BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: KY
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

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 2022-07-27
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid 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:
I went to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. XXXX. On XX/XX/XXXX, XXXX XXXX processed a XXXX XXXX payment of {$390.00} payable to Discover. The payment went through but a wrong account number was referenced. Discover received and cashed the payment ( According to XXXX XXXX and the XXXX XXXX ) I have been working with XXXX XXXX who is the supervisor ( XXXX ) XXXX and/or XXXX. Discover first requested a copy of the receipt which was provided. Then they came back requesting I tell them the account number the money was deposited to. I told Discover they would have the information, not me. I had a three-way call with Discover and the XXXX XXXX . Discover requested a routing number and the endorsement of who cashed the check. I have had to open 3-4 dispute resolution requests. Discover just keeps closing them and sending me a letter saying it has been resolved. Discover credited my account about 4-5 months later. In XX/XX/XXXX they placed the chargeback on my credit card saying they credited the account one too many times and I now owed them the original disputed amount. I have filed a complaint with the XXXX  and Discover refuses to budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Their insurance department is forcing " hazard insurance '' w/o any reasoning or cause. My home insurance renewed and my insurance company has provided the proper documentation as it is stated on my documentation. I have uploaded my policy when it was due, but a week later I'm still receiving mail about not having home insurance. 

They note on their notice that the insurance they purchased is significantly more expensive and can cover less that the one I have. No other material on dates purchased or what's covered was included. 

Also, why is my load getting sold and bought multiple times a year? Switching companies creates unnecessary burden on the mortgage holder. This insurance information should be transferred seamlessly.

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 2022-09-19
Company: EQUIFAX, INC.
State: IL
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 following accounts/account numbers have violated my rights : 1XXXX XXXX XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX XXXX Account # : XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # : XXXX 4. XXXX XXXX XXXXXXXX Account # : XXXX 5. XXXX XXXX Account # : XXXX 6. XXXX XXXX XXXXXXXX Account # : XXXX 7. XXXX. XXXXXXXX XXXX XXXX Account # : XXXX 8. XXXX XXXX XXXX Account # : XXXX 9. US DEPARTMENT OF EDU Account # : XXXX 10. US DEPARTMENT OF EDU Account # : XXXX 11. XXXX XXXX Account # : XXXX 12. XXXX XXXX XXXX  Account # : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 following accounts/account numbers have violated my rights : 1. XXXX XXXX XXXX  XXXX Account # : XXXX 2. XXXX XXXX XXXX Account # : XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # : XXXX 4. XXXX XXXX XXXXXXXX Account # : XXXX 5. XXXX XXXX Account # : XXXX 6. XXXX XXXX XXXXXXXX Account # : XXXX 7. XXXX. XXXXXXXX XXXX  XXXX Account # : XXXX 8. XXXX XXXX XXXX Account # : XXXX 9. US DEPARTMENT OF EDU Account # : XXXX 10. US DEPARTMENT OF EDU Account # : XXXX 11. XXXX XXXX Account # : XXXX 12. XXXX XXXXXXXX XXXX  Account # : 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 : 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 2022-09-19
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:
The collection from XXXX XXXX XXXX XXXX XXXX XXXX  - amount of {$4600.00} has not been verified, is being reported to two different credit reports, have not been given noticed about who owns the account/collection, nor has given evidence of authorization to be added to 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 2021-08-03
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, I spoke to a customer service representative from the XXXX XXXX XXXX and entered into agreement to purchase automobile insurance. I spoke to the representative for an hour and I was told everything was okay and the payment of {$120.00} had been processed. I kept watching my checking account and I noticed that the funds were available, but they were not withdrawn. The customer service representative said that the payment had been successfully processed, so I continued to draw available funds from my checking account. 
Then, I received a letter from the XXXX XXXX dated XX/XX/2021 and received by me on XX/XX/2021 regarding the Notice of Rescission of New Business Policy. The reason for the Rescission was for nonpayment of the initial premium payment. However, I was told the payment had been processed but that my financial institution refused to honor the transaction. When I contacted the XXXX XXXX XXXX, I was told that I had to make a payment of {$210.00} by XX/XX/2021 to be insured with their company. 
In addition, The funds were available in my checking account and savings account. I received a letter from PNC Bank dated XX/XX/2021 that I had exceeded the number of permissible transfers allowed during a monthly service charge period. This is the first time I ever received any type of communication from PNC Bank regarding such a matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2022-11-26
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act, XXXX XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX XXXX XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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 2022-06-24
Company: Experian Information Solutions Inc.
State: VA
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 have been disputing fraudulently, incorrect information, accounts that do not belong to me, accounts that need to be deleted and removed due to length of time, etc. and I have noticed that in the last 3-4 years my score with Experian no matter what has only updated from a XXXX to a XXXX and I want to know why this is the case. I no longer see XXXX XXXX XXXX listed on my credit report with them due to the length of time but no increase in my score. I have made on-time payments, etc but no increase with regards to my score. Why is this the case and why hasn't my score changed, updated, etc with them in 3 years and when it did only by XXXX points  given the fact that I have lost 100 or more points with them as a result of incorrect and negative information and my score in 3 years has only increased from a XXXX to a XXXX. Why is this the case? I want an investigation launched into this because something is not right here at all. My score should have increased tremendously by now as a result of items being deleted, removed, updated, etc. but it has not. This is not normal to me and even when I was working and making payments on time etc my score was always at a XXXX after I lost 100  points or more and I never ever received the full amount of points back that I lost as a result of anything. Credit bureaus have to notify you of any information that is deleted, removed, and updated with regards to your credit reports and this has not been the case with me in dealing with Experian either.

