BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: MO
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 XXXX XXXX division keeps reporting false payment information and has my account status closed in collections for arrear payments. I have wrote letters to all 3 credit agencies of this incorrect information. 

I have no missed payments and I am recently divorced as of XX/XX/2022, the judge reduced the amount of the payments and eliminated all arrear payments. I have provided proof of these documents, ( payment history printout from social services which collects this data & my final divorce decree ). XXXX is the only agency that had removed this account with the proof i have provided, Experian XXXX XXXX keep stating the information they receive is correct from the debtor. Which keeps me disputing the same item over and over again. Why are asking me to submit documnets, which i provide, then doesn't take into account of it being valid. 

The bi-weekly amount out of my check is {$410.00} for payments and arrear balance of {$3800.00}. MO family support had never reported any of my payments until i disputed this with the credit agencies, which lowered my credit score significantly .By law they are to report all data each month, which they are not. 

I have disputed these remarks in XXXX, XXXX, XXXX given 30 days of each investigation

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 2022-08-21
Company: EQUIFAX, 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:
I asked the XXXX credit reporting agencies to do a thorough verification of what is on my credit report. They stated everything was accurate and a door research I did a thorough research myself and I found improper and inaccuracies on the credit report Even after they did their investigation. 

In accordance with the fair credit reporting act XXXX XXXX # XXXX date opened XX/XX/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 604A section to it also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair reporting act XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604A section to it also states a consumer reporting agency can not finish account without my written instructions. 
The Credit Reporting agencies did not do a Thorough investigation. 

On XX/XX/XXXX I filled out XXXX application on the XXXX XXXX app for a {$5000.00} loan for the XXXX XXXX XXXX They denied the loan I have an email with the denial. Somehow they kept my application open and recycled the loan document and funded the {$5000.00} loan without my permission and XX/XX/XXXX. I never gave them permission to use my signature for another application. I called the XXXX XXXX they only have a signature from XX/XX/XXXX and they said that it was an electronics signature. They do not have a signature for that XX/XX/XXXX loan. I am immediately reverse the money And sent it back to XXXX XXXX on XX/XX/XXXX. I called them let them know that I did not take out a loan and I do not want their money. The bank manager wrote a letter for me stating that I never touch the money and gave me the federal trace ID when I sent the money back. XXXX XXXX wanted me to pay a {$470.00} Origination fee for their loan. Since Ive never took a loan with them XXXX not responsible for the origination fee. I hired an attorney to write a letter to XXXX XXXX explaining that I did not open alone with them. They will not listen to me and they charged off the loan then sold it to XXXX XXXX XXXX for {$470.00} but XXXX capital can not produce any documentation with my signature on it. When I look at the credit report XXXX XXXX XXXX says this loan came from web bank when it came from the XXXX XXXX I have been fighting with them for over a year to get this taken care of. Equifax and XXXX have removed XXXX XXXX from my credit report but XXXX XXXX is keeping it there they said its verified but they do not have a copy of the original contract for the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
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:
In accordance with the Fair Credit Reporting act the following accounts below have violated my rights. 
XXXX account XXXX XXXXXXXX XXXX XXXX account # XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX account # 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 instructions. I did not give written consent for theses accounts to be on my report THE ABOVE ACCOUNTS HAVE violated my rights. 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. The following accounts are in violation by including transactions and experiences by including late payment and utilization. 
Because of the violation i would like the about accounts in violation of the fcra to be deleted from my report. 

