amount of {$97000.00} and XX/XX/XXXX in the amount of {$50000.00} these accounts are now charged off and these accounts was opened with out my consent or authorization because I was incarcerated from XX/XX/XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXXXXXX is reporting incorrectly on my credit report as a loan that I dont have with them for a vehicle that I have sold during a collision. I have supporting documentation that this debt is reporting inaccurately due to the car/title not having a lienholder and was sold, because the vehicle was mine and PAID IN FULL.

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; CHILD SUPPORT ENF AG/N XXXX Balance XXXX {$4900.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-11-28
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX sent our closed account to a collection agency Franklin, ( all  equipment returned and services paid for ) as we switched to another provider. 
We sent copies to both XXXX XXXX XXXX and the agency to no avail. We finally just paid the darn bill as to get the phone calls, letters, etc on our file stopped. 
Now a collection account shows on our account. 

HELP ... this is coming us a mortgage. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
To whom it may concern : I would like to file a complaint against Webster Bank and more specifically, the fees that the bank imposes for insufficient funds. Currently Webster Bank charges {$37.00} for insufficient funds per bank transaction. The bank fails to indicate the time when each transaction occurs. The bank only tells the customer the date of the transaction. In my case, I was charged four {$37.00} fees for transactions that the bank claimed, I did not have funds to cover. See attached bank statement from XX/XX/XXXX until XX/XX/XXXX. I was charged {$37.00} for four bank transactions that occurred on XX/XX/XXXX ( one ), and XX/XX/XXXX ( three ). I note that my balance never went to {$0.00}, and I deposited close to {$3000.00} ( {$380.00} plus {$2600.00} ) on or aboutXX/XX/XXXXI called the bank and asked the bank to refund at least 3 of the {$37.00} insufficient fee charges. The bank refused to refund any of the {$37.00} insufficient fee charges. I was told that I already had {$37.00} insufficient funds refunded to me in the past and it is the bank policy not to refund more {$37.00} insufficient find charges per year. I escalated my call to a supervisor, and I was told that someone will call me back within 24 hours, but no one called me back. I believe that Webster Bank insufficient fund police provides a revenue for the bank from " legally stealing their customers money. '' I also note that I have overdraft protection on my checking account. I believe that the bank should have use the funs available to cover some of the charges that were withdrawn from my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: FL
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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
My husband and I have owned our home for close to 20 years. We were doing fine until CXXXX XXXX XXXX XXXX. I was hospitalized for 4 months and near death and it was very traumatic. Due to the income loss from Covid our family was not able to keep up with our monthly mortgage payment to Select Portfolio Servicing. I called them to ask if they had any programs to help homeowners who were financially impacted by Covid and they told me no, they did not have any programs to help. The agent told me that if we were struggling we should just pay the principal and interest and not the escrow for the time being. We took that advice because we did not know about the CARES program or any other options that should have been offered to us and as a result we are now behind about $ XXXX and they have told us we are going to have to reinstate that full amount or they will be starting foreclosure down the road. I am healthy and back to work and my husband recently received a raise and we have the ability to make our regular payment but need help dealing with these late payments -- -we do not have the resources to pay back the full amount and need help. I still dont understand why they obstructed access to the government programs set up for homeowners struggling due to Covid and did not even consider a forbearance or modification or anything. 

XXXX has worked as an XXXX XXXX for 30 years and I have worked in accounts payable for 20 years. We have raised our family in this home and have always done everything we could to meet our financial obligations. In spring XXXX our county was declared a disaster area. I suffer from XXXX and XXXX and these underlying health conditions severely affected me when I got XXXX and I nearly passed away and spent 4 months in the hospital and was out of work for 6 months. When we called to talk to SPS about our situation and that our financial problems were Covid related I dont understand why their agent denied access to government programs related to Covid hardship that we qualified for, such as the CARES forbearance. Instead we find ourselves behind $ XXXX and in a difficult position without the ability to get caught up. I tried to submit a loan modification application several weeks ago but have not heard any response and based on my past dealings with this company I dont hold out much hope for any type of help from SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: PR
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX, XXXX an amount of {$60000.00} was taken from my account illegally by the State Of Texas for a debt that had been paid for in XXXX to the State of California. State of Texas Returned the funds within 24hrs. I discussed this numerous times with Wells Fargo XXXX and they advised me that since the funds were returned it would be flagged as a fraudulent lien and could not happen again. In XXXX of XXXX, The State Of Texas or an entity within the Government filed a bogus lien again, and this time took {$100000.00} from my account. It caused me great emotional stress and immediate destitute. Release of Lien for State Of California, reference to Account/Case Number for the bogus claim The State Of Texas, was provided and Wells Fargo still failed to protect my funds. I talked to XXXX XXXX and XXXX XXXX and they were rude and not compassionate to the situation at all.

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 2022-09-08
Company: Global Lending Services LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Due to the covid pandemic phase I had an extension on my loan and it caused my actual loan terms to go past the loan mature date. I was advised that I needed to continue to make my payments monthly until the loan was completely paid off. I was never told that because it went past XXXX of XXXX  that I would incur a monthly late reporting to my credit report. As of today XX/XX/2022 I am still being marked for being late in XXXX but I am current on my monthly payments. They have attached a {$1000.00} charge for XXXX payment which they can not give me a clear answer as to why they charged me that and what is was actually for. I have only {$430.00} left to pay on the loan which is my last payment of this loan contract and they want me to pay that {$680.00} they can't tell me what its for. I don't understand that now that my loan is one payment from being paid off they are reporting me late every month for going over the contact. in the loan it was never specified that if I go past the original loan contract date it would be an additional charge. They are tearing up my credit and this has caused me distress due to dealing with this issue with this loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I tried XXXX times to make a payment on time on my XXXX BankXXXX account. I was unable to. I was at work and didn't have time to keep on trying or to contact the company. I work in a very busy job and we've been shorthanded. I was finally able to get on and change my password. I paid the balance in full. When I got my statement a few days later I noticed they had added a late fee. I also noticed that it had another name on my address ( XXXX XXXXXXXX XXXX XXXX that I had never heard of before. When I called the company, they said this name was added on XX/XX/XXXX. I did not add it. Apparently my account has been hacked and that is why I was unable to get on to make a payment. It took several attempts to get the password changed. Whoever hacked it must've change the password and it's not fair that I have to pay a late fee of XXXX when I attempted to pay on time but because my account was hacked I was unable to pay on time or to fix the problem while I was at work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2023 RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Full Address : XXXX XXXX XXXX XXXX, XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed.

My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX, MS XXXX Sincerely, XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My identity had been stolen, I person had been using my identity and opening accounts in my name, there is a particular one from XXXX XXXX, XXXX showing as a collection, I have not knowledge of this account there for it should be removed. 
A police report with XXXX police department report # XXXX had been filed and an FTC   complaint as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these inquiries ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law .It is not permissible to fail to validate these reporting inquiries as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : Please remove the following inquiries : XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC 1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 15 USC 1681B 2. I never instructed anyone to furnish or create this 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