BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-19
Company: EQUIFAX, INC.
State: TX
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:
XXXX   XXXX  credit file was removed from all credit bureaus after dispute after glitch with  XXXX   XXXX  or Credit Bureau. Equifax credit bureau reinserted  XXXX   XXXX  without notice.  XXXX   XXXX  was also reinserted as a loan on my Equifax credit file.  XXXX  is a wireless company not loan company and should not be on my credit file.      **In  accordance with the requirements of the FCRA  as s tated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA  611,  Procedure in case of disputed accuracy  [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.    *Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph  ( A ) , the information  may  not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.   *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  5  business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.   Additional information.   As part of, or in addition to, the notice under claus e ( ii ),  a consumer reporting agency shall provide to a consumer in writing no later tha n 5 b usiness days after the reinsertion date.   ( I ) a statement that the disputed information has been reinserted ;  ( II )  the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; an d ( III ) a  notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.   I received no such notification.   This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: FL
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:
These companies : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX  are inquiries on my credit report that was not authorized to run my credit whatsoever. They never had permissible purpose. XXXX will not remove the inquiries and told me they will not dispute them!

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 2022-09-08
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  opened a account in my name without my authority and charged my and sent it to collections now its on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed in sending money XXXX XXXX  no Service was given and my bank refuses to reimburse Me this is not fair I was robbed stolen through XXXX  they refuse to help file a claim and try to get my money back

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 2017-06-19
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:
On  XXXX   XXXX , I disputed unauthorized credit inquires on my report to the  XXXX  bureaus. They responded that they do not handle inquiry disputes and I have to contact the companies directly. I contacted the companies on  XXXX   XXXX ,  2017  and they sent letters back saying that I had to dispute the inquiries with the bureaus because it was on their report.     I did not make these inquiries and the companies and the bureaus are sending me in circles. I have spent over {$100.00} sending certified letters to the bureaus and companies and they are not researching the inquiries or trying to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: AmeriHome Mortgage Company, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
They advised there was a small shortage in my escrow account and they are raising my payments {$94.00} each month. The first person I spoke with today advised they made an insurance payment in XXXX and I looked on my insurance company 's site and they had not. 
I called them back and spoke with another rep who advised that they did not pay an insurance payment and that the escrow was short one month and so they raised the monthly payment for next month. 
Why would that increase so much when my expenses did not? They said it was for a " cushion ''. That is unfair and want it investigated. That cushion is alot for me to pay every month. 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSWORLD SYSTEMS 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:
Please be advised I have requested validation, not verification, of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 

2. What services I am being charged for. 

3. What the cost of each service I am being charged for. 

Furthermore, Transworld Systems, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I requested that the credit bureau do a verification of all information they were reporting on my credit report and they did so and states in written that all information was correct but upon further inspection I did a thorough search and discovered that indeed the credit bureau '' s had not done their due diligence and were indeed reporting inaccurate, and incorrect information on my credit report even after they stated that they had done their research. I looked into the matter and found these following accounts on my report which are as follows : XXXX Acct Number XXXX, as well as these accounts which are XXXX XXXX Acct Number XXXX, XXXX  XXXX XXXX, the information is not cohesive, the dates are all over the place, the name on some of these accounts are similar to my name but incorrect. So I was digging I came across some of the laws that govern how these companies are to behave which is that in accordance with the Fair Credit Reporting Act XXXX  Account # 's XXXX, XXXX, XXXX, have all violated my rights. Also 15 U.S.C. 1681 Section 602 A clearly states that I have the right to privacy.

Also 15 U.S.C. 1681 Section 604 A Section 2, States a consumer reporting agency can not furnish an account without written consent.

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 2017-06-19
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/XXXX I check my credit report to find out that 5 negative accounts and one collection were inserted back on to my report also a total of 11 inquiries. On XXXX XXXX, 2017, i called to get and explanation of why I was treated horribly and as if I was a liar by 2 reps and a supervisor. I offered to send copies of my previous reports and they refused and informed me to file a complaint because they did nothing wrong. I pull the hard copy of my report from XXXX 2017 and XXXX 2017 to make sure I was seeing everything correctly. The account readded were XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. The inquiries that were reinserted were XXXX, XXXX, XXXX, XXXX XXXX,  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Per the FCRA I must be notified within 5 days which has not happen. I have been violated by Equifax and request that these items be deleted permanently and an updated report be sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account status incorrect

Complaint:
Last XXXX XXXX XXXX XXXX XXXX closed one of our accounts and made no mention of the issue to myself via any means. Text, email, USpostal service, phone call. Nothing. When our merchant provider attempted to deposit over {$7000.00} into the account, it was closed unbeknownst to anyone that it was closed. It turns out that XXXX XXXX XXXX XXXX charged a fee that put the account in the negative and then continued to charge over {$300.00} in additional fees based on their first fee. Since the deposit was not able to be made, the merchant provider closed our account on their end, perpetuating the problem. When I contacted XXXX XXXX XXXX XXXX, branch manager XXXX XXXX from the XXXX XXXX XXXX XXXX location at XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX. Phone number XXXX, apologized and stated he would rectify the problem. He would make the fees go away and reopen the account. What he did was submit the fees as a charge off to the Chex system which taints our business record and makes us unable to open any other accounts. He never informed me that we were to be further blindsided by his ineptness at dealing with this issue. 

