BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
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:
In previous months, I requested to CREDIT BUREAUS to update the inaccurate accounts which another credit reporting agency found to be inaccurate and had corrected. Due to lack of response which I classify as frivolous, CREDIT BUREAUS have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and FIX my records. Please update the following accounts, DEPTEDXXXX  XXXX Balance {$2000.00} and DEPTEDXXXX XXXX Balance {$4500.00} which XXXX, Equifax and XXXX have failed to provide proper verification and another bureau has found to be inaccurate. CREDIT BUREAUS have 30 days to FIX the accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act 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 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 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 2021-01-17
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I contacted Loan Care about removing PMI from my mortgage. I started my FHA loan when the terms stated that PMI would be removed when loan to value ratio is 78 %. I contacted Loan Care several times and they stated that the value is based of my home 's appraised value of {$190000.00}. I reached the 78 % milestone in XXXX. Since then they have removed PMI payments from my account three times. After I contacted them about removing PMI from my account, they removed a PMI payment from my escrow account to make my payment look like they removed the PMI. If I hadn't checked the payment history, they could have continued removing PMI from my escrow account without me knowing it. They never responded to my message.

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 2022-08-02
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 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 correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TransUnion did not properly investigate this account. They are breaking the law by ignoring me. In accordance with the Fair Credit Reporting Act, the below account, 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 an account without my written instructions. I have never had a collection issue with XXXX and they admitted it. Account in Violation of the Act and Law : XXXX XXXX ( ACCOUNT NUMBER : XXXX ) This account must be DELETED.

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 2022-08-02
Company: Asset Management Outsourcing, 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  Account XXXX XXXX XXXX XXXX ACCOUNT XXXX $ XXXX $ XXXX {$420.00} 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 2022-10-22
Company: TD BANK US HOLDING COMPANY
State: CA
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 XXXX, I received a hard hit inquiry notification on my XXXX Credit Report. The inquiry came from TD BankXXXX XXXX XXXX 
TD Bank opened an account in my name and address for someone wo purchased XXXX separate items from XXXX. I never authorized TD Bank to pull my credit nor was it I who opened the account. TD Bank authorized a credit limit of {$4500.00} in which {$4000.00} was used to purchase XXXX separate items from XXXX. I called XXXX that same day ( after I saw XXXX emails about confirmed XXXX purchases ). 
XXXX is in the process ( with XXXX  ) of stopping the deliveries to my address. The Rep from XXXX gave me a phone number and email address of a person of interest. Even though the account has my name and home address and email address, it also has another phone number and email address as well. I called all XXXX Credit Bureaus today and put a FREEZE and SECURITY ALERT in my file. They also suggest I take this step to further stop the criminal and any further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Westlake Financial Services has been over charging me since XXXX of XXXX have a repossession occurred due to my low income and my XXXX. My car was repos on XXXX XXXX. I paid XXXX directly to the car company.Then The repo yard release my vehicle after I had to go to the police station for a repo receipt. Since then I have been charged everyone since then for XXXX extra .They have been charging me for my car note plus XXXX .I have called them several time to remove these charges.

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 2022-08-02
Company: Affirm Holdings, 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: LDF Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2022 I wrote Evergreen Services to request that they stop collection efforts unless to inform me that a specific action is to take place. Instead, they have sent repeated emails, called numerous times, and each message is the same : " We have an important business matter ... '' Now, even after I sent a Revocation of Authority to Contact Third Parties they are calling my daughter and son and harassing them. First, they called my daughter, XXXX XXXX, XX/XX/2022 at XXXXXXXX XXXX XXXX from XXXX. Immediately afterward, they called my son, XXXX XXXX, XX/XX/2022 at XXXX XXXX XXXX from XXXX. Specifically, they asked my children to let me know that they called her and they have a business-related that they have to discuss with me. I understand that these calls are meant to intimidate, scare, and harass me. I have attached photos of the calls to each of my children as proof of what Evergreen Services is doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2018-05-26
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: Old information reappears or never goes away

Complaint:
I had four collections accounts with XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove them from my credit report, I checked my credit report and all four were removed. Now I received a copy of my credit report and they are there again, I called TransUnion and they told me they will removed them but nothing has happen yet. Please remove all four XXXX XXXX XXXX XXXX collections 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 2022-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened two fraud cases with Bank of America after I was scammed by individuals who took control of another Bank of America owners account. I transferred {$24000.00} to the hacked account over several days and made the final {$6000.00} at a Bank of America branch office. I open a fraud case within 8 hours of the final transfer and before the transfer had cleared ACH. Bank of America failed to freeze the suspect account and allowed the transfer to clear and the scammers to withdraw those funds. I received no relief from Bank of America and feel they failed to protect their customers from fraud in this case. I feel the banks anti fraud systems should have flagged the unusual activity on the high jacked account and should have prevented this string of events from occurring. Bank of America replied to my 2 fraud complaints stating the bank completed the transactions per my request and did nothing wrong. I need Bank of America to explain how an elderly owners account can be taken over by scammers and unusual activity failed to trigger their anti fraud processes. XXXX XXXX XXXX XXXX and need some explanations in this case. 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 2022-08-23
Company: EQUIFAX, INC.
State: LA
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 have no relation to this fraudulent account titled XXXXDEPT OF ED ( XXXX XXXX XXXX XXXX XXXX  XXXX on my credit report. I have not received any service or product from XXXX/DEPT OF ED ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED ( XXXX  XXXX XXXX XXXX XXXX XXXX is a fraudulent account and is inaccurately reporting on my credit report. I can not assume an account I know nothing of to be mine. Due to XXXXDEPT OF ED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX inaccurate reporting I am a victim of identity theft as someone in that organization is using my information without my authorization. XXXXDEPT OF ED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, and I don't know who they are. After way too many attempts to contact them, they failed to disclose an agreement or reply. I addressed this matter to them in writing XX/XX/XXXX and sent a follow-up notice XX/XX/XXXX and another XXXX XX/XX/XXXX and still have not received a response. Within Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act and also My privacy and confidentiality is at stake because of this false reporting. IN REGARD TO XXXXDEPT OF ED ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX under 15 U.S.C 1681 section 602 A. according to the section my rights of privacy are recognized. under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. XXXX/DEPT OF ED never had any instructions from me. 15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization for the agency to provide such report. I never authorized XXXX/DEPT OF ED to make such reports. 15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. ( a ) duty of furnishers of information to provide accurate information. inaccurate information is being reported by XXXXDEPT OF ED. I NEED THIS ACCOUNT DELETED. 