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 2022-06-22
Company: CHARLES SCHWAB CORPORATION, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello to whom it may concern, Ive been banking with Charles Schwab for about XXXX years now, In my name holds a checking and savings account plus ROTH IRA at this bank. In XX/XX/2022 my card was hacked, and used at multiple stores online/In Store. Multiple companies charged my account over two years without any acknowledgment. I immediately contacted the bank to file dispute, but when I called to file a dispute Ive been treated in such a bad manner. Representatives continues to blame me for fraudulent charges instead of doing the correct investigation. Ive requested for my savings and checking account numbers to be switched. I was immediately denied access. Im a victim of identity theft my information is constantly being found on numerous of dark webs. My accounts such as checking and savings, credit card accounts has been hacked enormously amount of times. I think its very insensitive for Charles Schwab Bank to not record every fraudulent transaction instead they blame the customer. I know of a XXXX  American who has this same problem, but has been refunded for every fraudulent transaction. I feel this bank is very insensitive and prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act the following accounts below have violated my rights. 
XXXX account XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXX DISCOVERBANK account # XXXXXXXX XXXX XXXX account # 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 instructions. I did not give written consent for theses accounts to be on my report THE ABOVE ACCOUNTS HAVE violated my rights. 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. The following accounts are in violation by including transactions and experiences by including late payment and utilization. 
Because of the violation i would like the about accounts in violation of the fcra to be deleted from my report. 

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 2022-06-06
Company: Experian Information Solutions 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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that even possible if the open date, date last active and date last reported is not accurate? This is ground for removal and now has forced me to receive documentation from the actual financial institute even showing I've attempted to settle this as the Bureaus tried saying it was on the institution and not them. I also have an entire transcript with a supervisor at XXXX in regards to this repeated issue and requesting to speak with the supervisor of one of the financial institutions I was also on a separate call with trying to solve this issue however that was against the institutions protocols. 

They also violated the law because according to 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions.

I did not give any written instructions.

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 2022-06-22
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I received an email from Wells Fargo stating that my checking account had been changed from a free checking account to a prime checking account which charges a {$25.00} a month fee if my account goes under {$20000.00}. I was not asked about this nor was I given other options. They simply converted my account to this new account. I called and spoke to a representative who told me that the type of checking account I previously had no longer exists I asked why they automatically transferred me to an account that requires a {$20000.00} balance and a {$25.00} fee without asking me first and found out there are two other types of checking accounts that charge {$10.00} or XXXX XXXX a month. either way I was not asked and this seems like it is a dishonest practice for Wells Fargo to automatically change an account without a customers approval or knowledge!

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 2022-06-22
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS XXXX mistakenly sent my XXXX XXXX XXXX XXXX real estate tax payment to the wrong place. Following about 20 telephone calls over the course of three or four months it now appears that they have paid XXXX XXXX effective XX/XX/2022. However, they have sent me a letter stating that I was delinquent and that therefore they insist on reinstating an escrow account to my mortgage loan.SLS has no authority to unilaterally add an escrow account to my loan since it was they who were mistaken and not I who was delinquent. I have asked that they provide me with proof of payment to the county, verify that I am not in arrears with any taxing jurisdiction, and that they will remove the escrow account from my loan. They have been very difficult to communicate with and refused to honor my request and communicate with me. 
Please note that for the first year of my mortgage loan XXXXI had an escrow account. However, I deleted the escrow account based upon their poor performance.

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 2022-06-22
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:
I sent in a letter disputing inaccurate information on my credit report, and they sent a stall letter stating the work was coming from a credit repair company. The thing is It came from me and even if it did I have the right to work with a third party. I send a document basically telling them it is illegal to send this stall letter and they sent it anyways. I will include copies of everything I sent as well as their response. I really do not want to have to file a lawsuit against transunion and or you for doing illegal stuff to consumers. But I am tired of the games and this is exactly why they keep getting sued. I really hope you will step in and make them do their job because that is all I want.

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 2022-06-22
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 IN ACCORDANCE WITH FAIR CREDIT REPORTINGACT THIS ACCT HAS VIOLATED MY RIGHT. 
15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681SECTION A SECTION 2. IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCT WITH OUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCT UNDER AN OPEN END CONSUMER CREDIT PLANAS LATE FOR ANY REASON

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a validation of debt letter on XX/XX/2021 and this company has failed to validate the debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collections activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : XXXX. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 


P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Please remove it from 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 explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00}

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 non-monetary relief