BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: NV
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:
Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} or XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX Open Date XXXX XXXX, XXXX Balance : {$290.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Experian Information Solutions Inc. stated my account was properly investigated, however, how is that possible when the following items are incorrect : In accordance with the Fair Credit Reporting Act, Ex

perian Information Solutions Inc. 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 an account without written instructions. 

The following items are all violations : Experian Information Solutions Inc. : XXXX XXXX violations XXXX Account #, account type, account type-detail, bureau code, account status, monthly payment, date opened, balance, no. of months, high credit, credit limit, past due, payment status, last reported, comments, date last active, date of last payment Experian Information Solutions Inc. : XXXX XXXX XXXX XXXXXXXX Account #, account type, account type-detail, bureau code, account status, monthly payment, date opened, balance, no. of months, high credit, credit limit, past due, payment status, last reported, comments, date last active, date of last payment Experian Information Solutions Inc. : XXXX XXXX XXXX XXXX Name of the original creditor, Account #, account type, account type-detail, bureau code, account status, monthly payment, date opened, balance, no. of months, high credit, credit limit, past due, payment status, last reported, comments, date last active, date of last payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11
Company: Experian Information Solutions Inc.
State: NV
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've gone through the accounts and collections displayed on my credit and I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove these items from my credit report immediately as this is poor judgement on my credit worthiness.Attached is my Identity theft 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 2017-01-05
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Topic! 
Santander bank XXXX Pa. 
I had a checking account bal. of {$1600.00} on XXXX/XXXX/17 a check came in {$39.00} for payment from my account on XXXX/XXXX/17 That same morning XXXX I made a cash deposit of {$800.00} and check deposit of {$350.00} ... 
My account was charged a {$35.00} overdraft fee ..Santander bank has been doing this and charging these fees on a regular basis..at times the bank fee is correct in the overdraft charge ... but at this point with a cash deposit to cover the fee that same morning seems excessive and fraud to me ... 
Sincerely, 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
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX  Balance : {$820.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$900.00}.

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 2015-03-30
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I had to cancel my Banana Republic Card due to freud charges. I forgot to update my online payment through my bank and paid on my old account. Because of this, Synchrony Bank has been calling my none stop about not paying my bill. I have called them several times and they told me it takes 15-20 days to transfer my payment from my old account to my new account! They froze my CC and I ca n't even use it! I have a copy of my bank statement which shows I even paid them and the payment was on time. They wo n't unlock my CC until my payment has been transfered. I even made another payment and because they have n't posted it yet, they still wo n't unlock my CC. I even made an early payment the month before and they charged me a late fee!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I am requesting that it will be removed from my credit report as soon as possible.

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 2022-07-17
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1605 Section A. Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end 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 2019-03-13
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband, XXXX, and I have submitted several complaints through the CFPB. Each time Wells Fargo comes back and claims they did nothing wrong. We are seeking help from the CFPB. We do not qualify for programs for the lower income folks. We are not minorities. We are XXXX  upper middle class, educated people who were taken advantage of by Wells Fargo. 
We were victims of predatory lending in XXXX. We refinanced our home because we needed cash to pay down some of our credit card bills. As you are aware XXXX was right before the market crashed and our home was not worth what we refinanced it for. Wells Fargo put us in a 40 year loan at an interest rate of 9.63 %. They knew when they did it that we would never be able to pay it off. They knew it was a bad deal and they were smug when we signed the documents. 
In XXXX I had to take a different position because the economy had gravely effected my business. In XXXX my husband was unexpectedly laid off for a year. He was the major bread winner of the family. We tried at that time to work with Wells Fargo. Every time my husband spoke to them they talked about a new program ( HARP ) coming out that we may qualify for. Well as time went on we missed payments and had racked up credit card debt. In XXXX we received a foreclosure letter. We took money out of our retirement to pay up so we wouldn't lose the house. In XXXX of XXXX Wells Fargo foreclosed on us. 
Currently, I have been working dilligently to pay off credit cards. I have gotten our credit scores up to the 700 's. My husband had been rehired by his company a year later and is still there. I have been working for the same company since XXXX of XXXX. 
I am XXXX and my husband is XXXX. We plan on working another 8 to 10 years. We would like to buy a home and can not wait 7 years. We can't afford a lawyer to individually go up against a giant like Wells Fargo.

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 2021-07-02
Company: EQUIFAX, INC.
State: CT
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:
The Equifax response to my complaint XXXX was non-responsive. Since I have been significantly damaged by their actions, score drop of 86 pts in 1 month after successfully refinancing my home for {$570000.00}. I have filed a small claims action in XXXX XXXX XXXX seeking {$10000.00} in damages and/or referral to NY State Attorney General against Equifax/XXXX  XXXX XXXX. I will be filing a complaint with the Connecticut State Attorney General shortly as well. 

Equifax/XXXX  must be ordered divulge the exact statistical method, factors, parameter estimates, confidence intervals, false negative/positive rates, point estimate errors and other such data as to ascertain the efficacy of their credit scoring business and the harm it can inflict on individuals like me. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: SN SERVICING CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX is deceased. XXXX XXXX, I'm the owner of XXXX XXXX XXXX XXXX XXXX MD XXXX. I Took over mortgage payments in XXXX. 

I was unaware I had to pay XXXX XXXX, additional {$98000.00} XXXX XXXX XXXX balance XXXX for previous refinance, by the deceased homer owner.

The bank want the lump sum at one time So I to File bankruptcy XXXX, in order to keep my home. 

According to bankruptcy court she had a Orginial fixed rate loan payment with a due date pay off was in XXXX, which I still paid beyond the due date. 

According Master bankruptcy court my attorney was to investigate the loan as directed by the judge on the fixed and ballon payment. 

The judge said it was fixed loan. I'm still paying loan {$87000.00} 9.8 % rate interest XXXX principal. 

XXXX XXXX sold mortgage to 3 times to subsidiary banks such XXXX XXXX servicing, SN Servicing Corporation. 

Since then XXXX cash my homeowners insurance check to fix {$6200.00} foundation in XXXX, never return it to fix foundation. 

Homeowners insurance also sent need new roof XXXX and the SN SERVICING CORPORATION received the check from my Insurance is still holding that check for over a year, and I can not get roof or foundation fixed due to this issue with my mortgage compand and im still paying them for the loan through bankruptcy court. 

My ceilings have molded, also part ceiling fallening, and my income tenant move out. This is also a health hazard to me and my family. Roof still leaks. I'm still in bankruptcy paying mortgage to SN Corporation ... about $ XXXX so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Experian Information Solutions Inc.
State: VA
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:
Me and my wife flied for Chapter XXXX Bankruptcy and we where Discharged recently. I send a copy of the US Federal Bankruptcy documents and copies of our drivers license to Experian asking them to update our credit files and also send us a copy of our update credit files, they refuse to send them. We have received our copies from XXXX with out problem, but Experian is playing a run around game, I am asking your agncy to investigate this and have Experian do what we asked in the letter submitted to them in July 2019. My wifes last 4 of her social is XXXX  her date of birth is XX/XX/XXXX her name is below and included in this complaint. Thank YouXXXX XXXXandXXXX 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 2021-07-02
Company: NRA Group, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received an unusual text from National Recovery Agency about a debt with a Maryland utility company, XXXX. I had never heard of National Recovery Agency and I have never received a text message in place of a letter from a collection agency, with a link to pay processing fees in addition to the amount owed. A few hours later, I received a call from the original debt collector, XXXX, who had no knowledge of or connection to National Recovery Agency. Fearful of a scam, I contacted XXXX directly and took care of the balance. I then called National Recovery Agency and spoke to a XXXX XXXX. I explained what happened and asked to be removed from their list. I explained that I didnt know if their tactics were legal, but that I no longer wanted to be contacted by them. XXXX XXXX became belligerent, and abusive, telling me that I only called to argue and then she abruptly hung up on me. This behavior, in total, is unacceptable.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Shared without my consent, credit inquiries from unknown sources ... 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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
YOUR COMPLAINT To whom it may concern Transunion, XXXX, XXXX The following inquiries were not authorized by me please delete them I have never 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 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 instruction I never given my permission for a company to inquire about my credit states any inquiries made are unauthorized the presences of these inquiries on my credit report constitutes inaccurate information which under the fair credit reporting act must be removed once your investigation is completed please send me a copy of my updated credit report. I am a victim of Identity theft and the accounts listed below were established without my consent. I have enclosed a copy of my police report as proof that I have been a victim of fraud and I am Disputing these accounts understand that it is your responsibility to insure maximum accuracy in according to the fair and accurate credit transaction act all Fraudulent accounts must be deleted by a police report I demand that you remove these fraudulent accounts have hurt my ability to obtain any credit. Thank you for your cooperation

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 2022-07-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
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: Information belongs to someone else

Complaint:
I have been back and forth with Equifax attempting to recover from identity theft. several items were notated to all 3 bureaus but Equifax refuses to accept my identity theft report and formal disputes of those said items. I have written them 4 time since XX/XX/2019 but they continue to violate the FCRA section 609, 611, 616, and 617. They never furnished me the information needed to conclude that those account are being reported legally. I have attached my initial request to Equifax as proof they received the dispute. I'm now prepared to forward all 4 disputes as a record of the willful non compliance of this bureau. their inaccurate reporting of this unverifiable information has and still continues to cause me damages and emotional frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent TransUnion a formal complaint about inaccurate and incomplete information on my credit report. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on 6 accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate accounts and under the FCRA, unverifiable accounts must be removed. Accounts to be verified or removed immediately. XXXX? XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Original CreditorXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX. On XX/XX/XXXX I sent a demand to comply letter letting them know their failure to respond in a timely manner. They have not complied with 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 explanation