I NEED THIS ACCOUNT DELETED FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: ADP Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XX/XX/XXXX my Wisely card was stolen. XX/XX/XXXX called and had card canceled. 
Never received Statement of Fraud which I was suppose to sign. Called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have Statement of Fraud sent. Wisely claims they sent it each time, never received. On XX/XX/XXXX I received a letter which stated investigation has been finalized, no Fraud occurred. 

I have sent three letters to dispute on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Also sent 2 emails on XX/XX/XXXX and XX/XX/XXXX and no response. 

I've been told there is no number to call that I must email and send letter through mail. 

Fraud transactions : XX/XX/XXXX {$10.00} {$40.00} {$110.00} {$230.00} {$200.00} {$160.00} {$380.00} {$200.00} {$200.00} {$200.00} {$130.00} XX/XX/XXXX {$70.00} {$200.00} {$24.00} On XX/XX/XXXX I was admitted to XXXX XXXX XXXX. My Wisely card had been stolen. All charges were made when I was in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: LA
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 have no relation to this fraudulent account titled XXXX/DEPT OF ED ( XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. I have not received any service or product from XXXXDEPT OF ED ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED ( XXXX  XXXX XXXX XXXX XXXX XXXX is a fraudulent account and is inaccurately reporting on my credit report. I can not assume an account I know nothing of to be mine. Due to XXXXDEPT OF ED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX inaccurate reporting I am a victim of identity theft as someone in that organization is using my information without my authorization. XXXXDEPT OF ED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, and I don't know who they are. After way too many attempts to contact them, they failed to disclose an agreement or reply. I addressed this matter to them in writing XX/XX/XXXX and sent a follow-up notice XX/XX/XXXX and another one XX/XX/XXXX and still have not received a response. Within Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act and also My privacy and confidentiality is at stake because of this false reporting. IN REGARD TO XXXXDEPT OF ED ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX under 15 U.S.C 1681 section 602 A. according to the section my rights of privacy are recognized. under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. XXXXDEPT OF ED never had any instructions from me. 15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization for the agency to provide such report. I never authorized XXXX/DEPT OF ED to make such reports. 15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. ( a ) duty of furnishers of information to provide accurate information. inaccurate information is being reported by XXXXDEPT OF ED. I NEED THIS ACCOUNT DELETED. 


I NEED THIS ACCOUNT DELETED 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 2022-10-22
Company: Experian Information Solutions Inc.
State: NC
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 am writing about the company XXXX, which seems to refuse to remove their information about charge-offs on my credit reports. The account was opened in XXXX. I am also complaining about XXXX and Experian. On XX/XX/XXXX of XXXX, I disputed XXXX card services and XXXX with all three credit bureaus. XXXX is the only one that actually deleted both from my credit report. I have contacted Experian and XXXX several times about this. Experian and XXXX still show the XXXX card services and the XXXX account. I have tried contacting XXXX several times at the number provided, which is XXXX. You can not get anyone if you do not have your account number. It asks you for your account number or if you want to put in your Social Security number. I put in my Social Security number. Then it asks for the last XXXX of the account number. I can not speak with anyone about this because I no longer have that information. 
Whenever I contact Experian or XXXX or dispute this with them, they tell me that it will remain on my credit report. Even though I have advised them there is no way for me to get in contact with them via the phone, this is still their response. I was told the first delinquency for XXXX was on XX/XX/XXXX. If bad credit is supposed to stay on your credit reports for XXXX years, this should have been removed on XX/XX/XXXX. When I called in to speak with advisors from Experian about these XXXX accounts, They stated that the removal date for the XXXX card services was on XX/XX/XXXX, and in XXXX. They stated that the removal date for XXXX would be XX/XX/XXXX. Today 's date is XX/XX/XXXX. Experian should have removed these already. When I spoke with advocates from XXXX, they told me that the XXXX card services removal date would be in XX/XX/XXXX, and the removal for XXXX would be in XX/XX/XXXX. I honestly do not trust that XXXX will remove those XXXX cards when XXXX of this year gets here. If all three credit bureaus are supposed to report the same information, then they should be deleted immediately because XXXX has already done so after I disputed these cards/ loans with them. Another thing I'm incredibly concerned about is the fact that Experian does not show that this account is closed, which it has been for years now. Something needs to be done about this fast because it affects my ability to apply for certain types of credit.

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