BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: FL
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:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Loan was originally with XXXX and was bought by Selene Finance, since then we have had issues with filing paper work, Selene finance claiming we did not have homeowner insurance, ( which we did and have always had ), charging fees for things that were unheard of and when asked to explain what it is they didnt. The end result always being the same, saying they willl put in a request in which we never see any results in and end up with forclosure or there reps hanging up the phone on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-02-25
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: Information belongs to someone else

Complaint:
Experian will not remove the fraud alert form my profile now i can not use my credit cards they have been frozen. 
I never requested to have a fraud alert on my profile this is a XXXX attack on my credit Experian is attacking an old XXXX man they are hurting my good credit when i have worked for years to have good credit!!!!!!! 

I have filled a complaint with the XXXX something needs to be dome about this our complaint case number is XXXX. You will receive an email with a link to your case within approximately 48 hours. XXXX acts as an impartial third party between you and the business in an effort to resolve your complaint. 

Feedback from consumers is vital to XXXX. We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX VA XXXX dob XX/XX/ SS # 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 2019-08-15
Company: Creditor's Collection Service, 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: Account status incorrect

Complaint:
XXXX XXXX Acct XXXX I called and spoke with Ms.XXXX and she indicated that if I paid my debt that they would delete the collection report. I ask them to provide documentation to the fact and she indicated that is not something we do. As a consumer who has a debt on her credit report that she is willing to pay based on what was indicated how can a reputable company make an offer but then not summit it in writing. I then ask to speak with a manger and she indicated her manger was busy and couldnt talk to me. Then she proceeded to say that I could either pay it or not. She didnt indicate the managers name is Ms.XXXX. My concern is now is if this is a reputable company and if so how/why make an offer and not be able to provide it in writing.

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 2022-10-18
Company: Experian Information Solutions Inc.
State: TX
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 Account # XXXX, Date : XX/XX/2022, Amount of {$36000.00}, Creditor : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/2022, Amount of {$19000.00}, Creditor : XXXX XXXX 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 2022-10-18
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX OF XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account XXXX : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : 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 2021-05-22
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened an account under my name under SunTrust and XXXX. I got a letter in the mail with a debit card. I contacted SunTrust immediately and told them that I did not open 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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My consumer report in not 100 % accurate I have research my report thoroughly and found many many unlawful and inaccurate reporting tactics. These tactics are hurting livley hood and I am ubable to live my life and find a stable home for my family. This is unacceptable. I read and researched for myself and found. 
In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 
( Original Creditor : XXXX XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX has violated my rights. 
XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX violated my rights. 
XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States | 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 did not give anyone written instructions to report any unlawful information on my consumer 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 non-monetary relief
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
I have disputed a fraudulent account ( XXXX ) with TransUnion on the following dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their response is the information was verified. I have contacted XXXX multiple times, I can't access the account because my information does not match their information. I have flagged this account through XXXX, filled out their fraud paperwork and did disputes about this account. I have never had XXXX XXXX or owned a XXXX device. I have had XXXX XXXX for the last XXXX yrs if not more. Furthermore the opening date on this account is incorrect. This account was opened somewhere around XXXX. I never paid on this bill because I didn't know it existed until it showed up on my credit report in XXXX or 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 2019-08-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have repeatedly asked Experian to stop reporting delinquent payments which were dismissed in a bankruptcy. They have ignored my requests. My credit scores with XXXX  and XXXX are currently at XXXX and XXXX respectively. Experian reports me at XXXX and sites 10 accounts as " accounts ever late ''. What is the purpose of a bankruptcy if a credit reporting agency can still display credit conditions, primarily payment status, that ultimately diminishes ones credit worthiness far beyond the accepted disclosure of the bankruptcy. It is very clear the government agencies whom regulate their business practices allow them to do whatever they want with no recourse for consumer fraud. What further can I do other than file suit as they hope to compel me to do?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05
Company: JPMORGAN CHASE & CO.
State: NY
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:
Incorrect and illegal late payments reporting in violation of FCRA ), 15 U.S.C. 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Transworld Systems received a collection account on me for a medical bill from 2 years ago. It was {$260.00} and the original creditor was XXXX XXXX. It had been billed to my health insurance and I thought they paid it. I tried to refinance the mortgage on my house and when they pulled my credit report on XX/XX/20 they informed me that Transworld had a collections item on there, and because of that I was denied my refinance. I called Transworld on XX/XX/20 and asked them what they did to notify me of this debt before sending to my credit and they told me they sent me a letter. When I asked for proof of it or a date they sent the letter, they admitted to me that there was a mistake and they never sent me a letter to notify me. I explained to them that since they reported to my credit without any attempt to contact me, they needed to clear this up with the credit bureaus and get it taken off my credit and they refused even after I paid the balance. I did a dispute with all 3 bureaus and they all updated it to say " paid in full '' but are still not removing it from my credit. The next week I received a letter in the mail from Transworld notifying me of the account ( the letter they should have sent to me as soon as they got my account ) dated XX/XX/20 so it seems to me they sent it out when I called them on XX/XX/20 to attempt to cover their tracks but they had already reported it to me credit before XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent letters to the credit bureaus asking them how did they verify the bankruptcy placed on my credit report, I sent clear documentation asking the courts do they release public information to the credit bureaus or third parties and the court responded and said no. The bureaus clearly failed to respond to me in a timely manner and I would like for this information to be removed from my credit report ASAP.

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 2021-02-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
2 years ago I scheduled an appointment with a famous tattoo artist. I was XXXX and wanted to get a memorial portrait for my father. The artists name is XXXX XXXX. I made 2 separate deposits in XXXX each of {$250.00} (  a total of XXXX ). over the course of time I have been rescheduled by him about 3 times, each appointment being months apart. Originally I was supposed to get the tattoo in XXXX. I have now been rescheduled for XX/XX/XXXX. It is ridiculous that it has been so long and I still have not received the services. I have tried to cancel however they claim to not refund any deposits. I have never actually even spoken to a person this is all via text. I tried reaching out to his social media and received no response. I am not sure if I was scammed but regardless I did not receive services when I was supposed to and to wait 2 years for a tattoo is ridiculous, especially because I have never met in person with anyone who works with him or the artist himself. I disputed it with my bank ( Wells Fargo ) in hopes they could help me but they refused due to the no refund policy of the tattoo artist however, again, any communication Ive had has been through text and I was notified on their policy after I was scheduled. I then spoke to a resolution specialist and was told that I will have to wait ANOTHER 5-10 business days for them to reach a conclusion but it seems as though they are trying to side with the merchant which is unfair. I want to make clear that I was aware of this AFTER I made my deposit. I did not have a problem with this but I was supposed to already have received the services. I refuse to wait another year, at this point it does not seem that I will ever receive services. I gave {$500.00} away and NEVER received the services I paid for. I was naive and underaged when I made this transaction and feel that I have been taken advantage of. I am unable to load the messages on my phone because they were so long ago. This is unfair and I hope he is not able to do this to someone else again, banks are suppose to protect their customers from fraud, scams, and unique situations such as mine. There is no reason they should side with the merchant. After this I will no longer bank with them.

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 2022-10-18
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Accounts 1. 
XXXX XXXXXXXX XXXX  CREDITOR : XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXXXXXX # XXXX XXXX. 
XXXX XXXX XXXXXXXX # 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 Negative reports without written consent 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 explanation
Consumer complaint received 2021-10-12
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been waiting for 9 months for BBVA to return the money from a checking account closed by the Enterprise Fraud Department in XX/XX/2021. My checking account was closed by BBVA in XX/XX/2021, due to my daughters ' unemployment benefit checks depositing to my account as they had been for the previous 10 months, my daughter was not a signer on the account. There had been no problem with the ACH deposits for 10 months so I assumed it was okay. I received a letter explaining my account had been closed and after a mandatory 10 day waiting period they would send me the balance or send the money back to the XXXX  XXXX XXXX if there were any disputes as to the rightful owner of the funds. I waited a month then began a daily routine of calling the XXXX Fraud Dept. at BBVA to be put on hold for a minimum of 45 min usually to be hung up on as the phone was answered this went on for 5 months during that time I spoke to 5 different people who all told me the money had been sent to me by US mail as a check. I continued to call after never getting a check and was told by someone that I had withdrawn the money myself months ago, also told by another person that the money was sent to XXXX which it was not. I have spoken to the state comptroller to verify. I got another letter in the mail informing me my accoount was now frozen an they would be sending the balance to my address on file in 10  days. That was over 40 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Upstart Holdings, Inc.
State: TX
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:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from. my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During a period of financial hardship, we were unable to pay an increase of mortgage. We attempted to sell. SPS constantly gave conflicting statements and repeated request for duplication of forms and paper work. We received three offers to sell ; but all were denied. We requested a short sale option, but offers were denied. We also attempted to request a deed in lieu of foreclosure also denied. We contacted the attorney representing the foreclosure sale to request a postponement in order to allow for time to complete a sales offer received, but that was denied. Our RE agent, XXXX XXXX, will be our witness to the frustration and confusing correspondence we suffered while dealing with SPS, Inc. During that time, neither she nor I ever spoke to the same person twice, and none of the representatives we communicated with were familiar with or knew anything about the situation we were attempting to resolve. Every phone call ( at least 2-3 a week ) required us to explain the entire situation over and over ; without any probability of a proposed solution. I have documentation of over 600 pages to support our complaint, including all letters and requests sent to us, repeatedly asking to duplicate information, all offers and contracts from our real state agent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation