BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: PA
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:
XX/XX/XXXX, I visited an auto dealership For XXXX, I finally decided to trade my XXXX XXXX XXXX for the XXXX. After the dealership checked my credit report, I was informed that I had a recent collection added to me account, that significantly impacted my XXXX XXXX. 

When I returned home, I started investigating and seen that a " XXXX XXXX  '' had contacted the XXXX credit reporting agencies, XXXX, Experian, and XXXX to add a collection of {$1400.00} dollars to my credit report. resulting in an ( XXXX XXXX  REDUCTION ) due to the collection. 

Trying to resolve this with the XXXX XXXX representative, I explicitly explain. NO ONE EVER CONTACTED ME, I NEVER HEARD OF THIS, I was informed by the XXXX XXXX Representative, that XXXX XXXX have sent numerous letters/notifications to my current address since XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The Ironic thing is I DIDNT MOVE TO XXXX  XXXX XX/XX/XXXX ( work relocation ), HOW IS THAT POSSIBLE??? 
The bottom line is, NO ONE FROM XXXX XXXX, EVER CONTACTED ME, THEY CIRCUVENT WORKING TO RESOLVE THIS AND SIMPLY ADD THIS TO MY CONSUMER 'S CREDIT REPORT. as soon as I became aware of this, I immediately paid the {$1400.00} dollars, which I would have done, IF I HAD KNOWN THERE WAS AN ARREAR from a XXXX apartment. 
The representative from XXXX XXXX, informed me that If I paid this collection, the would remove this from my consumers credit report, I PAID THE COLLECTION THE SAME DAY, AND IT ONLY SHOWS PAID AND NOT REMOVED, MY CREDIT REPORT AS DECREASED BY XXXX XXXX  due to this. 
I'm not disputing if the arrears are mine, I'M SAYING THE PROCESS XXXX XXXX utilizes is against the law, the consumer XXXX XXXX SOME PROTECTION from lazy credit collection agencies who don't want to contact consumers, just add this negative life changing collections to the consumers account and force then to contact us, THIS IS ILLEGAL, PLEASE PROTECT THE CONSUMERS, THIS IS RIGHT PEOPLE!

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 2022-05-18
Company: EQUIFAX, INC.
State: GA
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 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference,

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 2023-05-09
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My Loan has been serviced by Mr. Cooper since XX/XX/XXXX XXXX. They did not pay my Homeowners Insurance on time- which was due XXXX of XXXX. As of XX/XX/XXXX there was an {$81.00} balance. 
2. When I contacted Mr. Cooper ( Loan Servicer ) on XX/XX/XXXX the automated system indicated that my mortgage payment was going to change by {$350.00} effective XX/XX/XXXX. I had not received any other notification regarding a change in my mortgage amount prior to this announcement. 
3. When further researching I was advised that Mr. Cooper ( Loan Servicer ) paid my Flood Insurance in duplicate in two different amounts. I was engaged in a three way call between Mr. Cooper and XXXX XXXX. XXXX  Provided Mr. Cooper with the reimbursement payment check number, the date the funds were cashed by Mr. Cooper, as well as the account number the funds were deposited into. 
4. Mr. Cooper has not reimbursed the funds into my escrow account which is now XXXX because of their error.

5. Mr. Cooper advised that they lost the funds that they cashed and the funds. They are not aware to whom the funds were credited. 
6. On XX/XX/XXXX I had to research what options are available to me, as Mr. Cooper advised me that they did not know what could be done. 
7. I requested that a Missing Funds Case be created to research where the funds were so that my account could be credited with my money. 
8. I was advised that nothing could not be done to halt the escalated payment amount beginning on XXXX XXXX  until Mr. Cooper corrects their error of the mismanagement of my funds. 
9. Since XXXX, I have had to contact Mr. Cooper over 10 times in reference to late payments for flood insurance, Home Owner 's Insurance and my taxes. 
10. On XX/XX/XXXX, I contacted Mr. Cooper and requested an escalated call to a supervisor. She apologized but advised me that there was nothing that she could do to assist me. 
11. I believe that Mr. Cooper ( Loan Servicer ) is engaging in predatory loan practices aimed at disadvantaged borrowers.

12. Mr. Cooper is mismanaging my funds. There is no acceptable reason for the funds returned to Mr. Cooper on my behalf not to be refunded into my account.

13. It's a predatory practice not to provide me the consumer with notification of an increase in my mortgage payment. This should not have been done through a notification on the phone system when I called in regarding the incorrect payment made to the homeowners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I'm trying to be patient in this situation I really am but I am getting frustrated on this matter. I have another account that has late payments on it and it should be listed as paid as agreed. law says you can't have late payments on an open-ended consumer credit plan reasonable procedures were not followed and I did not receive my statements which included my finance charges pursuant to 15 USC 1637 ( b ). Because of that, this account is violating 15 USC 1666b ( a ) which states no late payments should be on an open-ended consumer credit plan if they are in violation of 15 USC 1637 ( b ). REMOVE THIS ACCOUNT! You can investigate and everything and once you can't find those letters I should have received, Remove the late payments and Please change it to paid as agreed like it's supposed to be. I did not give consent to this reporting at all. I didn't give any written letter saying I want this account on my report. What gives?? I took the steps need and notarized my letters and all my paperwork because I getting ready to sue at this point.

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 2023-06-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Sunday XX/XX/XXXX I used my Chase Debit Card to check into the Marriott. The Marriott erroneously ran my card multiple times for the authorization. They apologized and explained that they will only charge my once and the other hold will " fall off '' from my bank. So my account had 3 deductions at the time ( 2 for {$80.00} and 1 for {$10.00} ) which all were being deducted from my available balance. This was the case since Sunday evening through Wednesday when one the {$10.00} authorization fell off and 1 of the {$80.00} charges posted for the true amount of {$72.00} however there was still a {$80.00} charge pending. I knew it could take up to 3 days for the authorization to be removed so I waited 1 more day. On the morning of Thursday XX/XX/XXXX I noticed the pending authorization for {$80.00} still there so I called to have it removed. 
The person I spoke to said it can't be removed she said it was just placed today and I will need to wait until it post to dispute. I explained what happened and that I don't think it was authorized today but instead it was an extra authorization from when I checked in days ago and she disagreed and said it was nothing she could do. I spoke to a supervisor who said the same thing pretty much. I'm hoping I don't have to wait 3 more days before this authorization falls off again. What happens if instead of falling off they repost the same authorization again and it continues in perpetuity? I will have funds not available to me that should be. There should be a way to remove an authorization on an account and to make the funds available to the consumer. Not having any option to rectify this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I make payments through XXXX XXXX bill pay. I paid {$300.00} on XX/XX/2021 with an additional fee of {$5.00} for the next day 's payment to the company. XXXX XXXX states the payment was sent and received on XX/XX/2021 and the credit card company is saying the payment has not been received as of today XX/XX/2021. Now, First Progress credit card has charged me a late fee of {$40.00} and this has charge has put me over the limit of my credit balance which will be reported to the credit reporting agencies. This will impact my credit which I'm striving to improve and not have any late or over limits on my credit report. This happened once before when the bank was closed for the holiday and I was charged a late payment. I know from working at the bank for years that the processing doesn't close even though the retail side is closed. There's a small crew still working processing transactions. XXXX XXXX has put in an investigation which will take up to 10 days, while in the meantime I am being inconvenienced and impacted by this negative mark on my credit for which I paid my bill in time to be credited to my account. I would like to know who is at fault and my credit is corrected for this mistake. I will dispute this will the credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was charged XXXX times for $ XXXX {$500.00} to a Company Ive never heard of called XXXX who sells XXXX based in XXXX XXXX I reported this as an unauthorized card to Chase within XXXX days of the charges and was told they would refund my account. After a few days, I didnt receive a refund so called Chase back. They claimed they would 100 % give me my money back at the end of the weekend. More than two weeks later I didnt see a credit so called back and was told its not their problem by the Company XXXX. He then told me I have no recourse to which I said I want to close my account which he said he would not help me with. I want my money back and I do not want an account with this bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Report, XXXX XXXX, Account # XXXX {$130.00} and showing as charged-off is incorrect. This was a secured account which was closed with the full deposit of {$400.00} taken by XXXX XXXX to cover a balance less than {$400.00}. XXXX XXXX erroneously and fraudulently added extra fees to the account after it was closed and deposit used for outstanding balance. They have erroneously reported the account as charged-off as it was closed and deposit used. There was not a balance to charge off at closing the account. The have 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 an account without my written instruction.

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 2022-02-03
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: Public record information inaccurate

Complaint:
The mortgage late reported by XXXX XXXX in XX/XX/2021 for XXXX  days or more is incorrect. I was in forbearance plan in accordance with the federally mandated CARES ACT ( Coronavirus Aid, Relief and Economic Security Act ). My forbearance was set to expire XX/XX/2021, and I paid off the balance of the forbearance as well as the entire mortgage balance on XX/XX/2021. Per one of the representatives named XXXX at XXXX XXXX, he confirmed that when they received the payoff funds that they terminated my forbearance, which is the reason for the XXXX Day Delinquency on my credit report. The account should have had no late payments per the forbearance agreement and CARES ACT.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: AK
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, 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.

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 explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 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 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 ) A person shall 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 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 2022-05-18
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX account XXXX, XXXX account XXXXXXXX XXXX account XXXX, XXXXXXXX XXXX XXXX XXXX  account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX this accounts above 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 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 2023-07-31
Company: Experian Information Solutions 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit repo

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 2022-09-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-06-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company claims missed payments were made based on inaccurate account number because I " added XXXX XXXX  '' to the beginning of my external account number, meanwhile the company has an antiquated online payment system and there is no logical reason why I would pad my account number with XXXX. Even still, because of " company policy '', only after I submitted a complaint I'm not forced to make XXXX XXXX money order 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 explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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