BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-24
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian is refusing to investigate some inaccurate items that is on my Credit Report. I have sent in numerous disputes to have these items removed. Ive even sent in a copy of my driver license and social security cards to have the inaccurate items removed. I have asked them to sent me verification that these accounts are mine. They just continue to send letters saying they verified the acounts. The accounts are XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. # XXXX. These accounts are inaccurate and they failed to response within 30 days to validate the debt.

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 2015-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have informed Trans Union many time that XXXX XXXX bank has fail to verify the accuracy of this account Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] .The amount owed is incorrect XXXX XXXX bank claim to have received payments I did not make. my name is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dates include : XX/XX/2018 Amounts : {$1200.00} Actions that were taken by the company : False and misleading information listed on my credit report. The information displayed is not Fair and equitable to me. I have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to validate and verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective federal agency. 
I am requesting that XXXX XXXX XXXX  presents debt validation, debt verification, Original Instrument, proof of owernship, as well as the bonding agent in case a suit has to be recorded in federal court. Did XXXX XXXXXXXX XXXX  creat a 1099-C on this account? This Company listed above is held liable for identify thief. If XXXX XXXXXXXX XXXX  does Not send me anything back it stands that you have Accepted my offer and moving forward also applying the Above Instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Bread Financial 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: Information belongs to someone else

Complaint:
The following accounts appearing on my credit report are fraudulent : XXXX XXXX XXXX XX/XX/XXXX {$1000.00}, COMENITYBANK/XXXX  XXXX  XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$3600.00} I reached out to the XXXX, XXXX and XXXX  credit bureaus several times .The last correspondence was XX/XX/XXXX. I have received no valid response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Transunion removed the original account which wasnt mine and replaced it with a collection account that has a payment date that didnt match what the original creditor stated. XXXX  XXXX was removed lvnv funding remained

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 2019-12-06
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I transferred {$250.00} in XXXX to overseas using Western Union. Paid {$250.00} with my XXXX XXXX Credit Card. The transfer was treated as Cash Advance, so XXXX XXXX charged me additional XXXX , and more as interest. When I called XXXX XXXX, they explained that this was due to Western Union Transaction, and they said there was no way for me to pay this fee unless I pay off my balance. I called Western Union, and they said they would do their best in the future to notify their customers better on what this transaction would be treated as. When I searched online, I found that many other people were impacted negatively from this cash advance transaction, and they did not find out about it until they saw that they were charged for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: EQUIFAX, 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:
My wife and I sent investigation requests to the credit bureaus in early XXXX. We have yet to receive our deserved responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC Systems Inc originally sent me a letter inXX/XX/XXXX for a debt by XXXX XXXX. I told them that I was disputing the debt debt because I canceled the contract with the original creditor. In XX/XX/XXXX IC Systems Inc placed this debt on my credit report without them investigating my dispute.

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 2020-04-13
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I want to apply for mortgage forbearance due to unemployment from COVID-19. The company SunTrust allows forbearance but a lump sum payment is due at the end of the forbearance period. This is silly, If I had the $ to pay a lump sum I would just continue to make payments. Where is an unemployed worker suppose to get a lump sum? Unemployment benefits are significantly delayed and are only a fraction of my normal payroll. 

This is predatory lending because they say we will see if you qualify for a re-finance afterwords. Really, another loan application with all the closing costs associated with that. This is not fair or should be illegal if the US govt. is going to help the mortgage companies to get through the forbearance period.

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 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. This debt is not mines

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 2019-12-18
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 am a victim of identity theft. This debt is not mines

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 2015-06-24
Company: Seterus, Inc.
State: AL
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We are behind on our mortgage by XXXX payments and some late fees. My husband arranged for XXXX payment to be made from our checking account on a certain date ( following his next payday ). I have since received XXXX phone call requesting immediate payment of the entire amount owed and XXXX calls that I did not answer ( prior to the scheduled date ). Serterus has both of our cell phone numbers and it seems that, since my husband has arranged a payment, they are now calling me.

Company response to consumer: Closed
Consumer complaint received 2022-05-12
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 XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX Account # XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I called into transunion in XXXX and spoke with a supervisor about XXXX XXXX accounts that I had that where due to come off my report. I told him that the open date and the date of first delinquency was wrong and according to my records, it was time for them to come off my report. The supervisor told me that if I called back in XXXX of 2016 and requested a supervisor to look at the accounts, they would remove them immediately. I was ok with this because it was only a few months. I called back today and requested a supervisor. I told him what I was told in XXXX and that I wanted them removed. He looked at the accounts and told me that because of the dates they have reported, it would be XXXX of this year before they would be removed. That is not what I was told and the dates of the accounts being opened are not the same as what they where when I called in XXXX. I think that is the reason why this supervisor said they wouldnt be removed for another 10 months now. There is also a collection associated with XXXX of these accounts that should be removed as well because of the dates of first delinquency. The accounts are XXXX with account number XXXX, XXXX with account number XXXX, XXXX with account number XXXX, and XXXX XXXX with account number XXXX. All XXXX XXXX accounts where opened on the same date and the last payment was made at the same time. This was over 7 years ago which means they should be removed according to the FCRA. I just want the accounts removed like they said they would do since it is past the time they should be reported. I do not want them disputed as I did that already and I think that is what caused the dates to moved and now I am having problems getting them removed. Transunion needs to honor what they say and remove all XXXX accounts since again, they are past the time that they should be reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-13
Company: Performant Financial Corporation
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:
On XX/XX/2017 A Company who calls themselves PERFORMANT FINANCIAL CORPORATION was allowed to tap into my Consumer Report without my permission. They did an inquiry without my permission. This is Common practice with the Consumer Reporting Agency without Consumer Consent. I want these Foreign agencies to Cease and desist reporting my information, without my Consent, They allow anybody to get into my File without my permission. Please take all of this information out as I have asked on several occasions. This identity theft has got to stop. Send me {$100000.00} for this blatant intrusion into my files.

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 2020-04-13
Company: Experian Information Solutions Inc.
State: MN
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 to Experian on XX/XX/2020 for a balance update for XXXX XXXX. I paid the balance in full on XX/XX/2020 and XXXX XXXX  said that they update the credit bureaus at the end of the day each Friday. I recieved a response to my dispute on XX/XX/20 stating that the dispute was resolved and that no changes needed to be made. I called XXXX XXXX on XX/XX/2020 and they confirmed that the balance was paid onXX/XX/2020 and was reported to the credit bureaus at the end of the day.

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 2017-02-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX accounts reporting on my credit report as delinquent -- XXXX from XXXX 's and the other from XXXX XXXX. I have disputed these accounts multiple times, but they nevertheless have not been corrected. 
The XXXX 's account does not belong to me. I have never had an account with XXXX 's. The account was opened in XXXX 2016, and apparently was never paid. The notation indicates it was charged off. I have also contacted XXXX 's advising them that this is a fraudulent account. 
There are also XXXX currently open XXXX XXXX accounts -- XXXX with a zero balance and XXXX with an approximately {$1600.00} balance. I disputed these accounts due to not recognizing them. While the matter was in dispute, XXXX XXXX reported these accounts as delinquent. I disputed each XXXX XXXX or five times over the past six months. Once I finally received verification from XXXX XXXX, I quickly paid both accounts. However, they are still reflecting past due payments. I was under the impression that creditors were not permitted to report an account delinquent while it is in dispute, and once the dispute is resolved, the creditor must give the cardholder an opportunity to make payment before reporting the account delinquent. The person 's name I was dealing with at XXXX XXXX is XXXX XXXX. Her number is XXXX ext 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 2023-02-24
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a business account with Wells Fargo. I reported fraud. I called WF to let them know that my purse was stolen with all my information and ID and credit and debit cards, and my cell phone. My business acoount at that time have XXXX balance and WF allowed to this fraudster to used my bedit card and withdraw XXXX on XXXX2023 4XXXX times total amount {$810.00} and WF charge me XXXX for each transaction. And my account is negative right now because I am not willing to pay something i did spent PLUS there was NO FUNDS on my account. I had call WF many times and they told me over and over We denied your claim because we believed ITS not fraud! I email the little proof i have that my purse was stolen and I emailed the information from my verizon insurance were it says they are replacing and send a new phone due stolen device. WF told me we received your email with this proof but still believed its NOT 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 2022-07-21
Company: Creditor's Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector has violated my rights under the FDCPA so many times. They failed to provide documentary evidence that I owed them the alleged debt that they reported to the consumer reporting agencies. After I sent them my Cease and Desist and Debt Validation documents, they removed the negative account from my consumer reports, but the fact that they removed it, proved that they were violating my rights and they are liable under 15 USC 1692k for the violations.

They were sent an Affidavit of Truth and that stands unrebutted ; an unrebutted Affidavit stands truth in commerce. This further proves that this debt collector is being willfully noncompliant and they are to be held responsible for the violations. 
I have sent them an opportunity to cure due to them defaulting and they completely ignored it.

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 2019-12-07
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint previously about this new lender and their inconsistencies with my loan since it was transferred to them. They replied to that CFPB complaint and said that I didn't need insurance escrowed. After getting their response letter I did further investigation and was told my my HOA that I am not covered under the condo or master policy as stated by my lender and that since I am considered HOA ( there are condos within my neighborhood ; however I am not one of them ) I needed to purchase my own insurance. I left it alone and decided to pursue insurance on my own. 
Fast forward to today and I show a debit for XXXX on my account. I called customer service and was told that this company re-added the insurance back to my account and are now saying that I need the insurance. Why is the payment XXXX and not what I had previously paid when the loan originated? XXXX was the company I selected for my home insurance policy but the lender says they have no clue of this. Why? I need this corrected and for my payments to reflect consistently with what I had agreed to when i closed on the loan XX/XX/XXXX. I need this lender to show me what I agreed to and explain any differences in payments as well as explain why they are sending the payment to homesite and not XXXX since I am considered HOA. I need to understand why they have now changed their mind yet again and started taking out the money that they refunded to me per my previous complaint with CPFb, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I am getting charges for walmart credit that I payed off last year. I XXXX XXXX have not made or authorized any charges to that account since and it is now affecting my credit badly.

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 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 uploaded additional documents also have a Identity report they still refuse to remove information off my credit report I have no knowledge of these accounts and its hurting me to apply for anything.

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 2021-11-13
Company: EQUIFAX, INC.
State: UT
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX/XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Consolidated Information Services Solutions, LLC
State: TN
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:
XACTUS pulled my XXXX credit report resulting in a hard inquiry on XX/XX/2022. I never filled out a credit application, or gave permission for my credit to be pulled. I have contacted XXXX directly twice to dispute the inquiry and have been told the inquiry is valid and will not be removed. How can the inquiry be valid if I never filled out a credit application with any bank that used XACTUS morgage to pull credit?

Company response to consumer: Closed with explanation