BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XXXX XXXX XXXX.is maliciously reporting to all XXXX credit bureaus : XXXX, XXXX, and Transunion.Incorrectly wth regards to my status on account XXXX have 2 accounts with XXXX XXXX XXXX.One of which was closed due to refinancing.That is account XXXX.I 'm  disputing there error of not acknowledging my last three payments in XXXX XXXX, and XXXX XXXX.Made on account XXXX PRIOR to XXXX XXXX XXXX.closing my account due to refinancing.XXXX XXXX XXXX in response submitted an XXXX credit report.Noting there was no error and there report was accurate.It was submitted on XXXX XXXX.I went on XXXX credit reporting site as well.Submitted as proof that XXXX XXXX XXXX.needs to change the status on account XXXX as current/closed refinanced.On my new account XXXX I was instructed to make a payment of {$100.00} towards my previous account XXXX prior to making my first new payment arrangement of {$130.00} on my new account XXXX.I made the payment on my new account XXXX before it was due on XXXX XXXX.That was my contractual obligation.To XXXX XXXX XXXX.in order to have my previous account XXXX refinanced.I made three payments on account XXXX.Prior to my new XXXX account being opened.I have bank statements documenting payments made twice to XXXX XXXX in XXXX XXXX, and a {$100.00} payment made to XXXX XXXX XXXX in XXXX XXXX.Both payments were made on account XXXX.I 'm asking that XXXX XXXX be held liable for accepting payment in the months of XXXX, and XXXX XXXX.FCRA states that a consumers account status should reflect the most recent activity.Lastly, on my XXXX credit report.XXXX XXXX XXXX.is reporting my closed account XXXX as open, and delinquent.That status is inaccurate.

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 2017-06-13
Company: Clarity Services
State: WI
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:
Clarity Services  Inc  -  XXXX ,  XXXX  Manager.  XXXX  XXXX  XXXX . Obtained a copy of my  Clarity  Credit Report due to a loan denial. Notice Items reported incorrectly including items that have been  discharged  thru Bankruptcy and inquiries that are as old as  XXXX  on  XXXX / XXXX /  XXXX   Contacted Clarity and spoke with a rep (  XXXX   )  to file a complaint, was told that I needed to speak with a supervisor (  XXXX   )  and was transferred said supervisor, she was very polite and stated that would look into my accounts, as far as the inquiries, she stated is their policy to report those for  five  years, to which I advised her that was against FCRA  .   XXXX  said that she would talk to her Manager (  XXXX  ) and would call me the next day. On  XXXX / XXXX /  XXXX   since I received not calls I contacted Clarity again, spoke with  XXXX , she apologize as she was not able to contact me when promised. She gave me feed back on the collections and said that as  Far  as the Inquiries her  Manager   XXXX  was upholding their policy of  five  years, but that I could speak with him directly. She tried to transfer me but the call was disconnected. Received a call from  XXXX , he asked me where I was getting the information, I advised FTC and FCRA, again upholding their policy and advising that FCRA does not state a  two  year limitation on Inquiries and that I could dispute the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have mailed a copy of the letter I received from the bankruptcy courts stating that they do not report a bankruptcy for me to any credit reporting agency.   I have sent a copy of this to Experian, but they refuse to take it off the 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 2017-06-07
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: Credit inquiries on your report that you don't recognize

Complaint:
I did NOT authorize any inquiries that 's on my credit report. Any inquiries from  XXXX   2017  until now are NOT mine and need them removed from all credit reports Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
For 4 to 6 weeks trying to close a mortgage. 
After laboring to get all the documents to them they had everything & I paid for an appraisal. 
Then they needed veiication of tax return from IRS. This took several weeks to get & then they said they couldnt accept it from me ( I faxed everything from the IRS ) IRS had to send it to them & they could not retrieve it because my account was blocked because of fraud??? 
This is Cash Call in XXXX XXXX XXXX XXXX I am more than frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE 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 information incorrect

Complaint:
failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Innovis
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:
sent police report files ftc Federal Trade Commission charges that it illegally assessed more than {$36.00} XXXX worth of fees against struggling homeowners, in violation of an earlier settlement with the FTC. 

