BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: CITIBANK, N.A.
State: IL
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there several inaccuracies showing on my report? 

CITI BANK is in violation of U.C.C 1-308.4, HJR 192, 12 U.S.C 411 , U.C.C 3-603 , and U.C.C 3-311. 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.

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 2018-11-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2018, XXXX XXXX is NOT reporting my good, on time payments for my car payments. I asked XXXX. rep to correct the problem they caused to all 3 credit bureaus that my payments are late making my credit score decrease immensely. This is fraud. 
I want this fixed NOW.

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 2022-06-11
Company: Affirm Holdings, Inc
State: MD
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:
On XX/XX/XXXX and XXXX I worked with an agent of this company to set up the first round of payments to cure my loans from Covid related unemployment. The agent set one payment up without the cents and the company charged A loan off for XXXX when they had an open promise to pay. Thats issue 1.

2 After I made the first and sole of the next/final payments, the company then posted the accounts as open and late and have not updated now 47 days after payment to include status, paid in full, or the month and amount of payments applied. 

3. On XX/XX/XXXX this company reported the charged off loan as a 90 day delinquency when they no longer owned the debt and it was placed in 3rd party on XXXX XXXX in violation of Consumer Protection Acts and FCRA 1970. 

4. They breached section 16 of their own loan terms for processing charge offs and for reporting any debit related information in timely manners. Their actions on XXXX XXXX is a direct retaliation against my inquiry of the credit report, of them, and pointing out their own material breach making them liable for their own debt. 

5. This company continues to only respond with canned messages and deletes the content of messages that were requested left intact for future litigation. They are actively shredding records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX orgingal creditor XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX orgingal creditor 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 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 2022-06-11
Company: EQUIFAX, INC.
State: CA
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:
Equifax mailed a letter that was dated XX/XX/2022 responding that these accounts were verified as accurate. I received a phone call on XX/XX/2022 from a representative by the name of XXXX, who attested that the accounts referenced ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) could NOT be verified. I asked XXXX, how are they able to report this information, if it could not be verified. She then told me that I needed to call back and have a fraud dispute put in. At XXXX pm pst on XX/XX/2022, I contacted Equifax to make them aware of what was brought to my attention. Two representatives informed me that I needed to file an identity theft report, which was completed via the CFPB. According to the CFPB in accordance with 15 USC 1681a ( q ) ( 4 ). ( 4 ) Identity theft report. The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ... Multiple reports has been filed with the CFPB in regards to this fraudulent information. On XX/XX/2022, another dispute was put in, for the information not belonging to me. I spoke with a representative by the name of XXXX, who provided me with this reference number ( XXXX ) for the dispute. I asked XXXX to provided me with details of who verified these allegations. XXXX confirmed that is was a computer that did the verification and not an actual person to verify, which violates Section 603 of the FCRA on the process and method of verification to investigate the consumer report. An identity theft report for the misuse and abuse of my personal information has been filed with the FTC -- Report XXXX. I would also like to note that Equifax has confirmed that everything on my report has been verified and reported as 100 % accurate. That in fact is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Better Mortgage, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We had a number of issues and delays with Better Mortgage during our refinance in XXXX. We started the process at the start of XXXX and it wasn't completed ( or at least we thought ) until end of XXXX. We've never had a purchase or refinance take 3 months! 

Well, the latest issue just came up today, XX/XX/XXXX. We kept receiving statements from our old HELOC servicing company, but assumed it was a glitch because our HELOC account was with a credit union in XXXX, IL ; however, they outsourced the servicing to a company called XXXX. This was supposed to be paid off/closed during the refinance process. The account with the credit union was closed ; however, we just found out XX/XX/XXXX that the XXXX HELOC for {$500000.00} was still opened almost 8 months later. I called XXXX to stop the statements because the most recent one showed we were charged an annual fee ; XXXX stated it was still an open/active account being reported to the credit bureaus and refused to close our account. I said I have a paper trail with the title company ( XXXX ) and Better Mortgage that we signed the closure form and emailed to them on XX/XX/XXXX. They had " forgot '' to have this included when we signed all other documents at closing, so XXXX  emailed me the HELOC closure form on the morning of XX/XX/XXXX ; I returned by the afternoon of XX/XX/XXXX. 

I emailed the contacts at XXXX XXXX and Better Mortgage with no response on how quickly this will be fixed or how it will be corrected. 

It has adversely impacted us showing our debt ratio higher than it should be with an open line of credit for {$500000.00}. Let alone the time now I've had to take calling 3 different companies, being put on hold to be transferred to the correct departments and babysitting this process to have a major error corrected that we didn't even create.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: LendUp Loans LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$520.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$690.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: MD
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX US SM BUS ADMIN ODA 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 an 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 2023-06-27
Company: EQUIFAX, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This has been going on a while with Wells Fargo. We were in two modification plans with Wells Fargo. On the first one had a great home preservation specialist, XXXX XXXX, she worked closely with us and understood would be making the payments by the end of each month of the plan. She was in contact in the event of any problems. The problem occurred on the last payment of the first plan. Our bank account got hacked and we had that payment bounce. We called XXXX right away and she spoke with her manager and then told us that could put us on another modification but would be dealing with another representative. We got set up on that modification. We got word of the new rep by the name of XXXX XXXX. She was of little to no help. Sent an email that was explaining that payments would need to be made weekly but would be there by the end of each month of the payment plan. She did not bother to acknowledge this email. Another more direct tone was taken and she responded saying that was still okay and she understood. In two other complaints, submitted paid receipts showing that all payments were in fact made. XXXX took what she told us was a payment needed before could get the final paperwork sent out that was for {$20.00}. We paid that and it cleared our account. Then we kept waiting for the paperwork and never got it. Received and email from XXXX XXXX, stating modification was denied. Additional paperwork would be sent to explain. XX/XX/18 received the paperwork but it made no sense to us. We had all ready showed Wells Fargo all the paid receipts. They supposedly received out CFPB complaints but due to work schedules can not speak with them. keep leaving messages for one another. A XXXX from the home office says they are reviewing. They have been reviewing the first one for over the allotted time given by CFBP. Asked for an extension and still have not been able to discuss due to work schedule conflicts with them and us. Sent a second complaint and now received in the mail letter from collection agency acting like we are giving up. The intention is to keep the home but feel like Wells Fargo is not the least bit interested in helping us do this. Continuing the process without even trying to make contact with us via phone or email is just not professional. We also received a check from Wells Fargo stating could not put to our mortgage in the amount of {$88.00}. We never made any payment of this amount to Wells Fargo. the only amount we paid was over the phone on XX/XX/XXXX for the {$20.00}. XXXX should have not taken the payment if there was any problem. She should have been in contact with us and helped to straighten things out.

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 2022-06-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company, Americollect. I did not open or authorize the accounts that you report a balance of {$750.00}, {$68.00}, {$56.00}, and {$56.00}. This fraud account was not opened by or used by me. I've never had an obligation to you or the medical companies you represent. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX  ) to protect my privacy and medical records from third parties. I do not recall giving permission to any medical physician, office, or affiliate to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me. Still, anything more is only to be revealed with the patients authorization and I have never given permission to any physician. However, please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: AES/PHEAA
State: AP
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My loans are serviced through AES. I schedule my payments every month to be taken on the due date. ( please not that my loan payment has gone up every single month even though I pay on time ... so really ... whats the point anymore? ). I received an email stating that my loan was late. This concerned me because I knew it was scheduled to come out on the due date. I checked my bank account and the payment had been taken out. Confused, I logged into my account. On the account summary you can see where my payment was scheduled to come out on XXXX/XXXX/XXXX, the amount fully came out on XXXX/XXXX/XXXX from my account and yet this day ( XXXX/XXXX/XXXX ) the summary page said it was delinquent and had not been received. I emailed AES and their response was : " The payment in question has been located and a request has been submitted to have the payment applied to your account. Please allow up to 10 business days for this request to be processed. We apologize for any inconvenience this may have caused you.

Although the payment has been located and a request has been submitted to apply it to your account, I must advise you of the delinquency on the account until the payment is applied.

As of the date of this email, your account is four days past due for {$190.00}. Late fees may be assessed if the delinquency continues on your account. You may receive calls and letters regarding the delinquency until the account is current. We report the status of your loans to the nationwide consumer reporting agencies each month. '' HOW DOES THIS MAKE SENSE? They have also been calling my co-signer AFTER my payments are made and show that they are made and telling her ( my XXXX old grandmother ) that my payments are n't being paid. SOMETHING is wrong with this company ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 account XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/2021 XXXX - Inquired on XX/XX/2021 XXXX XXXXXXXX - Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX inquired on XX/XX/2021 XXXX XXXX inquired on XX/XX/2021 XXXX XXXX XXXX XXXX - inquired on XX/XX/2021 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 instruction.

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 2022-01-12
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
i call the netspend debit card company. To ask why my debit cards were and accounts were closed. They basically told me that i couldn't get service though them anymore. They said it was do to fraud activity. Or they couldn't identify property something like that. But after asking a a series of questions at i asked at XXXX pm cst. The customer service representative lead me to believe that it may be do to discrimination reasons.

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 2022-01-12
Company: Dana & Pariser Co.,L.P.A.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid in full back in 2020 and still reporting incorrectly on my credit report. I have received 2 paid in full letters yet still reporting incorrectly and by doing this is a great hinderance because it keep showing up. This case is closed and released. Please remove from all three credit reports XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: GA
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:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation