BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-10-03
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to car dealership and ask them to run my credit report for one lender, however I have multiple inquiries without my consent. In accordance with FCRA section 611, these companies violated my right to privacy and my consumer rights! 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 received my received my credit report on XX/XX/2023, from XXXX, Experian, and XXXX. Some information I do not recognize and inquires I didn't not authorize

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 2023-09-25
Company: Telsa Motors Inc
State: HI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I previously submitted a complaint with CFPB ( XXXX ). Tesla responded in writing that they would refund me for an overpayment that I made. CFPB closed the case but Tesla did not issue me a refund. I would like to reopen case XXXX due to Tesla 's refusal to issue me a refund.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: OH
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 have received a credit report from Experian Credit bureau with a fraudulent account issued by XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX. Which is an action of fraud. I had a previous account with self dated back on XX/XX/XXXX with the account number of # XXXX which was marked Paid, Closed/Never late on my report. The Scheduled Payment Amount is consistent through in and through out, from XX/XX/XXXX til XX/XX/XXXX. The fraudulent account was created in XX/XX/XXXX which means that it was fraudulently made during the duration of my successful Paid/never late account with XXXX  The Fraudulent account also reports inconsistent Scheduled Payment Amounts of various Amounts, those of which arent even the policy of XXXX services. I disputed this issue with Experian as well and did not receive the results I deserved in this case. I would like to see this fraudulent account removed from my credit report so that I can continue on with my credit journey. Please and thanks XXXX 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 2023-09-26
Company: AmeriHome Mortgage Company, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Amerihome mortage is not accepting prepayment of my loan Loan number 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 2023-04-08
Company: Interstate Credit Control
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX {$9700.00} XXXX XXXX XXXX XXXX  DEBT COLLECTOR IN XXXX OF XXXX  I GAVE MY CARETAKER A 2-MONTH NOTICE THAT I WAS MOVING OUT IN XXXX OF XXXX BECAUSE I DIDN'T FEEL COMFORTABLE I FELT LIKE I WAS BEING DISCRIMINATED AGAINST SHE WILL PICK WITH ME ALL THE TIME SHE WILL GIVE ME NOTICE OF EVICTIONS ALL THE TIME EVEN WHEN THEY ARE LATE PICKING UP MY RENT I WILL GET A LATE FEE AND I WILL GET EVICTION NOTICE THEY HAVE A DROP BOX IN THE LAUNDRY ROOM THAT I ALWAYS PUT MY MONEY ORDERS IN AND BECAUSE SHE WAS LIKE PICKING IT UP I WILL GET WROTE UP FOR IT I FELT LIKE I WAS BEING TARGET ALL THE TIME MY KIDS FELT SO UNCOMFORTABLE BEING THERE SHE WILL CALL MY KIDS XXXX XXXX EVEN THE SCHOOLS THAT MY KIDS WAS GOING TO WAS BEING VERY XXXX TOWARDS THEM FROM THE HIGH SCHOOL TO THE MIDDLE SCHOOL TO THE ELEMENTARY SCHOOL THE LADY I WAS WORKING FOR XXXX XXXX SHE XXXX XXXX XXXX TOWARDS ME I JUST DIDN'T FEEL SAFE SO I WANTED TO LEAVE AND I ALSO INFORMED HER THAT I'VE BEEN IN A XXXX  XXXX RELATIONSHIP FOR THE PAST YEAR AND I NEED TO LEAVE AS SOON AS POSSIBLE SHE TOLD ME THAT I HAD TO GIVE HER A TWO-MONTH NOTICE BEFORE I CAN VACATE THE PROPERTY AND THAT'S WHAT I DID MY XXXX  CALLED ME AND TOLD ME THAT HE WAS ON HIS WAY TO MY HOUSE TO XXXX XXXX SO I HURRY UP AND GATHER ME AND MY KIDS THINGS AND I LEFT XX/XX/XXXX OF XXXX I MADE SURE EVERYTHING WAS CLEAN WASH DOWN WALLS I DID EVERYTHING THAT I WAS SUPPOSED TO DO XXXX OF XXXX I RECEIVED A DENIAL LETTER FROM A LANDLORD SAID THAT I OWE A PROPERTY {$9700.00} NOW I'VE RENTED FROM PROPERTIES IN THE LAST 3 YEARS FROM WHEN I LEFT XXXX XXXX XXXX SO I CONTACTED THEM TO SEE IF I OWE THEM THEY TOLD ME NO SO THEN I CONTACTED MY CREDIT AND THEY TOLD ME THAT I OWE XXXX XXXX XXXX I RECEIVED A FACT SHEET AND ON THAT FACT SHEET EVERYTHING ON THAT FACT SHEET WAS MARKED AS DAMAGED FROM THE CEILINGS TO THE WINDOWS TO THE STAIRS EVERYTHING ON THERE WAS MARKED AS DAMAGE AND IT IS NOT TRUE BECAUSE I WASN'T THERE TO DO A WALK THROUGH WITH THIS LADY THIS LADY MARKED EVERYTHING ON THE FACT SHEET AS DAMAGED BEFORE I LEFT THE PROPERTY SHE HAD FIXED MY DISHWASHER SHE MARKED MY DISHWASHER AS DAMAGED WHICH WAS A LIE WHEN I FIRST MOVED INTO THE PROPERTY SHE TOLD ME THAT ONCE A TENANT MOVE OUT THEY REPLACED THE CARPETS SHE'S TRYING TO CHARGE ME {$5000.00} FOR FOR CARPET HOW IS YOU CHARGING ME {$5000.00} FOR CARPET WHEN YOU TOLD ME WHEN I FIRST MOVED IN THAT THEY REPLACED THE CARPETS AFTER I MOVED OUT ALL OF THESE CHARGES ON HERE IS SO FAST AND I FEEL LIKE SHE'S TRYING EVERYTHING IN HER POWER TO MAKE ME PAY FOR SOMETHING THAT I DON'T OWE THIS IS NOT FAIR AT ALL AND I'M STEADY GETTING DENIED FOR PLACES BECAUSE OF THIS

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 2023-01-24
Company: I.C. System, Inc.
State: CA
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:
When I received the letter from IC Systems, I called the number provided and I was met with a message saying that this company is not taking my calls. This is a debt from XXXX  that I've been disputing and filed a claim back in XXXX from another collection company tryin to collect on this. This company is also reporting incorrect time of debit as well as reporting this as new. This was placed in collection back in XXXX of XXXX and IC Systems is reporting this as XX/XX/XXXX as being a new debit. XXXX keeps passing this along when I dispute this claim and this company is falsely reporting this as a new debit. 

Below is when this was first on my account and I filed a claim on this company Date Reported : XXXX XXXX, XXXX Collection Agency SOURCE XXXX XXXX, Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XXXX XXXX, XXXX Status UNPAID Balance Date XXXX XXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact SOURCE XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency SOURCE XXXX XXXX, Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact SOURCE XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) 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 2023-01-12
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Wells Fargo is the holder of a line of credit I received through XXXX XXXX XXXX. Im not sure if its considered a Wells Fargo credit card because it has a higher balance than what I utilized from the store. They have informed me that there is a policy that any late payment, even by one single day, is subject to fines that can not and will not be discharged or waived. There is no recourse the public has to contest these fees. There is absolutely no grace period for this either. I had attempted to explain a number of health issues and hospitalizations and technical issues on the side of Wells Fargo that has prevented timely payments.

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 monetary relief
Consumer complaint received 2023-07-10
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Starting in May US Bank ( my mortgage ) sent a check for my homeowners insurance payment. that check was received and applied to my insurance and then my insurance was cancelled due to nonpayment. When I called US Bank they said they sent it to the wrong address and stopped payment on the check and reissued a new check # XXXX on XX/XX/XXXX going to the right address supposedly. I received email confirmation the payment was received and applied to my insurance. on XX/XX/XXXX I received my first cancellation notice for non payment and they again stopped payment on the XXXX check when I asked about it they said it was an error on their part and they would send another check overnighted. Again the check was applied to the account and my insurance was reinstated however a week later the check was again stopped payment on and another check would be sent out overnighted. My insurance has been cancelled now XXXX times because of this and is currently in a cancellation process waiting on yet another check to be sent. My issue is will they stop payment on this one as well.

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 2023-03-09
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: Information belongs to someone else

Complaint:
This is my 3rd 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 items 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  TX ) XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Shellpoint Partners, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I was sent a video that I needed to watch telling me my escrow was negative and my payments were going to be adjusted. I had XXXX options, pay a lump sum of {$1600.00} or have my monthly payment increase by $ XXXX the next XXXX  months. If I took no action the XXXX was going to be the default payment raising my mortgage from {$900.00} to {$920.00}. 
However this was not the case, I received a email that the amount being withdrawn, since we are on biweekly payments was {$520.00}. This makes my monthly payment {$1000.00}.

I called NewRez the week of the XXXX to inquire about this. I was told it was to make sure my escrow wasnt negative again, when I informed them that this payment was the same amount that I owe for escrow, over XXXX months instead of XXXX, I was told that I should have never been offered the 60 month option. I told them, that I was, and I would like that rate. I was then told that it would have to be submitted for manager approval and I would receive communication via email within XXXX hours. I informed them that due to their track record of lack of communication and not resolving issues in a timely manner, that if I didnt hear anything in the timeframe or shortly after I would be filing a complaint. On XX/XX/10 the amount of {$520.00} was processed on auto payment without my approval.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Ive had 2 credit cards opened under my name that I did not open myself. I have filed identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: OH
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:
this company is reporting a bankruptcy on my report and the reporting requirements do not comply with 611 and the info must be deleted immediately.

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 2023-03-09
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under law 1562 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX  Account number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : EXXXX XXXX XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : DEPT OF ED/XXXX Account Name : XXXX 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. States : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other than adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s- ( A ) ( 1 ) A person may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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: Report provided to employer without your written authorization

Complaint:
The information on my consumer report was not accurate and I did not give any kind of consent for my personal information to be shared my right to privacy has been violated I have been under mental distress because of my privacy being violated and the consumer selling my information to third party organization I request that the inquiries be removed off my report immediately or I plan to take legal action I'm aware of my open end credit plan

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 2023-07-10
Company: T.S. Holdings
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:
This company is inaccurately reporting on my credit report. I have tried to dispute multiple times. They are using interest on this alleged account of mine. I keep requesting information in regard to the contract with my signature stating that the debt is mine and I agreed to pay them. They are also reporting as an open collection account when it is suppose to be closed and no interest accumulation on the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
You closed my previous complaint against Apple Card ( XXXX ) without even giving me a chance to respond, which is incredibly rude. I never said that I did not conduct the courses, and I never said that I did not receive a certificate. In fact, I could create a website right now and issue courses and certificates as well. Does that make me a legitimate ACCREDITED institution? This is my argument, and it has been all along. I found this website online and it looked like a good way to earn my XXXX XXXXXXXX XXXX XXXX XXXX, however my company does not accept the " piece of paper '' that is being pawned off as a certificate because it is not from an ACCREDITED institution. As in, most XXXX courses are held at nationally or regionally accredited colleges and require green belt and black belt projects. This website offers none of this. It's a certificate mill. It is part of the greater fool theory. 

If Apple Card and the CFPB is not intelligent enough to understand my argument of accreditation, then I will need to escalate to legal means. As I am one of the four primary plaintiffs suing XXXX XXXX and XXXX XXXX XXXX XXXX at the moment for $ XXXX, I have no problem doing that. It seems quite petty that I can not get a {$500.00} BS charge removed. Pretty low-end for someone with a seven-figure net worth to even be dealing with, but I will not be paying it at all out of the principal of the matter. What do I need a credit score for?

Company response to consumer: Closed with explanation