XXXX XXXX : In the XXXX XXXX breach, XXXX XXXX people in the United States and XXXX XXXX in XXXX were affected. According to the bank, most of the stolen information came from the credit card applications of consumers and small businesses. ... XXXX XXXX has posted information about the .. 
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in XXXX to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.XXXX XXXXXXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: AUTOMOTIVE CREDIT CORPORATION
State: DC
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:
Automotive Credit Corp.is maliciously reporting to all XXXX credit bureaus : XXXX, XXXX, and XXXX.Incorrectly wth regards to my status on account XXXX.I have 2 accounts with Automotive Credit Corp.One of which was closed due to refinancing.That is account XXXX.I 'm disputing there error of not acknowledging my last three payments in XX/XX/XXXX, and XX/XX/XXXX.Made on account XXXX PRIOR to Automotive Credit Corp.closing my account due to refinancing.Automotive Credit Corp in response submitted an XXXX credit report.Noting there was no error and there report was accurate.It was submitted on XX/XX/XXXX.I went on XXXX credit reporting site as well.Submitted as proof that Automotive Credit Corp.needs to change the status on account XXXX as current/closed refinanced.On my new account XXXX I was instructed to make a payment of {$100.00} towards my previous account XXXX prior to making my first new payment arrangement of {$130.00} on my new account XXXX.I made the payment on my new account XXXX before it was due on XX/XX/XXXX.That was my contractual obligation.To Automotive Credit Corp.in order to have my previous account XXXX refinanced.I made three payments on account XXXX.Prior to my new XXXX account being opened.I have bank statements documenting payments made twice to Automotive Cedit in XX/XX/XXXX, and a {$100.00} payment made to Automotive Credit Corp inXX/XX/XXXX.Both payments were made on account XXXX 'm asking that Automotive Credit be held liable for accepting payment in the months of XXXX, and XX/XX/XXXX.FCRA states that a consumers account status should reflect the most recent activity.Lastly, on my XXXX credit report.Automotive Credit Corp.is reporting my closed account XXXX as open, and delinquent.That status is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
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: Information is missing that should be on the report

Complaint:
Wrong job information on 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 2017-06-11
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
American Education Services h as already reported me 30 days late, and I just received another threatening e-mail from them that they are going to report me 2 months late! I am in an approved forbearance. I just had to send them a payment of {$760.00} so that they hopefully not report me late when I am in an approved forbearance. I have already filed a complaint to have th e 30-day late removed. If they report me 60 days late, then I will have to fight to get the 60-day late removed when I am in a FORBEARANCE.   <P/> They approve forbearances, then they send me bills while I am in forbearance and they charge me late fees. I have attached many bills from them where I am clearly in a forbearance but they are still sending me bills and charging me late fees. I had 12 months of forbearance available to me in    XXXX   XXXX   XXXX   and they   continuously make me apply over and over and over again, every 2 months, even though the application clearly states that they can grant you up to 12 months with  one a pplication. Then in the processing time periods between applications, they harass me for a payment until they " approve '' my next forbearance for all o f 2 or  3 months. Then I make payments, like I did in    XXXX   XXXX   XXXX  , and  then they will backdate the start date of the forbearance to begin on a month that I MADE A PAYMENT, and then suddenly I have less a nd less forbearance available. The proof is there in the paperwork. My poor dad was my co-signer on one of my loans and because of this company, his credit score  dropped when he has credit scores in the  XXXX  and has never missed a payment.  <P/> CFPB, please help me with removing this late payment from my credit report. I need to refinance these loans and get away from this company and I can not do that with the late payment on my credit report. Because of the late payment reporting, my  credit score h as dropped  XXXX  points for a loan that I do n't even owe payments on because I AM IN FORBEARANCE. Please help me, CFPB. Please!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My bank does n't update my acct information in a timely manner so I end up with nsf fees even when my acct is positive

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, 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:
XXXX  XXXX XXXX I just got information from XXXX XXXXXXXX XXXX that moving forward, XXXX will be servicing this account. Please Delete the XXXX  XXXX XXXX Account from my profile from my profile. I have not given written permission for this account to be on there. 
According to 15 U.S. Code 1681 - Congressional findings and statement of purpose As A Consumer I have Right to Privacy, ( Accuracy and fairness of credit reporting4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ) Abusive Practices 15usc1692 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
( 15usc1681 A # 2 ) ( 15usc1602 L ) Gramm-Leach-Bliley Act : They never explain this sharing of my information Any Violation under Truth and Lending is double the Finance Charge 1635 the failed to explain which is a Violation. 

I have not done any business with XXXX XXXX XXXX, I have sign any contract with XXXX XXXX XXXX. My Legal name is XXXX XXXX and not XXXX and there is no proof that I XXXX XXXX owe any thing on this account. I have not been provided any validation on this account. 

According to FDCRA, I have a write to privacy and I have not given any one permission to transfer any account of my mine or my personal information to any one. 
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 2022-04-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 2018-10-13
Company: GOLD KEY CREDIT, INC.
State: ME
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:
Nothing was corrected and i was transferred over and over and over again to so many people who i had to tell the same information to. I got no where and had my insurance company on the line who were upset about the run around yet i coukdnt get anyone on the phone to correct the inaccurate reported information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: SYNCHRONY FINANCIAL
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: Problem with personal statement of dispute

Complaint:
My job was hit hard by Covid ( XXXX ). I did my best to make timely payments, but had to use the payment deferral option for a few months. I talked to XXXXCare CreditXXXX XXXX on the phone ( my fault, now I don't have proof ) and negotiated a three month payment plan that would keep me from being reported to the credit bureaus. I made the payments that we agreed on, and they still hit me with a 30, 60, and 90 day late during this period. With these being the lowest credit cards that I have, I never would have agreed to this if I had known they wouldn't keep up with their end of the deal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo ignored me fo long for unauthorized charge they say it's too late although I have documentation, names dates times of wells fargo contacts.

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 2017-06-10
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The balance in  my TD B ank account ending in  XXXX  is overdrawn  XXXX , this includes a reversal credit in the amount of  XXXX . This credit is for a disputed transaction,  XXXX  from  XXXX  of  XXXX . This is a fraudulent transaction, received no service from this merchant and have not done business with them . TD Bank refuses to further investigate, I was told prior by a TD Bank rep that the credit was supposed to be permanent as the investigation was closed.. However, they rev ersed credit on  XXXX , overdrawing my account. The credit card authorization form provided as proof was not signed by myself, fraudulent. I 've attempted to resolve matter directly with merchant, however, they will not refund charge. I 've stopped direct deposit to this account, please advise  TD B ank I refuse to pay this charge and account will go into collection unless they credit back this charge. Please do not mark this as duplicate, there is additional information contained.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
My husband and I each applied for an individual XXXX XXXX credit card in early XXXX 2017. Our application information was virtually identical as to address, time at residence ( 47 years ), home ownership, annual income, etc. The only differences were that I had a better FICO score ( over XXXX ) and I am a woman. My husband received his card immediately. I was initially asked to provide voluminous additional information, which I promptly submitted on XX/XX/XXXX. I received a phone call from Barclaycard acknowledging receipt of my information, but asking that I resubmit my Drivers License. I did so on XX/XX/XXXX. I have subsequently received three form letters from Barclaycard asking for the same information they acknowledged on the phone that they had already received satisfactorily. I have also phoned Barclaycard twice, and been left on the phone by the Customer Service department for many minutes before they just disconnected. I have never received an answer from Barclaycard as to why they are not issuing me the credit card. ( I am already a Barclaycard customer for two other brand cards, and have a perfect payment record on those cards. ) I believe I am being effectively denied the card, and not even given a reason for the failure to process my application, for the sole reason that I am a XXXX year old woman. This is a clear case of sex and age discrimination.

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 2017-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 began disputing with the credit bureaus as of  XXXX   2017 . Since then, I have received notification from the creditors but I never received documents from any of the credit bureaus,  XXXX ,  XXXX , and Transunion. They have never provided me an update regarding me report thus making it difficult for me to review the activity on my account. I have done research and am aware I should be receiving correspondences betwee n 35 - 45 days which has not happen. In all of my dispute letters, I have always included my address so I am not sure why they are not replying me. I am also well aware that this is against the FCRA which is why I felt  it necessary to express my concern.

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