BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX 30 days late on XX/XX/XXXXXXXX XXXX XXXX 60 days in XX/XX/XXXX, XXXX XXXX 30 days in XX/XX/XXXX, and 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 non-monetary relief
Consumer complaint received 2020-01-08
Company: Colony Brands, Inc.
State: WY
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 a balance on my Credit Report from Country Door. I disputed these charges, they state on Credit report Charged Off as bad debt ; Dispute resolved ; reported to grantor. Closed XX/XX/2018. It still remains on my report where it is being marked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: EQUIFAX, 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:
Good afternoon, I am writing to CFPB regarding my identity being stolen and used to obtain credit without my authorization and now I have been stuck with the bill and my credit taking a hit. Please if there is anything you can do to help me remove these fraudulent accounts tarnishing my credit profile I would greatly appreciate your assistance in this matter. I have tried with the credit bureaus and debt settlement companies as they have said they can help and have gotten nowhere. I have heard that cfpb actually gets the job done. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In accordance with the Fair Credit Reporting Act, XXXX has violated my rights under the law 15 U.S.C 1681 Section 602A - I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604A ... .Section 2 - A consumer reporting agency can not furnish an account without my written instructions. The following account numbers have violated my rights under the law 15 U.S.C 1681 Section 602A and 15 U.S.C. 1681 Section 604A : Collections Accounts : XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # 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 2022-06-14
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following account is a result of FRAUD ... and Identity thief, I have already filed a disputes with the XXXX major credit bureaus. 

Amsher Account # XXXX pursuant to 15 U.S.C. section 602 A states I have the right to privacy ... ... also it states under 1681 section 604 A section 2 : states that a consumer reporting agency can not furnish an account without my written consent ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: NY
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 Bank 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 with my 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 explanation
Consumer complaint received 2022-06-14
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
I got into a car wreck on XX/XX/2022. My vehicle was immobile. I have insurance through XXXX and after performing a proper estimate the vehicle was deemed a total loss on XX/XX/2022. XXXX 's total loss department and I XXXX XXXX have tried on multiple occasions to in contact with the insurance department of Wilshire and no one would answer and we would get sent to a survey. XXXX wants a perfected title with Wilshire as the lien holder and it has yet to be given. It is causing me and my family to be put in a predicament where we have to come unnecessarily out of pocket for rental vehicles and also not have the remainder settlement amount to get a new car. Again XXXX needs the perfected title to pay off the loan amount and to release anything additional to me. Wilshire has been everything but helpful and has sent us on complete runarounds about this issue.

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 2020-01-08
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Through the months of XX/XX/XXXX through XX/XX/XXXX, a contractor in our home was using a Home Depot credit card stored in a first-floor drawer. He rented a sander, bought tools, and parts for his own use over this time period totaling approximately XXXX dollars. During this time not once did Citibank call me to alert me of erratic consumer behavior based on any of my past years. This contractor thief made about 55 purchases in one 30 day period and was shopping in Home Depot stores far from my home. These purchases also exceeded my credit limit and were further allowed to go through, again without any notification from the cardholder company, I reported these fraudulent charges to Citibank who is the bank Home Depot uses. They told me they would take 90 days to investigate and get back to me. I called XX/XX/XXXX, to get the status on the situation as it was weighing me down over the holidays and I wanted to know if it was cleared up. The representative told me the investigation was concluded and the fraudulent charges had been removed, They also told me I had a credit balance and said they would send a check for that amount. XX/XX/XXXX, I received an envelope from Home Depot assuming it was the refund check, The envelope was not a check but a letter stating that the investigation was complete with a different conclusion and that I was held accountable for the fraudulent purchases. I called Citibank/ Home Depot and spoke with three people on XX/XX/XXXX including XXXX , XXXX, and XXXX. All three representatives verified that the account was deemed Fraudulent XX/XX/XXXX. They were confused about the most recent letter dated XX/XX/XXXX, sent to me. They eventually transferred me to a woman named XXXX who said based on her investigation the account is not fraud-related. I expressed that I did not benefit nor ever give permission for anyone to use my credit card. I have since reported this theft and fraud to the police department and am awaiting a detective 's phonecall and police report to attach to this file. The police report number is XXXX, filed with the XXXX, Connecticut Police Department.

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 2017-07-20
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:
XXXX will not delete the the hard inquirires and collection and negatives on my credit report. Also I received a Retaliation and Discrimination response from XXXX XXXX and XXXX on XXXX XXXX,2017 .XXXX called me XXXX XXXX , my name is not XXXX XXXX . My name is XXXX XXXX XXXX and I am XXXX American. My credit scores and credit are suffering because of the major Retaliation from XXXX  XXXX.XXXX is Discriminating and Retaliating against me because of my XXXX American National Origin as a XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of fraud and have since put a fraud alert on my file..I recently took a look at my credit reports and saw a overwhelming amount of inquiries that I do not recognize nor do I recall authorizing..I stated my concern to all three credit bureau 's through a complaint with the BBB to no avail in regards to having the inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In the months of XXXX and XXXX 2017 Wells Fargo reordered the transactions made daily which resulted in being charged more overdraft fees.

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 2020-01-08
Company: Experian Information Solutions 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:
Today XX/XX/2020 I discovered an account and many inquiries on my credit report that do not belong to me. I did not have anything to do with this account or inquiries and I did not allow anyone to open this account or make these inquiries in my name using my personal information. I don't know who did this but I already filed a police report ; I did not benefit anything from these inquiries and account nor did I ever made any payments towards this account that was opened in my name. I have never had any written or verbal contract with any of these companies and I did not give them permission to run or access my credit information.

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 2020-10-06
Company: Sequium Asset Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was notified about the amount of {$110.00} owed to XXXX by Sequium Asset Solutions in XX/XX/XXXX. I paid XXXX directly the entire amount owed on XX/XX/XXXX. I have proof of the paid account/account closure, dated XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, Sequium Asset Solutions, made additional debt collection efforts for a paid account by reporting these fully paid debts to XXXX and XXXX. These attempts to collect a debt that was already paid are affecting my ability to obtain mortgage loan approval.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Blackhawk Network Holdings Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Issued a rebate from mass save through " XXXX  '' for {$40.00}, could not activate it on their website, their phone line actively ignores touch tone inputs. The website has some kind of broken XXXX policy but I'm not going to diagnose it for free. Card was mailed to me around XX/XX/XXXX. It says it'll expire by XX/XX/21 but the website kept rejecting that expiration. I think the electrical companies that back XXXX XXXX got scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
PLEASE DELETE PREVIOUS ADRESSES THEY ARE WRONG I NEVER USED THEM AND NEVER LIVED AT THOSE PLACES I EXPECT THE COMPNAY TO DO THEIR JOB THIS IS THE XXXX TIME TRYING TO FIX THIS ISSUE SEE LETTER 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 2021-01-31
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I opened a {$40000.00} line of credit with XXXX XXXX XXXX  in XXXX used it a few times over the years and paid the amount off each time within the time frame, without any difficulties. I received a letter dated XX/XX/XXXX stating they were no longer offering baking products and they were transferring my loan to a company called Specialized Loan Servicing LLC. I had no balance at this time and decided I just wanted to close this account as I no longer had use for it. I called SLS LLC and was informed that I would be receiving a welcome packet and that I could take care of it then. I never received a welcome packet and when I continued to call, in XX/XX/XXXX I was told that I needed to submit my request in writing along with a copy of my drivers license to a XXXX XXXX in XXXX, Colorado, which I did. This exercise took Three ( 3 ) days to complete because of different people I was transferred to, dropped calls and people in different parts of the country. After a brief period I was contacted to submit a copy of my property insurance and the declaration page of my flood insurance. I have these items with XXXX. After more haggling and transferring I was told that I didn't need those items, They already had them. But I needed to submit in writing again with a copy of my drivers license a request to completely close out this loan, which I did. On Friday XX/XX/XXXX, I received a letter From SLS LLC stating that they were " Suspending access to my line of credit and this suspension will be in effect until this condition no longer exists! '' and that I may request a reevaluation of this condition at a later time. 
I Have a XXXX balance on this HELOC, there is not a mortgage on my property and all I am asking is that I can have a statement that this loan is completely closed and that I won't have to deal with SLS LLC ever again. I believe these people deal in deceptive business practices and would appreciate any help that you could offer. Thank You

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 2022-01-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
SPS assumed my 2nd mortgage effective XX/XX/XXXX. We submitted a subordination request in conjunction with a refinance of our primary mortgage loan & rec 'd confirmation of the request from SPS dated XX/XX/XXXX. On XX/XX/XXXX, we were informed that they couldn't complete the subordination agreement b/c they were not listed on the deed/title as the 2nd lienholder. For more than 6 months, we called and waited for them to get the matter resolved. In XX/XX/XXXX, we were informed that the subordination was approved. On XX/XX/XXXX, SPS finally mailed the signed subordination agreement. However, they added a clause that the refi couldn't exceed a certain amount, which was lower than the refi. So, we had to go back to them yet again to get the subordination agreement revised and re-signed. It is now XX/XX/XXXX and we still have not received the correct and executed subordination agreement. This has been going on for 9 months and has cost of countless hours and thousands of dollars in interest paying on our first mortgage with an 8 % interest rate b/c we haven't been able to close on the refinance at a 4 % rate while waiting on SPS. We also have had two appraisals expire during that time and have had to order and pay for two new ones.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
I XXXX XXXX XXXX Filed a complete and Accurate Dispute with XXXX XXXX and XXXX letting these credit agencies know that Im a victim of identity theft and I demanded them to remove all credit inquiries I also demanded XXXX to remove a fraudulent collection from my personal credit report in the amount of {$4400.00} from XXXX XXXX XXXX and all inquiries which are fraudulent which I sign in and demanded a dispute so XXXX are aware Of the Dispute XXXX did not investigate nor did they remove that fraudulent account from my personal credit report After sending in a Filed police report theft affidavit driver license and proof of address XXXX also acknowledge the receipt of my documentation however XXXX did not remove or block that information from appearing on my personal credit report According to 605B after a knowledgeable of documentation those items are supposed to be blocked from appearing on my personal credit report Currently as a XX/XX/2022 The judge ordered XXXX and XXXX to pay me {$1000.00} per violation XXXX is still failing to remove those fraudulent items and collection and anchorries as I stated before now this situation is going into XXXX XXXX XXXX XXXX is still reporting negative and fraudulent information Accounts are : ( 1 ) XXXX XXXX ( 2 ) Possible finance in amount of {$970.00} Also ( 3 ) XXXX XXXX also XXXX is reporting fraudulent and inaccurate late payments From possible finance XXXX & XXXX Funding Also XXXX did not remove XXXX XXXX XXXX. XXXX XXXX from my personal credit report which is fraudulent according to the fair credit reporting section 605B any consumer that identifies identity theft shall demand Credit agencies to remove or block that information from appear on their personal credit report however XXXX and XXXX XXXX to protect my consumer rights Also Chexsystems did not complete a Full investigation banks that are being fraudulently Reported is XXXX XXXX XXXXXXXX XXXX And all inquiries Which XXXX XXXX is already aware of and I have already supplied documentation and FULL COMPLETE 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 2020-01-08
Company: EQUIFAX, 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 had an auto loan with XXXX XXXX, opened in XXXX of XXXX. I closed that account in XXXX of XXXX by paying the loan off. Since the loan was paid off, XXXX XXXX or Equifax continued to show the account as open and that payments were being made. Some of the payments listed after the account was closed in XXXX of XXXX showed as late payments. Payments continued to show being made to the account up until XXXX of XXXX. The account was paid in full and closed in XXXX of XXXX. Late payments for this closed account showed for XXXX of XXXX, six months after the account was paid in full, another late payment showed in XXXX of XXXX, two more late payments were reported in XXXX and XXXX of XXXX. I have filed five disputes with Equifax, each dispute was closed and the information remained on the credit report and continued to be inaccurate. I called XXXX XXXX five times, they stated that the account was closed in XXXX of XXXX, they showed the account closed and they stated that they would send a letter to Equifax. All disputes have been closed with both companies and the information remains incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: BARCLAYS BANK DELAWARE
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:
In 2017, BarclayCardUS reported a 30 day late that was not late. I disputed this through the CRA 's and it came back as resolved. 

Last month, during the Covid crisis I was late on my payment due to work related issues, but it was not 30 days late which it is reporting on all my reports. When I spoke to the company they indicated they are making no concessions related to Covid which is insane considering how impacted this country is.. Now these late payments, the only TWO negative marks on my credit score, are impacting the rest of my finances and causing other companies to lower my limits and change my interest rates. 

I would like BarclayCardUS to remove these late payment reports. If they are unwilling to do so, I would like BarclayCardUS to remove the entire tradeline from my report so I can continue with my potential home purchase. 

I have attached the XXXX  report which shows the Barclay account and the dispute resolution, and two printouts from bank statements showing the payments.

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