BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
Company: TMX Finance LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was never late for a payment my payment was due on the XXXX of every month so I was a day late this month XXXX 2023 payment was made XX/XX/2023 so I called days ago letting them know I was gon na be a day late so XXXX at the XXXX sc branch on XXXX XXXX told me Thursday it would be fine I also told her I wanted to renew my loan an so she said you'll need to pay XXXX Saturday that's with the interest so Saturday i noticed it said I need to pay XXXX so I went to the store spoke with XXXX I told him I'm having issues with the app it's saying my location wasn't on I couldn't get it on he couldn't either so he looked he said yes its saying XXXX a month so he called someone and next thing I know all of a sudden I'm a high risk customer he said I was late on payments I said not true I pay before the XXXX every month I was late this month one day late so he advised me to sign papers once we get through the app I did this my payment jumped to XXXX for no reason they did this to get more money from me I've paid these people off 3 times prior no problem the app said my payment is XXXX  monthly after XXXX made the call I'm all of a sudden high risk with no late payments but one even though the app wasn't working correctly they charged me XXXX for them to do a in-store renewal I will never do business with title max they are rip offs and not to be trusted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written consent or instruction.15 USC 1666B : states a creditor May not treat a payment on a credit card or loan payment account under a open end consumer credit plan for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-20
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company continues to violate my consumer rights under the FCRA. They reporting inaccurate information about and close account that shows open with a balance. The images are below

Company response to consumer: In progress
Consumer complaint received 2023-12-07
Company: NAVY FEDERAL CREDIT UNION
State: CA
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 Want All of these inquiries deleted immediately because I did not authorize these companies to Run my Credit that is Fraudulent!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had ( 2 ) Capital One credit card accounts. One of which was late and payment plan establised and the other account was paid in full. Instead of Capital One providinng me the opportunity to rectify the account ; it was sold to XXXX XXXX XXXX. I established a verbal agreement, along with email verification that an agreed upon payment plan with rectify the outstanding balance in ( 4 ) payments of {$60.00}. We also agreed that the account would be deleted from my credit report as well as satisfactory reporting to XXXX, XXXX and XXXX. With that being said, both accounts are being reported as collections to the ( XXXX ) credit reporting bureaus listed above. 
Per the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. 
Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Freedom Mortgage found a {$610.00} surplus in my escrow account and sent a check payable to my husband and me. On XX/XX/XXXX I sent them a letter, certified copy of my husband 's XXXX XXXX, and the check, requesting that they reissue the check in just my name. Since then, I have called on XX/XX/XXXX ( XXXX ) and was told they'd get back to me on XX/XX/XXXX. Nothing. I called again on XX/XX/XXXX ( XXXX XXXX and was told they would do a direct deposit and took my bank information. Nothing. I received a letter dated XX/XX/XXXX acknowledging receipt of death certificate and condolences, but no check. I wrote another letter on XX/XX/XXXX restating all of this. No response. This is a VA loan, because my husband was a XXXX XXXX XXXX XXXX. Freedom bought this loan from XXXX XXXX, but it is impossible to deal with 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 explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After numerous attempts to get the CRAs to abide by FCRA and CFPB, I am not request for XXXX, Transunion, and XXXX to permanently delete the accounts that ( has been attached to the file ) for deletion according to FCRA 611 ( a ) [ 15 U.S.C 168ii ( a ) ] and section 609. These items are that I am disputing are required to be re investigated or deleted from my credit report within 30 days. I AM NOT ASKING ANY OF THE CREDIT REPORTING AGENCIES TO VALID WITH THE CREDITORS, I AM DEMANDING THE CREDIT REPORTING AGENCIES TO VALID THE DEBT. ACCORDING TO FCRA SECTION 609, THE LAW FCRA 15 USC 1681 STATES THAT THE CREDIT AGENCIES MUST VERIFY ALL INFORMATION THAT THEY RECEIVE FROM BANKS, CREDIT CARD COMPAINES, PRIOR TO BEING PUBLISHED ONTO MY CREDIT. THIS INFORMATION IS ALSO PRINT IN THE GUIDE FOR FEDERAL CREDIT BUREAU, SO I AM DEMANDING THE XXXX, XXXX, AND TRANSUNION TO SEND ME A COPY OF THE ORIGINAL SIGNED DOCUMENT FROM WHEN I OPENED THE ACCOUNTS. IF YOU ARE CLAIMING THE INFORMATION IS VALID/VERIFY/AND OR CORRECT I AM REQUEST THE CRA 'S TO VALIDATE AND SEND ME PROOF OF CLAIM. YOU HAVE 30 DAYS PER FEDERAL CREDIT BUREAU, CFPB, AND FCRA TO PROVIDE ME WITH PROOF OF CLAIM. 
FCRA SECTION 609 ( C ) ( 2 ) ( e ) also advise if the accurate negative information in the consumer credit profile is unable to verified, the reporting agency is required to delete it.

I AM DEMANDING THAT THE CREDIT REPORTING AGENCIES " TO PROVIDE VERIFIABLE PROOF '' ORINGAL DOCUMENTS RECORDS THAT YOU MUST KEEP ON YOUR DATABASE PER FEDERAL CREDIT AGREEMENT WITH MOUs.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these fraudulent hard inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer 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 2023-08-11
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
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 2023-07-27
Company: Experian Information Solutions 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: Account status incorrect

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 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 2023-07-27
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed 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

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 2023-11-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Logged into my WF online acct and was offered {$320.00} to open a checking acct. To receive the {$320.00} bonus you had make at least two {$500.00} direct deposits within a 90 day period which I did, payroll direct deposits were made on XXXX XXXX XXXX  after opening acct on XX/XX/XXXX with a {$25.00} deposit. Account to stay for 90 days and should receive {$320.00} bonus. After waiting more than 90 days and still no bonus I called customer service to receive update, was given investigation # INR XXXX on XX/XX/XXXX told would receive update in 10 business days via email. Received nothing, called again on XXXX, gave first complaint # which couldnt be located & no update was told that could only file another investigation. Given # INR XXXX on XXXX, its been 7 days and I still have no update. 
Received a call from XXXX, WF rep on XX/XX/XXXX. I returned his call on XX/XX/XXXX, I called again on XX/XX/XXXX. He returned my call on XX/XX/XXXX after he already closed my case. Not sure how you can properly investigate a case without speaking with the complaint. XXXX stated to me, the {$320.00} bonus was not given because I do not enter the promotional code. I stated to XXXX, the WF link do not provide a code nor was it listed in the instructions, it just prompted me to sign into my account. In fact I took a XXXX of the offer and it specifically states offer code will automatically be applied when completed through webpage as I did. I provided this XXXX to XXXX via email. XXXX stated he would take the new information to his supervisor and follow up with me, its been almost 2 weeks and I yet to hear from anyone.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: FL
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX 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.

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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. C.1681s-2 ( A ) ( 1 ) person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2023-07-27
Company: Experian Information Solutions Inc.
State: DE
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: TX
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:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. XXXX XXXX Account XXXX : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX 5. Validate prove it with a wet signature this debt belongs to me. This information is inaccurate per FDCPA section 807 violation misleading false reporting Account Number : Please investigate and delete from my credit report.

6. Validate prove it with a wet signature this debt belongs to me. This information is inaccurate per FDCPA section 807 violation misleading false reporting Account Number : Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending this to formally submit a follow up complaint regarding an unfortunate incident of identity theft that I have recently experienced, I previously submit a complaint dated XX/XX/XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, I kindly request your assistance in rectifying the discrepancies in my credit report. The specific identity theft incident is documented under Report # XXXX. Enclosed with this communication, you will find the necessary documentation to support the removal of inaccuracies associated with the following items from my credit report : XXXX : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$920.00XXXX XXXX  XXXX Balance : {$400.00} TRANSUNION : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX : {$920.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00}

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 2023-11-17
Company: NEW YORK COMMUNITY BANCORP INC
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I lost my job and cant pay my bills and Im behind on my mortgage.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: TX
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:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

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