BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and closed. There is no outstanding balance to report. The home was originally going to be sold as a short-sale however an offer was presented and accepted. I have attached a copy of the Settlement Letter dated XX/XX/2018 showing the payoff amount on the loan. I have also attached a copy of the Master Settlement Statement as well. At closing, the title company did not disposition the funds correctly and payoff the outstanding debt on the mortgage. Consequently, the mortgage company came back on me and said I owed funds for the remaining debt. With the assistance of an attorney I was able to get this account squared away however, I have been unsuccessful in getting this item removed from my credit report even after contacting the bureaus for help. This false reporting of lates is seriously harming my credit score and this line item needs to be removed 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 2018-05-04
Company: MST Financial Services, L.L.C.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 2021-10-27
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: ONLINE Information Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account several times requesting physical verification from Online Information Services. I mailed all letters certified mail with signed return receipt in XXXX, XXXX, and XX/XX/2018. I do not have a legal agreement/contract with Online Information Services to pay this debt and I asked them several times to remove this account from my credit report. Online Information Services continues to demand payment from me. Per my rights, I requested a copy of the original contract with my signature that says I agreed to pay Online Information Services yet they refuse to provide me a copy.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. Since Online Information Services refuses to provide me a copy of a legal agreement with my signature that says I agreed to pay their company for this debt, they must REMOVE this account from my credit report. 

Online Information Services has responded by sending me a copy of an old statement from another company. Statements are not sufficient in verifying debt. The law states you must provide me a copy of the original contract with my signature. Online Information Services has and continues to violate my rights according to the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22
Company: Peer Advisors, LLC
State: WA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
The contract I have with CELINK ( XXXX XXXX XXXX, XXXX Mi XXXX ) states that the interest rate may change ( date to look at XXXX ) 30 days before " change date " my change date is XX/XX/XXXX. The last change by the company used a date before the 30 days, ( in XXXX ) when XXXX was higher than it was at the contract specified date resulting in a higher rate than it should have been. I complained to them to no avail. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: SC
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 purchased a vehicle from XXXX ( XXXX XXXX XXXX XXXX, XXXX SC ) in XXXX. I have had several problems with the vehicle, receiving empty promises for the issues to be fixed. Once I started to file complaints with XXXX, XXXX, etc, XXXX began sharing my credit information falsely, saying I was denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My American Express credit card offers rewards that can be used in its travel portal, when one selects the desired travel offers, in the end, it charges a higher price, about 20 % than the one offered. I check with other cards portals and they do everything right. 
I bought an air ticket XXXX, XXXXXXXX  to XXXX, XXXX the price in dashboard was {$980.00} after i selected it i was charged for {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: PA
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: VA
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:
With the Equifax hack, I wanted to validate whether or not my identity was included, however Equifax 's own tool to let you know if you were potentially impacted by the hack has been reported to be untrustworthy. So although it reported that I was included in the hack, I have no way to tell if that is true, and it tried to encourage me to pay for its XXXX XXXX process which it charges money for. So now I am uncertain if I am at risk of being the victim of identity fraud, and being coerced into paying money to the people that leaked my private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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: Their investigation did not fix an error on your report

Complaint:
I have been requesting the credit bureaus Equifax, XXXX and XXXX to remove outdated accounts from my credit report for now 6 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of XXXX. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as requested but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are also several inquries in which I honestly do not recall authorization my reort to be pulled and have requested for these to be validated and removed. No response or action has been taken on any of these requests. 
At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, 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 submitted proof of payment for a check that was accepted by XXXX XXXX to Equifax, the check had a restrictive endorsement statement on it. The statement said " cashing means an agreement to permanently remove account from my credit report ''. Instead of Equifax removing the account, they updated the balance of the account and did not investigate the actual dispute, which was that the account must be removed, since the check was accepted for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  OH XXXX SS XXXX DOB XXXX I need the following addresses removed deleted from my report. I have been compromised on my ID and personal information. I have to file a police report and FTC report. Please remove delete : XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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 XXXX Account 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 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 2017-09-12
Company: Experian Information Solutions Inc.
State: KY
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 made several disputes over tradelines from the creditor XXXX and submitted sufficient supporting documentation that the tradelines are fraudulent and must be removed immediately. Experian refuses to acknowledge that XXXX is in violation of FCRA regulations. I disputed the tradelines with XXXX and XXXX  and XXXX then reported that the tradelines are fraudulent and agreed to remove them. However, the creditor is reporting to Experian that the debt is valid and Experian is allowing XXXX to continue reporting these fraudulent tradelines. It is Experians job to ensure that fraudulent credit reporting does not impact the consumer. Therefore, Experian failed to perform their duties and is in violation of consumer protection regulations- allowing XXXX to report these tradelines as valid while knowing that XXXX and XXXX have removed all XXXX tradelines from my credit report due to fraud and other reasons stated in the dispute. I last disputed the tradelines on XX/XX/XXXX and Experian assured me that the tradelines would be removed by XX/XX/XXXX ; this is a promise that was made before. I will not allow Experian to continue reporting these tradelines as valid nor allow them to ignore the facts.

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 2017-09-12
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo took a majority of my payments and put them in Suspense and then brought then out of suspense on a date that made them LATE. Which Then they removed a LATE Fee from the full or more principle payment. THUS they would NOT accept the PARTIAL payment that THEY CREATED. They did this on and off for almost a year. Thus they made me in Look like I was in DEFAULT. 
I filed Chapter XXXX to put a STAY on my account so that they could not proceed with the foreclosure, while I tried to prove to the Bankrupcy Court that I was  NOT in Default. I proceeded with a Proof of Claim hearing which they regularly " continued '' so it took over 8 months until I could get to tell a Judge that Wells Fargo Home Mortgage was scamming my account.That hearing never occurred because their attorney never let it go through BECAUSE attached to the Motion for a Proof of Claim hearing was an Audit from the District Manager of XXXX XXXX XXXX XXXX. Who was willling to be a witness and submitted the audit of the Mortgage account that showed I was 2 PAYMENTS IN ADVANCE AND WAS NOT IN ARREARAGE AT ALL!!!!! 
ALSO while I was in the Chapter XXXX STAY ( freezing my account ) Wells sold, by way of ASSET BACKED SECURITY CERTIFICATES to XXXX XXXX My frozen account!!!! 
The reason Wells Fargo Home Mortgage did this to me was 1. My property appraised for {$360000.00} and I only owed {$120000.00}. 2. I worked at Wells Fargo Home Mortgage for 6 months because I was SICK of how they handled un knowingly, innocent Borrowers Accounts. And could Not stand to be so Unethical to work there, so I QUIT. They were demanding that I sell 125 LTVs and the Crash of 2008 was on the horizon and predicted and very evident. 
I was on the team that created XXXX XXXX XXXX used all over the United States and was in the Mortgage Business for over 17 years and have work at Many Mortgage Brokers and Banks BUT this was completely UNETHICAL and Fraudulent and hurt me beyond belief. And my life NEVER re couped from this huge fraud LOSS created by Wells Fargo Home Mortgage 's, bogus servicing tacits, and foreclosure scam.

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 2019-11-23
Company: Professional Credit Management, Inc
State: AR
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:
I sent a certified procedural verification letter tracking # XXXX delivered and signed by XXXX XXXX XXXX XXXX  from USPS on XX/XX/19 and has been 30 days since they received the letter. I requested documentation of proof of the accounts referenced in the letter to be validated and that the collection agencies, XXXX, any third party or court provide me documents of the alleged collections or public record accounts. And, that XXXX is unacceptable for verification. However, I have not received any response at all from XXXX  and I have not received any information from anyone to verify these accounts. I have exhausted my pro-bono abilities and obviously can not resolve these matters without legal representation. I have disputed and requested actual verification several times and I am demanding immediate removal of these disputed items. Or, I will be acquiring an attorney to represent me in these violations of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Transunion credit report 3 times. I tried to file an dispute on some inquires that were no authorized by me. The first time I called it was XXXX/XXXX/XXXX, the representative stated they do n't do disputes on inquires. The next day I called back XXXX/XXXX/XXXX that representative stated I have to mail in or fax my dispute in. XXXX/XXXX/XXXX called to check the statues on the dispute. Was told they did n't have it, that i need to resend it. Hung up called back same day. The rep stated they received the dispute. That i need to contact every creditor i am disputing with also that I need to get a police report. Went to the police dept where i am located. Was told I cant file a report unless my information was used and gain goods off my information. I then spoke with the Supervisor of the dispute dept. He stated i would have to waite till the inquires fall off. I then asked why do I have to waite for something to fall if its not mines or was authorized by me.

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 2022-06-15
Company: TD BANK US HOLDING COMPANY
State: PA
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:
On XX/XX/ 2022 at XXXX, I recieved an email invoice ( number XXXX ) from XXXX XXXX XXXX XXXX XXXX, reflecting {$2000.00} for XXXX car parts. I then checked my TD Bank account through the app and saw that there was a " pending '' charge of {$2000.00} against my account. I immediately called the TD Bank customer service line to report this transaction as fraud. At that time, I had my debit card in my possession. Incidentally, I reside in XXXX, Pennsylvania, and XXXX XXXX XXXX lists their address as being in XXXX, Georgia. 

TD Bank advised that they filed the claim and they would investigate it. I was advised that within 3-5 business days, the {$2000.00} would be credited back to my account. I was also advised that they would be conducting a complete investigation to confirm that I was not the one who made or authorized that debit. I offered to send any documentation that they might need and was told that they would let me know if they wanted the documents from me. 

I received the credit within 3 days. I then received a call to confirm that I received the amount, the claim was filed, and they were investigating it. I again offered to send any documentation that they might need and was told that they would let me know if they wanted the documents from me. 

On XXXX XXXX, 2022, when checking my balance on the app, I noticed that {$2000.00} credit was reversed on XX/XX/2022. I called customer service again and I spoke with a supervisor ( XXXX ) and was advised that because the claim was filed and denied, there was nothing else they could do. I was told that it was denied because they reached out to " the merchant '' and the merchant provided documentation that I somehow had authorized this transaction. I was told that if I refiled the claim, it would be denied again and that my only option was to go to the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Equifax 's data breach has released my personal information to unknown parties due to the companies lacking protection of my personal information. I have placed a 90 day fraud alert on my reports, but the company has been unresponsive ( Website down, phone numbers busy or disconnecting ) since I had learned of the company 's loss of my personal data.

Company response to consumer: Closed with explanation