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 2022-06-06
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX Account # 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 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 2022-06-06
Company: EQUIFAX, INC.
State: NJ
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 XXXX  Account # 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 without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Genesis FS Card ServicesXXXX XXXX XXXX XXXX XXXX had a fraudulent charge on XX/XX/2022 from XXXX XXXX  ( Florida XXXX # XXXX for {$130.00}. I contacted Destiny and they canceled the card and issued a new one # XXXX. They assured me when the refund from the company came through it would go on my new card. They did not do that! When the refund came through on XX/XX/XXXX they refused it. I want my {$130.00}, they have been charging me interest on a fraudulent charge, so I want that back as well. I am a senior on a fixed income and can not be out {$130.00} for something I did not purchase or receive. When can I expect a result? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: WELLS FARGO & COMPANY
State: MN
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:
I was overdrawn on my checking account and I deposited funds to cover yet still they will they will not release those funds even though I verified through the bank and the website that funds were cleared. They have no reason to hold this check. It is a corporate check. They are simply taking my money for themselves at this point and gaining interest on it as banks will do, procedure is all they can tell me. I have no income right now and that check would have made a huge difference in my life but Wells Fargo chose to ignore this fact. For purposes of my recon : check # XXXX has cleared through XXXX XXXX. XXXX also shows that the check has cleared and been paid. Somehow, Wells Fargo in this digital age has no clue. I find this hard to believe. My personal thought is they want to keep those funds, even if only for the 10 days they say is mandatory. Given their # of customers, it would add up to millions of money they are holding for themselves that they they should not be.

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 2019-02-16
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
Wells Fargo is falsely reporting information to the three credit bureaus, XXXX, XXXX, and XXXX. They are reporting payments as late, when they are not. They are reporting this account as closed, when it is not. They are reporting this vehicle as a repossession, when I have custody of the vehicle and am currently making payments on this loan. They incorrectly charged this account off, 18 days after receiving the XXXX payment. They refer to the XXXX payment as a redemption payment, It is not. It was a reimbursement for impound fees that my daughter incurred. This payment needed to be made before XX/XX/XXXX, to avoid repossession status. It was made on XX/XX/XXXX. Wells Fargo is showing, incorrectly, on my account that I paid this payment on XX/XX/XXXX. 

Screen shots of this account has the amount that I paid incorrect, as well as the date. I am just a cosigner to this loan. They are adversely affecting my credit, while they are still receiving payments and this account is current. They have reported the XX/XX/XXXX payment as 30 days late. It is not. They had this account locked out until XX/XX/XXXX or XXXX, XXXX. I made the payment on XX/XX/XXXX. It posted XX/XX/XXXX. This particular payment, just a couple weeks ago showed as being made on time, on my credit report. Now it has been changed to 30 days late, which is incorrect. 

The account in question is listed in the documents that I will provide. I have included documents showing that I paid to have this vehicle towed to my residence on XX/XX/XXXX, as well as screenshots of the account. I currently have complaints or disputes open with XXXX, XXXX, XXXX, and The Ohio Attorney General.

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 2019-02-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
In mid-XXXX and again in mid-XXXX I used the official annual credit report phone number to order a free credit report from Equifax. I never received the free credit report or an explanation of why it wasnt delivered. Ive used this method for years and never had a problem. Can someone please tell me why Im not getting my free credit report?

Company response to consumer: Closed with explanation