Upon discovering this in XXXX, I have made more than 30 attempts at contacting him and fixing this issue. No one answers the phone at the branch. XXXX. So I am unable to leave him a message or contact him. I am an hour and a half away from that location so I can not just drop in. I have made phone calls to XXXX XXXX XXXX XXXX XXXX number and they eventually are able to go through some back channel and get someone at the branch to answer a secret phone line. Us lowly customers don't have access to. Upon doing so, he of course is never in the branch. He's the branch manager but he's never in the branch. I was finally able to get one return phone call from him and he promised he would fix the issue 3 weeks ago from today XXXX. Since that day, I have made a plethora of phone calls and emails and he returns none of them. At this stage I have so many dozens of hours vested in this and the stress associated with it that it has become a very substantial issue. And of course, I've been unable to open the initial account that made me realize their mistake in the first place. This has become a very, very serious issue and he knows this, yet refuses to fix it in spite of stating multiple times that he would. This has rapidly become the most inept bank I've ever had the misfortune of dealing with. And I had been with them for 35 years to this point. Something has changed and people need to be aware of it.

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 2017-06-19
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
After returning from  XXXX , I found my credit card was declined in the states. After talking to customer service, I was told there was a breach at a business and I was issued a new card but had not activated it. This breach was found the previous month. There was no new card, no communication to me and I was told I could receive a new one in  7 to 10 bus iness days. They " expedited '' this t o 3 to 5.  I have an issue with the company completely cutting off a credit card in good standing, paid up to date, with no communication to the card holder. I checked phone logs and there were no calls or emails. By a mere one day, I could have been in  XXXX  with no credit card. Also not sure why they let me continue to use it in  XXXX  when they were aware of this Breach.

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 2022-09-08
Company: Experian Information Solutions Inc.
State: MD
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:
Experian continues to report false information on my account. There have be several attempts to clear the errors on my report, but Experian has a generic response of " been verified through third party '' The third party is XXXX and I have contacted this company and Experian hasn't done any investigating of any errors. Experian is showing a bankruptcy on my file but no other bureau has this. Where is the information coming from? Also there are multiple variations of my name on file with Experian. I only have one legal name. The last 4 digits of my social on Experian is wrong. The information is incorrect but yet Experian continues to post these errors on my 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 non-monetary relief
Consumer complaint received 2022-03-13
Company: EQUIFAX, 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:
I've tried for close to a year now to validate the alleged debts Equifax continues to claim verified and falsely leave on my credit report. I have written request to validate letters to the address they have on my credit report and my mail comes back to me as undeliverable. I have tried to call the XXXX number listed for them as well and it is a complete spam number that leads to someone in XXXX. I have attached screenshots of my credit report with the information they have reporting as the contact information for the US DEPARTMENT OF EDUCATION. This has been an ongoing issue with Equifax to properly address my concerns and I have frankly been an emotional wreck. I can't sleep or function because my brand and character are being negatively impacted by this false debt being attached to my credit report. I am demanding once and for all as a federally protected consumer that Equifax REMOVE THIS false claim before civil litigation is pursued. Equifax states this information is accurate and true, updated every month but it isn't. As a credit reporting agency they are completely violating the Fair Credit Reporting Act and emotionally destroying a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
This what I believe to be true and correct. I was out of the country from  XXXX   XXXX ,    2017  to  XXXX   XXXX ,  2017 . When I returned the only documentation I received from my mortgage company dated  XXXX   XXXX ,  2017 , requesting documentation of the income and assets of  XXXX   XXXX  because he was not on the original loan. I mailed this documentation back on  XXXX   XXXX ,  2017 . I also received a later dated  XXXX   XXXX ,  2017 , and  XXXX   XXXX ,  2017 , stating that they received the complaint that was filed on my behalf. I have learned that my property was sold on  XXXX   XXXX ,  2017 , while I still have not received a denial letter from my mortgage company, meaning I thought my paperwork was under review. I have since received a letter from my mortgage company, dated  XXXX   XXXX ,  2017 , reflecting that notification regarding your upcoming payment change per my modification agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Social Finance, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened my bank account with SoFi in XX/XX/XXXX and have not had any issues. I suggested the bank to my roommate and she joined XX/XX/XXXX. We both have check books in the kitchen drawer and she wrote me a check for rent, I wrote her a check for furniture. I deposited the wrong check and immediately contacted them to let them know it was a mix up and to cancel the check but they froze my account. There is NO live agent to speak to, they only have a voicemail set up and say to wait XXXX hours to receive a call back. I have now called over XXXX times and have left several voicemails with no returned call. I have XXXX children and an elderly parent to take care of and this has caused me so much stress. They do not prioritize their customers and they dont even have a real fraud protection team to answer the phones, its all a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent letter to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2019-12-02
Company: National Credit Systems,Inc.
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a reletting fee via money order to XXXX XXXX XXXX in XXXX XXXX AR, owned by XXXX XXXX, however I was later contacted by a debt collection agency stating that I did not pay the debt even though the manager of the apartment complex confirmed that they received it. The manager wont take my calls now to locate the money order and the collection agency wouldnt take my bank statement as proof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I submitted a complaint XXXX on XX/XX/XXXX as far as hard inquires on my credit file without my consent. Equifax conducted their investigation and the company response was that all hard inquires listed in my complaint would be deleted from my credit file. All the hard inquires were not deleted. 8 hard inquires remain. I checked my credit report multiple times after the company response to ensure the inquires were deleted from my credit file and they were not. I called XX/XX/XXXX and spoke to a representative from the fraud department and I was told the remaining inquires were deleted by her and gave me a confirmation number of XXXX. I called XX/XX/XXXX the Equifax fraud department again after seeing the inquires were still not deleted and spoke to a supervisor and he declined to delete the inquires even with seeing the cfpb complaint as documentation. He told me I would have to resubmit a complaint. The fact that Equifax listed each hard inquiry individually stating each would be deleted means the company falsified documents to a federal agency. 

The hard inquires that remain and need to be deleted are * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX  XXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXX * DateXXXX  XXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXX XXXX

Company response to consumer: Closed with explanation