BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Account Name : XXXX XXXX XXXX Account # XXXX & Account # XXXX Violation of 15U.S.C 1681 ( S ) 2 -This is inaccurate reporting Therefore delete account off my consumer report And Delete account due to Violating FCRA Rights I sent a dispute registered mail with return receipt to all three credit reporting agencies on XXXX XXXX XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 35 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act

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 2022-02-07
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:
i XXXX XXXX checked my credit report and i noticed some fraudulent and inaccurate accounts on my credit report. I then proceeded to reach out to the credit reporting agencies to remedy the situation but would not help correct these fraudulent and inaccurate accounts. 

XXXX. I XXXX XXXXXXXX ( original creditor : XXXX XXXX communications XXXX ) XXXX XXXX PER MNG ( original creditor XXXX XXXX ) XXXX XXXX ( XXXX x reserve at XXXX XXXX ) XXXX XXXX ( original 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 2018-10-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute with Experian via mail regarding account name : XXXX XXXX XXXX XXXX, account # XXXX ( see attachment. ) I received the dispute results dated XX/XX/XXXX ( see attachment. ) Upon review of the dispute results, there is a major inaccuracy. The date of 1st delinquency is incorrect. Upon pulling a previous Experian file from XX/XX/XXXX, the account showed a date of first delinquency of XX/XX/XXXX ( See attachment. ) This is a 14 month discrepancy. Therefore, the creditor is " re-aging '' information and reporting inaccurate information.This is a violation of the Fair Credit Reporting Act ( FCRA. ) Furthermore, Experian has verified this as accurate information which is inaccurate. Since the date of 1st delinquency is XX/XX/XXXX, this item should be removed seven years from that date. In this case, the account should fall off from my Experian credit file on XX/XX/XXXX. Please refer to the attachments with the inaccuracy directly from Experian 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 explanation
Consumer complaint received 2019-08-16
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: Account information incorrect

Complaint:
Equifax Attn: CEOXXXX XXXX  XXXXXXXX, GA XXXXXXXX Attn: CEOXXXX XXXXXXXX, NE XXXXXXXXCFPB Attn:CEOI have requested that this infomration be corrected multiple times with no corrections done. Only misreporting. Please see screenshot. This  XXXX car was sold to the dealer in XXXX of XXXX and was paid off in full. There should be no lates for XXXX, XXXX, XXXX, XXXX and XXXX. Please remove the erroneous lates. The monthly payment was not $XXXX per month.XXXX and XXXX has this information correctly noted. Please provide me with the proof you have that says otherwise. Please explain how this could happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Experian Information Solutions Inc.
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:
Hello, I have had to replace my credit card several times. The last time was because someone placed a LARGE amount of money on the card. It was taken care of and XXXX XXXX   issued me a new XXXX XXXX XXXX XXXX. 

I STRESS BEFORE I even RECEIVED the card in the mail I received an email from XXXX XXXX and it said I needed to Update my credit card and it gave me the last four digits of my NEW credit card. 

I contacted XXXX asked how they received the card number and I think they said it was given to them. I then contacted XXXX XXXX and they told that if I have a subscription the Credit card reporting companies automatically GIVE OUT the card number to those places. 

I feel I SHOULD BE THE ONLY ONE TO GIVE OUT MY NUMBER. Please STOP THIS Practice. this most likely how my card has been getting into the wrong hands. 

They also pull the credit card reports by ADDRESS and not by NAME and ADDRESS. As in My mom would get a credit report and it would have MY cards, my brothers cards my sisters card and my fathers. We would all have to say which was ours then have them remove them, At first they also used the FULL NUMBER on the credit card. NOW they always say never give out your credit card info to people you do not know. When I filed that complaint they woke up only a LITTLE they kept all the cards on the report but now they only have the last 4 digits. 

LOOK into that also to make sure they refine how the credit card report is pulled so only my moms cards are on her report. 

Look into all the credit reporting companies I do not know who handed out my info. 

I have a bigger second complaint with XXXX XXXX. I will write you on that separately. 

I did talk to a person from this site on the phone and told them what was going on they instructed me to files the complaints.

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 2019-02-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a business checking account at a Wells Fargo branch using the offer code that was sent to me on XX/XX/XXXX and had met all the requirements as of XX/XX/XXXX. According to the terms and conditions, I would get the bonus within 30 days after meeting all offer requirements. I have tried to contact the bank directly and still have not received the bonus yet. I have attached the supporting documents in this complaint for you to review.

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 2020-07-08
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband passed away two years ago. Both our names are in the deeds to the house but he later went on to take out a mortgage in his name only. 
I am selling the house and the mortgage company, US Bank sent a payoff amount with over XXXX added for escrow. They claim theyve been paying insurance. They didnt need to. They say a XXXX XXXX dollar payment for insurance was charged to the home mortgage in XX/XX/XXXX. They are refusing to adjust this amount in the payoff to reflect that as of Monday I wont own the home or need it to be insured for the coming year. 
They said after the house sale the insurance will be cancelled. They said I could fight with the insurance agency to be reimbursed but added that as the mortgage is in my husbands name it wouldnt be payable to me.

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 2019-02-24
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: Credit inquiries on your report that you don't recognize

Complaint:
Good afternoon. I am filing a complaint, against Experian. I have 7 Inquirys that are still being reported every Month. these Inquires are causing me to get declined for credit. they are not attached to any Accounts. Its very stressful for me, due to my Health. I work hard and I rely on Credit to help me get through my Struggle. if something can be resolved It will help out alot. thanks.

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 2019-02-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Starting on XX/XX/2016 I started the process of Disputing debt through XXXX XXXX who was reporting 10 accounts to my credit reports, all the same, account number but different amounts totaling {$41000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 to XXXX XXXX and again on XX/XX/2016 to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the Metro 2 compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

I provided copies of my 8 different letters addressing each line item on my credit bureaus and copies of the signature required service proof of delivery receipts via UPS along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I closed my escrow account XX/XX/XXXX Select Portfolio Servicing. The servicer claimed to send a check at that time. I called XX/XX/XXXX and was told that it was issued XX/XX/XXXX ( never received ) I requested a new check be issued and was told it would be 3-5 business days. Its now XX/XX/XXXX and I called, they have yet to even issue my check returning those funds as its tied up in a work ticket inside their own system. When I call to find the check, I get told that its a process and a small team. I requested the check be overnighted and tracked - and they say they can not do that. Its ridiculous that I cant get the money back in any other form than a check mailed through USPS, untracked and not monitored. The entire Escrow process is a debacle with this company. They take MONTHS to remove it and MONTHS to return MY money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Experian Information Solutions 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:
Received inquiry notification from Experian for a XXXX  XXXX XXXX Credit Card Inquiry date XX/XX/2020. I reported the inquiry as fraud as I did not submit an inquiry to XXXX for an application. I spoke with a XXXX representative who advised there was never and application placed however there is still a inquiry for XXXX remaining on my credit report. 

Please remove inquiry from my Experian credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Customer service at XXXX XXXX onXX/XX/XXXX is extremely rude and should be fired. They can not even answer a simple question. System is down, I paid for online service and not receiving it. They should offer a discount or credit, for not contractually filling online service contract, and being a 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 explanation
Consumer complaint received 2021-04-07
Company: Experian Information Solutions 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:
I received a inquiry notictification for on XX/XX/2021 for XXXX 
I did not place an inquiry or request an application. The application was placed fraudulently and I am requesting the application be canceled and inquiry removed from my Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
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:
Equifax is still reporting these negative accounts on my credit report : 2. XXXX XXXX XXXX - Date Opened : XX/XX/2019 - Phone # XXXX - Balance {$3600.00} 3. XXXX  XXXX  - Account # XXXX XXXX - Phone # XXXX - Balance {$4700.00} 4. XXXX  XXXX  - Account # XXXX XXXX - Phone # XXXX - Balance {$820.00} I called each one of these companies and they did not recognize me in their database. I even have 3 open accounts with XXXX XXXX and 1 with XXXX XXXX. 
They also said there those accounts belong to another XXXX XXXX who has almost the same social security number than me, except for one digit, but he has the same name as I do. 

These discrepancies are only reported on Equifax. 

Also, Equifax reports an address in XXXX, XXXX  that does Not belong to be or ever has. I would not be surprised if it belongs to the other " XXXX XXXX '' with almost identical social security number than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I reviewed a copy of my credit report and I see that there is a bankruptcy item listed that I'm not aware of. I attempted to contact the company and request verification and received nothing back. I understand that this a violation of FDCPA and need to have the account deleted from my credit profile.

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 2019-03-20
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to Transunion and XXXX and XXXX  but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

Transunion and XXXX are reporting a monthly payment of {$1900.00} and XXXX is reporting {$0.00}. Transunion is reporting the date opened as XX/XX/XXXX and XXXX and XXXX  are reporting XX/XX/XXXX. Transunion and XXXX are reporting the last reported date as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. transunion is reporting date last active as XX/XX/XXXX XXXX is reporting XXXX XXXX is reporting it as XX/XX/XXXX. ALso Transunion and XXXX are reporting it as 120 days late but XXXX  is reporting payment status unknown. There are so many obvious FCRA violations

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 2017-09-15
Company: EQUIFAX, INC.
State: AZ
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 just obtained my free credit reports from all three of the reporting credit bureaus and found out although I had a fraud block, Equifax gave a full credit report to someone in a billing office in an out-of-state hospital, so that a third party could use my credit to charge medical bills. This happened XXXX XXXX, XXXX and I just discovered it on XXXX XXXX, XXXX. I have never been to this state, nor have I lived in this state or been associated with the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the items were erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 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 non-monetary relief
Consumer complaint received 2021-04-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed several disputes in XX/XX/XXXX and XX/XX/XXXX with Experian directly for inaccurate tradeline data regarding a closed account and they have not complied with FCRA guidelines on any of their responses nor have they resolved my concerns. XXXX XXXX account is closed/paid, however they are reporting it as OPEN- allowing HISTORICAL ACCOUNT INFO - No terms apply to closed accounts, Date Closed, High Credit, Activity Designator ( drive last state ), Activity Payment Amount, Date of Last Activity, Charge Off Amount, Pay/Balance/Rating is blank. These fields are used to calculate scores. Please resolve this inaccurate account - verification, and your data is driven by FCRA. Please fix/delete. programming to use comments is never done and should not be done as a resolution.

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 2021-05-01
Company: ENCORE CAPITAL GROUP INC.
State: NC
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:
I have reviewed a copy of my credit report and I show company MIDLANDMCM, account number XXXX is listed as non-verified account. I have attempted on a number of times to have this account reviewed with no luck. I have been violated per the FRCA and also FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation