BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have reached out to you about items on my credit that is not mine. My family is in a situation and needs my help and I cant because of this stuff on my credtt that is not mine. Please remove these items so I can move on with my life. XXXX, XXXX XXXX and XXXX XXXX. There are also alot of inquiries on here that I know nothing about 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 XXXX . I have contacted the FTC and local police.

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 2019-01-23
Company: EQUIFAX, 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 have been victim of identity theft, accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordace with FCRA, fraudulent information should be block from consumer credit file. 
XXXX police report # XXXX is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23
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:
I have been victim of identity theft, accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordace with FCRA, fraudulent information should be block from consumer credit file. 
XXXX police report # XXXX is attached.

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 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
After a comprehensive analysis of my credit report. There are FCRA VIOLATIONS from creditors XXXX XXXX on my consumer 's report. Although, Transunion has deleted the erroneous items and, Equifax has reported positive payment history. Experian continues to report these errors. XXXX XXXX is in clear violation of the following : FCRA 623 ( a ) ( 7 ) ( G ) ( i ) Negative Information from Financial Institutions If you are a financial institution ( as defined in the Gramm-Leach-Bliley Act ) that extends credit and regularly reports negative information about your customers to a nationwide CRA XXXX for example, Equifax, Experian, or TransUnion XXXX, you must notify your customers that you report such negative information. 
Examples of negative information include a customers delinquencies, late payments, insolvency, or any form of default. 

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1681n - Civil Liability for Willful Non-Compliance FRCA 15 U.S. Code 1681b - Failure to Validation of Debt After I sent that complaint letter for XXXX on XX/XX/2021 to adjust the credit reporting XXXX XXXX then falsify more information by adding and removing positive payment history in addition to the negative furnishings Thus breaking more FCRA violations against me. Not only did they update my payment history incorrectly, they furnished new negative information on my account without informing me. Thus defaming my reputation and harassing me from my true creditworthiness. 

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1692d Harassment or abuse FCRA 15 U.S. Code 1666b ( a ) Timing of Payments ; Informing consumer with statement mailed of coming 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 explanation
Consumer complaint received 2019-02-06
Company: Experian Information Solutions Inc.
State: TX
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:
We had a repayment agreement that was fulfilled and the account was paid in full, yet on my credit report it is listed as charge off.

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 2020-04-24
Company: Experian Information Solutions Inc.
State: AZ
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:
So much time. So many errors and laws broken its not funny. Years trying to fight for whats right and i will not pay something thats not mine. All 3 credit reporting agency are not accurately reporting my data and my scores are not accurate. XXXX XXXX, experien, and XXXX I have 3 credit cards in excellent standing and all 3 agencys are not reporting correctly. And also theres a fake collections out of nowhere pops on my reports but all 3 agencys report fake collections i called number and its a ruse trying to get personal data from me i disputed and there investigation is poor and unprofessional. Somehow this XXXX XXXX XXXX got some old paid closed account data and dept is not valid my score dropped 150 points. And theres 2 other collections that are fraud also XXXX this phone number XXXX XXXX XXXX. Im so at wits end with this injustices thats going on with my credit data i have excellent record paying my bills and 3 credit cards 2 bank accounts 1 savings accounts XXXX and XXXX  and no collections. And yet these fake fraud accounts .made up dates. Made up amounts stay on my credit data all 3 reporting companys. How come my 3 credit cards and excellent payment history doesnt show on all 3 reports? Please help so not right years injust inaccurate and very unprofessional service from these credit bureaus.

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 2021-06-12
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 information incorrect

Complaint:
After a comprehensive analysis of my credit report. There are FCRA VIOLATIONS from creditors XXXX XXXX on my consumer 's report. Although, Transunion has deleted the erroneous items and, Equifax has reported positive payment history. Experian continues to report these errors. XXXX XXXX is in clear violation of the following : FCRA 623 ( a ) ( 7 ) ( G ) ( i ) Negative Information from Financial Institutions If you are a financial institution ( as defined in the Gramm-Leach-Bliley Act ) that extends credit and regularly reports negative information about your customers to a nationwide CRA ( for example, XXXX, Experian, or XXXX ), you must notify your customers that you report such negative information. 
Examples of negative information include a customers delinquencies, late payments, insolvency, or any form of default. 

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1681n - Civil Liability for Willful Non-Compliance FRCA 15 U.S. Code 1681b - Failure to Validation of Debt After I sent that complaint letter for Equifax on XX/XX/2021 to adjust the credit reporting XXXX XXXX then falsify more information by adding and removing positive payment history in addition to the negative furnishings Thus breaking more FCRA violations against me. Not only did they update my payment history incorrectly, they furnished new negative information on my account without informing me. Thus defaming my reputation and harassing me from my true creditworthiness. 

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1692d Harassment or abuse FCRA 15 U.S. Code 1666b ( a ) Timing of Payments ; Informing consumer with statement mailed of coming 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 explanation
Consumer complaint received 2019-10-10
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an account with XXXX in XX/XX/XXXX through Ashley Home Furniture. I spent roughly {$2500.00} on furniture and was told that if I paid it off within 1 year, there would be no interest. I paid off my {$2500.00} purchase prior to reaching 1 year which was difficult as a XXXX veteran on a fixed budget, but I did it. The day after the year timeframe was passed, I found that I still had {$300.00} on my account, though I made no further purchases and paid the full amount of my purchase. I not only can not pay that, I will not pay that because I did not make any further purchases and I paid my entire XXXX dollar credit card off prior to 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 monetary relief
Consumer complaint received 2017-10-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I pay my apartment rent every month with my e-check with the management building leasing office. Now after two times my e-check bounced ( due to things out of control ). This month I had the option to use a credit card to pay the rent. My complaint is the leasing office system ( the convenience fees are very high ). For example a {$2000.00} rent a convenience fee of {$52.00} dollars with a Mastercard card. 

I am stuck now with the credit card option. Today I had to pay my rent using the credit card. 

How do the leasing companies, handles these convenience fees, for every time the rent is paid.

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 2019-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a XXXX XXXX / Capital One account that was closed in XXXX. Now it says in XXXX that I have a 90 day in the year XXXX. This bill was sold to a collection company in XXXX or XXXX. This should not show up on as late now!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: American Financial Resources, Inc.
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I tried to make an additional principal payment, using my lender 's web site ( afrmortgage.myloancare.com ). 
To my surprise, after I entered all the details about my payment, I received an error message " Additional principal must not exceed 20 % of the current principal balance of XXXX '' ( see attached screenshot, the message is in red at the bottom ) This 20 % limitation violates the term of my loan - there are no limits on additional principal payments there. 

I have reached out to my lender via Contact us form on their web site, but received no response. 

On XX/XX/XXXX the same thing happened again, so the issue is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
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: Credit inquiries on your report that you don't recognize

Complaint:
Upon checking my personal credit report, I noticed several unauthorized inquires had been made. I have disputed these inquires with you directly several times, with the most recent investigation resulting in you returning all these back as valid, less than 24 hours later, which indicates you did not due your diligence to thoroughly investigate my concerns. After having an Extended Fraud Alert on my credit file DURING THE TIME OF THESE INQUIRES which has now been converted to a Credit Freeze due to a recent theft in my personal information, I am requesting all the inaccurate information be deleted immediately. Furthermore, I sent a CERTIFIED LETTER w/RETURN RECEIPT regarding this and still have the inquires on my report. In light of the recent hacking of XXXX ( and the high possibility of my personal information being released ) in addition to the above information, I immediately request you delete ALL the inquires in the past 24 months from my report and BLOCK any future request for my file.

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 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX. Identity theft has happened to me. I've attached a notarized Identity Theft Affidavit verifying that this report was indeed submitted by me. I did not authorize these requests for information, and I did not validate these charges in the list. I meet all of the requirements for blocking and removing information from my consumer report under XXXX XXXX XXXX. Failure to comply is a breach of my legal rights.

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 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent several disputes into the matter of my student loans and bankruptcy reporting on my 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 2022-07-05
Company: EQUIFAX, INC.
State: AL
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, 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 2019-07-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I currently have a security freeze on my Equifax report due to past fraudulent activity. These companies were not authorized nor was I notified by the companies that this inquiry was taking place. 

On XX/XX/2019, I was notified that the following inquires had taken place, I contact Equifax by telephone and talked to a customer service representative. At this point I was notified that there was nothing that Equifax could do to remove these hard inquires. 

This is why I have a security freeze on my Equifax credit report so that this does not happen without the companies contacting me for verification. Neither of these companies have contacted me either by telephone or mail. 

Hard Inquires made without my authorization or knowledge. 

XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX I have attempted to contact the above companies for an explanation and neither one would provide any assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: NY
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:
the credit bureau is reporting this collection as an " OPEN ACCOUNT '' which it is not under FCRA compliance. This is inaccurate reporting and needs to be deleted immediately. 

collection account on my credit report is XXXX XXXX FOR {$630.00}. 

This is being reported incorrectly as an open account. I need this removed and deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Santander Consumer USA Holdings 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:
I owned this car for 3 months and totaled it in an accident. My insurance company handled the payoff and title was transferred to the insurance company and out of my name XX/XX/XXXX. XXXX signed off on this. ( Doesn't that mean my account was paid in full? ) According to my credit report they claim my account was in good standing in XXXX of XXXX, the car was not even in my name in XXXX of XXXX ... .Fast forward to XXXX of XXXX they have it marked as a charge-off. Chrysler Capital now claims that I owe {$1900.00}. I RECEIVED NO NOTIFICATION OF THIS " DEBT ''. EVER! I found it on my report in XXXX or XXXX and Chrysler is adamant that I owe this money from some vehicle service contract with a Company named XXXX XXXX I declined this when I purchased the car. I even sent them the copy from the dealership that has no signature and lists my email as XXXX ' BECAUSE I DECLINED IT! They will not even discuss this with me now because they charged it off. This is a nightmare for me. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I Spoke with XXXX XXXX re PMI payments were not removed. I have had this mortgage for 14 years, modified XX/XX/XXXX to 4.125 rate FHA 30 year fixed. 
XXXX Claimed pmi was removed XX/XX/XXXX but this was a false statement, she continued to place me on hold and and agreed my payment was NOT decreased, pmt decreased due to tax and ins not pmi.XXXX informed me that they will RESEARCH and call me within a week, that following Mon as I told her if I dont hear back I will report it. NEVER heard from WF since! Never followed up ... of curse! IGNORED AGAIN.Its in my phone records if you need a copy. 
PER FDIC HPA law Lender must inform me that can cancel when I have 20 % equity or auto cancel. WF NEVER sent out any notices re PMI at all! NEVER, They have no right. My mortgage payment increased again this year. See mortgage statement attached.They also closed my checking so I wouldnt have access to my act/ this info ; however I made screen shots that day! They have refused to allow me to review my account online. OVER 4 years have gone by paying my mortgage on time every single month and still paying PMI and I have paid OVER 20 % equity and pmt increased. -statement clearly shows XX/XX/XXXX thru XX/XX/XXXX payments stayed the same {$920.00} now pmts are XXXX, do I not have any rights and WF can do whatever they want? I cant trust this bank as they continue to lie

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 2022-04-07
Company: EQUIFAX, 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 previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. And Pursuant to 15 USC 1681a, the transaction and the experiences between the consumer must not be included in the consumer 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a Debt Validation Affidavit to NATIONAL CREDIT SYSTEMS in regards to an alleged collection account that is listed on my credit reports. I allowed 30 days for NATIONAL CREDIT SYSTEMS to respond with the required documentation according to 15 USC 1692g. They received my documentation according to my certified mailing receipt and have not sent any information. NATIONAL CREDIT SYSTEMS is in violation of 15 USC 1692g by not providing validation and 15 USC 1692j by furnishing this invalidated information to my reports.

Company response to consumer: Closed with explanation