BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
None of the options offered pertain to my situation, but I received a notice from National Credit Systems about a debt that was incorrect. A storage company, XXXX XXXX, claimed that I did not give them 30 days notice before vacating and demanded a payment for an additional month. I, in fact, gave them 60 days notice and I had an email and letter to prove it. I contacted NCS within two days of receiving the letter. Despite that fact, they would not return my phone calls and they would not confirm receipt of documents that I sent them showing proof that I had given notification of canceling the storage unit 60 days in advance. When I tried to talk to a manager, the manager cursed at me then hung up on me. They have not investigated the debt and despite me having submitted a dispute for the debt, they have reported the debt to the credit agencies and it is showing up on my credit report. They refuse to return my calls or acknowledge receipt of documents proving I do not owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
My fianc and I are set to close on our first home on XXXX, and we are stuck in an urgent situation with our Wells Fargo mortgage. We are reaching out in the hope that you can help us, because the Wells team we're working with are not able to.

Here is the story : 1. We transferred $ XXXX of assets for the Relationship Discount 2. A Wells Fargo employee issued incorrect contracts ( the interest was calculated without the Relationship Discount ) 3. XXXX XXXX sent those incorrect contracts to my fianc to sign 4. My fianc signed those documents on the understanding that they were the correct documents 5. I have not yet signed the documents Our mortgage broker has advised that Wells Fargo is reneging on the relationship discount completely. Wells Fargo is taking the completely illogical position that because one party has signed the agreement, the only way to change it is to cancel the transaction and start again. 

At $ XXXX over the 30 year, that would cost us {$140000.00}.

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 explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: MN
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 never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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, XXXX XXXX, consumer, am demanding these accounts to be removed from all credit reports per 15 USC 1681c-1 : XXXX XXXX XXXXXX/XX/XXXX Total fraudulent amount : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX fraudulent amount : {$4800.00} XXXX XXXXXXXX XX/XX/XXXX Total fraudulent amount : {$2100.00} I am disputing these accounts per 15 USC 1681b ( a ) ( 2 ). After reviewing my accounts, it shows accounts that I question. In accordance with my rights under the Fair Debt Collections Practices Act, I am disputing these accounts and requestions VALIDATION that there is proof of debt. I am demanding the removal of these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
After XXXX weeks of being unsuccessful with trying to pay my mortgage through the online portal, I discovered through XXXX that there has been a security breach with the loan company/XXXX  XXXX XXXX There has been absolutely no communication from Loancare informing borrowers of this breach, updates, or information on how to move forward to how to actually pay your monthly loan payment. My several attempts to communicate with Loancare have been met with automated messages or being placed on hold until no one picks up your call after an hour. 

I don't know how my personal info could be at risk, how I can move forward to paying my mortgage, or if I will be penalized for a late payment with fees or if my credit will take a hit. I have never missed a payment throughout this lending process. Loancare has not communicated with their borrowers and this is very upsetting to learn about through XXXX, not directly from them. 

https : 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 2023-10-03
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/. I had made a check deposit into my account with TD Bank at about XXXX in afternoon. The next day I expected the check to be clear so that, I can use it for it's purpose and unfortunately I find out that the bank was holding it for no apparent reason. 

Then I called the bank to find out why they are holding up my check and their reason for that was because, of a suspicious purpose and, that it will be released in a week later. However, I asked how many times have they seeing me making the same type of check deposit into my account and everytime I made a deposit it's either suspicious or some nonsense excuses from these company. 

Moreover, even when relatives and friends sent money into my account to help me out from what I am going through the money will still go on hold. And everytime I have to called the bank to release my money, because it's for an emergency situation since I wasn't able to work constantly, because of back XXXX that I recently under went. 

However, me trying to understand the reason for the continuously hold on my check deposit or any other transactions that may take place in my account, does that mean I have to wait for a week for my money... I have a XXXX XXXX XXXX child that I need to provide for, I have to do food shopping, fuel my vehicle and etc. Waiting one week to have a check verification does it have to take that long? One week to wait for a check verification without food to eat for me and family, no gas in the tank for me to go about my daily life... 

What kind of stupid policy is this? Who made all this no brain policies that the banking companies are using to hurt people who are in tough condition like me and many others out there? This nonsense has to stop before someone get hurt at job out there. People deserve 's a better treatment from the banking companies than what we're getting. 

I demanding for a thorough investigation into a banking system like TD Bank and others and I want them to be hold accountable for the illegal action against the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian has given incorrect information and I had to freeze my credit report with them due to bad credit reporting. They have made no attempt to resolve the issue even after I had the situation escalated to superiors. I have no trust in their ability to report accurately 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 2023-01-11
Company: Experian Information Solutions 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 filed a dispute complaint through Experian, XXXX and XXXX Credit Bureaus about information being report on my file, and what the Credit Bureaus keep sending back over and over is that they verified the information and XXXX XXXX verified the account is mine. I am not disputing that the account is mine, what I am disputing is the balance that XXXX XXXX XXXX keeps reporting as being mine, it is not mine, and they are reporting it as being delinquent which has and still is affecting my credit score tremendously. I did not sign a contract with them for a credit card, the card that was sent to me by them did not have an Annual Fee, 2 months after I paid my account in full XX/XX/2022 they sent me an email saying that my account was delinquent, when I called them to find out, what that was all about, they kept transferring me around from one Customer Service Representative after another and no one could tell me why I owed a fee. I have sent Statements of this account showing the account paid in full since XX/XX/2022 to all XXXX Credit Bureaus. XXXX XXXX XXXX sent me a credit card through the mail that I did not apply for, I used the card and I paid the balance in full, there was no Annual Fee for this card. I asked them to send me a copy of a contract that I signed agreeing to pay an Annual Fee and they have not because there is not one. This is what I am disputing, the balance not that the account was mine. I have also asked them to close the account and they are refusing to do so and keep charging that account monthly and reporting it as being delinquent, I have explained this to the Bureaus and they continue reporting it on my Credit. I have worked really hard to build my credit, I have not had any late payments and because of this situation with XXXX XXXX XXXX my credit score has gone from the 700 's to the 600 's.

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 2023-02-19
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:
This account was an insurance claim that was paid out by my insurance provider and the gap insurance provider at the time. The amount that is being reported as a charge off, was actually the amount that me and the company agreed would be wrote off because of the total loss insurance claim. I wrote the company to get validation of debt but the letter was returned to sender. Due to company being unreachable at the address on file. In compliance with 15 U.S. code 1681g ( 3 ) ( a ) ( ii ) ( b ) ( i ) ( ii ) which speaks on disclosure to consumers. The credit reporting company never provided information on how, who, and what information was used to say this account was verified. Being in violation of 15USC 1681e ( b ).

The attached 1099C from shows proof that this account can not be considered as debt. I had to file the amount on my return which the IRS says this is taxable income. Which makes the debt paid and the company policy is to discontinue any collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
According to law 15 usc 1692j section 807. I'm requesting you to validate debt. With my signature, contract date and my social security on file. If, not please delete 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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I hope this letter finds you well. I am writing to bring to your attention the provisions outlined in 15 U.S. Code 6802 and 15 U.S. Code 1681a, both of which pertain to the obligations of financial institutions regarding the disclosure of personal information and the definition of a " consumer report, '' respectively. 

As a concerned consumer, I am aware of the importance of maintaining the privacy and security of my nonpublic personal information. According to 15 U.S. Code 6802, it is stated that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless certain conditions are met. Specifically : ( A ) The financial institution must clearly and conspicuously disclose to the consumer, in writing or in electronic form, that such information may be disclosed to a third party. 
( B ) The consumer must be given the opportunity to direct that such information not be disclosed to the third party before the initial disclosure takes place. 
( C ) The consumer must be provided with an explanation of how they can exercise the option to withhold such disclosure. 

These requirements are in place to ensure that consumers have control over the sharing of their personal information and can make informed decisions about its disclosure. 
Furthermore, as per 15 U.S. Code 1681a, the term " consumer report '' excludes communication of information among individuals who are related by common ownership or affiliated through corporate control. This definition highlights the importance of delineating the types of information that fall within the scope of consumer reports and those that do not.

I kindly request that the department of Education ensures strict compliance with these provisions to protect the privacy and rights of consumers according to 15 USC 1602 ( l ). As a valued customer, I trust that the department of Education is committed to upholding these legal obligations and providing transparent communication with regard to the use and disclosure of my personal information. 

Thank you for your attention to this matter. I appreciate your dedication to maintaining the highest standards of privacy and security for your customers. Should you have any further information or updates regarding this issue, I would appreciate being kept informed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate addresses I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, PR 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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has come to my attention, that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has transfer an account to XXXX XXXX XXXX XXXX XXXX after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$350.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 

Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j

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 2022-10-14
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:
On XX/XX/22 & XX/XX/22 I sent a letters regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-14
Company: Experian Information Solutions 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:
On XX/XX/22 & XX/XX/22 I sent a letters regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 XXXX # XXXX I noticed some inaccuracies in the copy of my credit report. This is not a credit transaction and should not be reported on my credit report. Also what is being reported are in accurate. Please remove 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