BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: NJ
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 was the holder of a secured credit card with XXXX with a {$500.00} collateral deposit that I had paid. I used the cards many times with no issue. On XX/XX/2019 my balance was {$590.00}, I made a payment of {$360.00} which was withdrawn from my account. The very next day on XX/XX/2019 XXXX closed my card leaving me with a balance due of {$230.00}, since I had {$500.00} collateral, they deducted my balance due and refunded me {$260.00} from my collateral by check on XX/XX/2019 with check # XXXX. I thought since I had paid off the account that everything was ok until XXXX starting reporting late payments to all XXXX credit bureaus. Not only that, they stated that I owed them {$640.00}. I stated calling XXXX in regards to this issue and was transferred many times to different departments. I spend hours on the phone explaining the situation and no one could help me. I was asking XXXX to show me where the balance was coming from but each rep I spoke to stated that the only thing they could send me was a statement but the only thing the statement showed was a dollar amount due, it did not show where the charge was coming from nor could any of the representatives I spoke to could tell me why there was a balance. One representative from XXXX advised me it would be faster to file a dispute directly with the credit bureaus. I did in fact file dispute with each of the bureaus. Each time they would get back to me and say that the information being reported was accurate and that it would stay on my credit report. I did not understand how that could be so. How could they verify the information as accurate is I myself as the account holder could not get anyone to verify where the charge was coming from? It has been almost three years now that they still report a balance and showed as a charge off. This past week, out of sheer frustration and in an attempt to salvage my credit I paid XXXX the {$640.00} despite thinking it was really unfair as I did not owe this money. I only paid in hopes of restoring my credit and getting the account removed but XXXX is still showing my account. It updated to show as a paid charge off which is not any better.

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 2023-03-24
Company: CADENCE BANK
State: MS
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:
CADENCE BANK MORTGAGE XXXX XXXX XXXX XXXXXXXX, XXXX XXXX USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX RE : DELETION OF LATE PAYMENT FROM CREDIT REPORT NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX XXXX XXXX XXXX XXXX ) consumer report, and I noticed some late payments posted on my consumer report : CADENCE BANK MORTGAGE XXXX XXXX  Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; AS WELL AS 15 U.S. Code 6801 THE LAW CLEARLY STATES : Transactions between the consumer ( me ) and the person ( CADENCE BANK MORTGAGE ) Making the report is not INCLUEDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s CADENCE BANK MORTGAGE XX/XX/XXXX  Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: National Credit Adjusters, LLC
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:
I have disputed an incorrect account that is reporting on my credit report for over four years now it is showing two of the same thing and neither of them are mine I have tried multiple times to have it removed and have also asked for proof on how that account is mine and they can never tell me and XXXX is not helping resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, 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:
This is formal notice of litigation efforts commenced against Equifax Information Services, LLC AND Equifax Credit Information Services , Inc. Equifax has allowed unauthorized access to my credit file. Equifax has unlawfully trafficked nonpublic personal information to XXXX XXXX XXXX , XXXX which such information was used to harass and embarrass me in front of the entire neighborhood. Equifax has allowed unauthorized inquiries by XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. Equifax is participating in the defamation of my character by allowing unauthorized financial institutions to access and furnish defamatory and libelous information. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), consumer reports shall not contain information solely as to transactions or experiences between the consumer and the person making the report. Equifax is allowing false or unlawful reporting to monetarily gain at the expense of tarnishing my reputation and deprive me of housing, life and liberty. Equifax is unlawfully furnishing Collections that debt collectors have requested to be removed and has refused to update or provided an updated credit report in almost a year. Equifax is also unlawfully furnishing XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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:
Hello, there is a child support account reporting in my credit reports from the State of XXXX but, I don't have any children. I think that this may be someone else 's account reporting in my report. I sent dispute letters to the credit bureaus ( XXXX, XXXX, and TransUnion ) but have not heard back yet. Please have the credit bureaus remove this incorrect account which is not mine from 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 2023-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX XXXX a bank account was opened on Bank of America the accounts were 2 checking accounts. No money was in the accounts. ON XXXX XXXX I approach to a Bank of America about the accounts and report it as a fraud, the same day i went to my local police station to make a police report XXXX in XXXX XXXX NJ XXXX. The concert from the accounts it was open with my old last name, I legally changed my last name at the Superior court of New Jersey on XX/XX/2019 and the account had my old information where I used to live 7 years ago. I'm in concert due I'm continue to be expose and damage my credit, thanks for your help

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 2023-03-24
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately 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 instruction 15 USC 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 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission 15 USC 1681section 602 A. States I have the right to privacy.

15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have used my Capital One credit card for years. My last full check shows I have a balance for purchases. I also noticed there is a field for cash advances, and this shows over {$2000.00} for XXXX XXXX. 
About XX/XX/XXXX I withdrew a cash advance of {$500.00}. I have not used or tried any more cash advances since. I do not dispute I needed to pay the money back, including interest. 
I also was aware of a higher interest rate and that increases daily. I am not disputing the interest percentage. 
I have used my card to make regular purchases and have always made payments that exceed the minimum. I have even made extra payments in between cycles. Since no money was due when I did this I expected they apply the extra payments to the principle. 
I understand that banks are supposed to apply payments to the account with higher interest rates first. Cash advances are subject to a higher rate and re compounded daily. 
I contacted XXXX XXXX on XX/XX/XXXX and asked the first person why it said I owe over XXXX for the advance of {$500.00} in XXXX. I was not able, or did take any more advances, and the ability to do any more was blocked at {$500.00}. 
Each person in customer service said something didn't seem right and put me on a long hold. It was told that the account should have been paid off first due to it's higher interest rate and daily accrual. This was not done. I was then transferred to a second person after another long hold. That person also said something wasn't right. More long hold and transferred to a 3rd person. I asked her why the higher charge account wasn't paid first. She said both interest rates were the SAME so they basically applied all payments to the main account, and none to the advance account. 
how I could pay back the advance first while still making extra payments to account. 
She again said since the rates were same for both types, they didn't have to apply payments to the advance account. I asked her what I could do to resolve this issue since I was being charged {$50.00} a month in interest for the {$500.00} charge. She said I had to pay the ENTIRE amount for both which is over {$4000.00}. I could agree with them if I was behind on this payments but I always paid more than was due on every payment. 
They said ( the fine print ) said they can continue to charge all those fees. They offered NO settlement or second consideration. Paying extra to the account for 3 years and it went from {$500.00} to $ XXXX doesn't seem right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had 46 charges to a XXXX XXXX XXXX and to two other places that was not done or authorized by me I can not get any reason or explanation to why it was done or my dispute denied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Bridgecrest Acceptance Corporation
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Bridgecrest has not applied and of the payment to the principal, has increased interest rates and violated the loan contract. I have tried for a year to get the bank to explain why the principal has not bugged. They refuse to supply answers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt collector has not provided notice of when the original debt occurred and submitted collection as of XXXX/2020. I still do not recognize this debt from any prior purchases. This debt collector has sent invoice documents that I do not recognize since I never made any purchases through XXXX ( original debtor ). This collection notice needs to be removed from my credit report. I did not recognize this debt and don't understand how it was even opened for collections in XXXX, 2020 so it can be related to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: CITIBANK, N.A.
State: NJ
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 was the holder of a secured credit card with Citibank with a {$500.00} collateral deposit that I had paid. I used the cards many times with no issue. On XX/XX/2019 my balance was {$590.00}, I made a payment of {$360.00} which was withdrawn from my account. The very next day on XX/XX/2019 Citibank closed my card leaving me with a balance due of {$230.00}, since I had {$500.00} collateral, they deducted my balance due and refunded me {$260.00} from my collateral by check on XX/XX/2019 with check # XXXX. I thought since I had paid off the account that everything was ok until Citibank starting reporting late payments to all 3 credit bureaus. Not only that, they stated that I owed them {$640.00}. I stated calling Citibank in regards to this issue and was transferred many times to different departments. I spend hours on the phone explaining the situation and no one could help me. I was asking Citibank to show me where the balance was coming from but each rep I spoke to stated that the only thing they could send me was a statement but the only thing the statement showed was a dollar amount due, it did not show where the charge was coming from nor could any of the representatives I spoke to could tell me why there was a balance. One representative from Citibank advised me it would be faster to file a dispute directly with the credit bureaus. I did in fact file dispute with each of the bureaus. Each time they would get back to me and say that the information being reported was accurate and that it would stay on my credit report. I did not understand how that could be so. How could they verify the information as accurate is I myself as the account holder could not get anyone to verify where the charge was coming from? It has been almost three years now that they still report a balance and showed as a charge off. This past week, out of sheer frustration and in an attempt to salvage my credit I paid Citibank the {$640.00} despite thinking it was really unfair as I did not owe this money. I only paid in hopes of restoring my credit and getting the account removed but Citibank is still showing my account. It updated to show as a paid charge off which is not any better.

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 2023-03-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 XXXX XXXX XXXX  HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
After hurricane Ian in Florida, I have been offered help from Loan Depot Mortgage Company, stated that due to hurricane you can request help up to 3 months forbearance by phone call. After the three months they supposed to do evaluation and may add 3 months forbearance at the end of the mortgage term. And they requested from me to make sure I start making my payments after forbearance terms finished. As we got agreed that after the forbearance period, which was for XXXX, XXXX and XX/XX/2023. I did my payments on XXXX XXXX as we agreed. After I started receiving letters and calls saying that I am behind for my payments many times. I told them exactly what we were agreed to ; Loan Depot may put all forbearance period by the end of the mortgage terms, but before that they need to make an evaluation about my financial situation ; and as we got agreed that I started making my payments. Before they do any evaluation for my economic situation suddenly, I received an alert from credit agencies that Loan Depot reported as missing payment without mentioning about disaster forbearance and did dramatic damage on my credit report unethically. I sent them an e mail and wrote them this treatment is very unacceptable for hurricane victims. They are not following the terms that they mentioned after hurricane IAN. Never got any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 XXXX XXXX XXXX HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

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 2023-01-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX is a result of a fraudulent account that was opened using my information without my knowledge it appears that there are two separate accounts for a line of credit and a credit card totaling the amount of {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Freedom Mortgage Company
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I refinanced my mortgage from Freedom Mortgage to XXXX XXXX XXXXXXXX XXXX. My taxes were paid from my closing by XXXX of XXXX Mortgage on XX/XX/XXXX. Freedom Mortgage had already been paid off and I received an email from Freedom Mortgage on XX/XX/XXXX confirming that. On XX/XX/XXXX, 14 days after the mortgage had been completely paid off, Freedom Mortgage proceeded to pay my taxes in the amount of {$2100.00} out of my escrow account instead of refunding that money to me. On XX/XX/XXXX, the XXXX of XXXX refunded the the entire {$2100.00} back to Freedom Mortgage. I contacted Freedom Mortgage about my refund which should have been refunded to me with the rest of my escrow money and they told me that the money would be refunded to me by XX/XX/XXXX. They have already been holding this money for a month but I waited patiently. I called them on XX/XX/XXXX because I still had not received the refund. The person I spoke with said it was still pending. I told her that I was told that I would have the money by Wednesday XX/XX/XXXX and she said she doesn't know but it still says pending. So I asked to speak to a person who could tell me what where my money was. She put me on hold for a long period then came back and said her supervisor said the check went out on XX/XX/XXXX and that they had no control over the mail. She had just told me it was still pending and all of a sudden now she lies and says it went out and blame the post office? I asked her why they would send a {$2100.00} check through the regular mail when it should have been sent XXXX? She had no answer. I asked her if I would be receiving interest on the money they are withholding and she said no. I just had a XXXX XXXX on Saturday XX/XX/XXXX and got out of the hospital on Tuesday XX/XX/XXXX and I need this money which should have been refunded to me from my escrow account when my mortgage account was closed on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation