BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: FlexShopper, Inc
State: WV
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:
We ordered about four products from XXXX but we started receiving a lot of calls from companies called afterpaying. prepay and flexshopper wanting to be paid afterpay flex shopper did take money from our checking account after pay refunded is money we never ordered anything from flexshopper but yet they are trying to charge us XXXX dollars a week We did receive some products from XXXX that we did not order and we sent it back we thought we was good until flexshopper started calling every day five times afer we closed our account so what do we do now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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: Account information incorrect

Complaint:
As I was checking my credit report almost two years ago I received public service forgiveness on my XXXX XXXX XXXX loans acct number XXXX. It makes me angry to see XXXX has my XXXX  loans listed on my Experian account written disputed consumer and on XXXX XXXX loan fixed rate. This is listed on my XXXX account too which I see you closed on XX/XX/XXXX Why would I dispute my federal XXXX loans XXXX needs to upgrade my XXXX loans to its rightful status and remove this lie as well as XXXX these companies should not be allowed to write these un truths on consumers credit reports.

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 2022-05-17
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I received my reports and noticed Equifax were in violation of my rights as a federally protected consumer. 

On XX/XX/XXXX, I sent them certified mail with the tracking number being ( XXXX ) which was received XXXX XXXX XXXX letting them know that I had not given them consent to furnish any information pursuant to 15 U.S.C 1681b ( a ) ( 2 ) which is also Aggravated identity theft pursuant to 18 U.S.C. 1028A.

These accounts reporting on my file has caused me pain for years, from sleeping in cars, not having the proper transportation for me and my child and plenty more.

As a Credit Reporting Agency this business shall operate under all federal laws which they are not doing and again means they are violating my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, After months of trying to get these inaccuracies fixed on my credit report. Dates are incorrect and other issues as well. I have disputed now, i'm fed up with the lack of response from the credit bureaus. This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. 

As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Your continued delays are inexcusable. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello I hope all is well. I am writing you because I have attempted to reach out to you aboyt a fraudulent account on my credit report. The account does not belong to me and there is inaccurate information reporting on my account Everything on my credit report needs to be 100 % accurate and under U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) these accounts are in violation of not reporting with 100 % accuracy across all three reporting agencies there are inaccuracies and inconsistencies.

Also 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 the written consent of the consumer.

I never gave consent to the furnishing of the account and I want to exercisize my right to privacy.

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 2023-05-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in 2021 I had change insurance due to us having a trampoline. The insurance company requested payment from my mortgage company. Little did I know they didn't pay it after several letters telling my insurance was expiring. So that's when I started investigating to figure what is going on. It usually automatically renews and I never have to worry about it. Well come to find after calling insurance company they canceled due to know payment. So quickly got it fix and contacted the mortgage company. The mortgage company had no clue until I called them. Then made sure they paid the new insurance. Then they debit my account for that insurance and then their own insurance. Months after I got it fixed. If I would have know they were charging me insurance I never would have gotten my own. My account has been so messed up. No one will take ownership in this so guess who gets fault. They won't call me back and give me answers on how fix it. Now after 2 yrs. They went up on my escrow which has cost my mortgage to go up XXXX dollars more a month. So you can say I'm alittle XXXX off bc I feel like I'm the one paying for their mistake. Someone please tell me how to fix this. Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: CO
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 creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
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 XXXX account number 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 explanation
Consumer complaint received 2020-11-25
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:
Did not remove requested items

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}

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 2022-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I applied to Bank of America for a XXXX  loan of {$19000.00} and was given the loan. 
The requirement for forgiveness was that all the funds be used for employee payroll. 
100 % of the funds were used for payroll. 

When I applied for forgiveness Bank of America denied forgiveness and is requiring payment of almost the entire amount. 

If the forgive any amount over {$1.00} I can not appeal the decision with the XXXX. They are indicating a small forgiveness amount of {$2000.00}, thus I can not appeal. 

Can a Bank approve a loan, the funds used and then decide they want the money back in full?

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 2023-06-22
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Never received any paperwork regarding a debt was owed. Received phone calls every few days stating for me to call the phone number of USCB America. The phone number was spoken and the call ended, no time to write it down, no voicemail to refer to. I notice an active debt on my report according to XXXX XXXX I research who USCB America is. I call and state that I have never received anything in the mail regarding the debt and according to CFPB rules, reading them during the recorded call, this must be done before being on my credit report. She checks my current credit report for an agreed amount of {$1.00}. The person I speak to says it can be disputed for {$170.00} initiation, {$99.00} for the first month and removed after 90 days with a XXXX XXXX  monthly subscription.This is also written in an email sent during the call. Just a dispute, no guarantee of success. So I deny service. During the call, i get a call from my bank XXXX XXXX XXXX XXXX ) about fraud protection. My debit card was charged 3 times. Once for {$1.00} from XXXX XXXX, once for {$0.00} from XXXX XXXX XXXX, and a third time for {$1.00} from XXXX. I allowed the {$0.00} given the amount, I allowed XXXX XXXX ( {$1.00} ) being that was the name I remembered but denied the 3rd ( {$1.00} ) by not recognizing the name, but not USBC America either. Lastly, I asked how long this debt has been on my credit report, she states it had been there for a year, which the medical services from XXXX XXXX are not that old, tho I dont know the specific service they are referring to, i do know ive only been there once in the last year and that was a few months ago. Not a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: LA
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:
Right now I am bothered! This is my last and final attempt to file a complain to the bureaus. I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request EXPERIAN and XXXX credit bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: FL
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 am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXX and XXXX. XXXX, XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX.

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing.

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting 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 non-monetary relief
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have about six accounts that were charged off in XXXX XXXX XXXX XXXXXXXX. These accounts were closed and sent to collections and debt collection law firms. In XXXX, XXXX, I settled and paid all of these accounts. My credit payment history for the last year and a half has been perfect. 

While trying to apply for a mortgage to secure housing for me and my family, a tri-merge credit report from XXXX XXXX was obtained. Those six accounts which all have the status of " closed '', in fact two years ago, are showing current reporting status of " late payments ''. There was not an option to pay the creditor directly, as I was working with the debt collectors. 

However, I created credit monitoring accounts with TransUnion, XXXX and XXXX to monitor the progress of my credit finally being cleared up. 

On each of my personal accounts with those three reporting agencies, it does not show the late payments, in particular in the 12 months. It does show they were closed and listed as collections. So, how can there be this difference between the tri-merge report from XXXX XXXX and the viewing of my credit reports from these three agencies. A credit report monitoring account has cost me money. 

I have denied a mortgage loan, because it is a federally guaranteed loan ( Section XXXX for XXXX XXXX ), the guidelines are strict, I know how it works, I work for XXXX XXXX XXXX XXXX XXXX XXXX myself. 

How can the reports differ? How can I get this cleared up? In my opinion, reporting late on closed accounts that were sent to collections years ago is punitive. 

What to do?

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 2022-12-31
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has been repeatedly calling me at least 6-8 times per day. I block the number every single time, but they just change it every single time. They disguise the number as a local number so that its more likely that I will answer. They have called me multiple times, even today, before XXXX, and they call me repeatedly after XXXX. I work nights, and when my phone rings over and over in the morning when I am trying to recover, it significantly disrupts my sleep and has caused a bunch of health issues. They have also threatened to call my employer which is a huge issue and could cost me my job. I can provide phone records if necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Card was obtained by someone against my will online and I am just now aware of it when I checked 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 2022-05-17
Company: EQUIFAX, 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 account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2023-05-07
Company: SN SERVICING CORPORATION
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have an FHA mortgage loan, I believe SN Serving Corp is robbing us blind with interest payment over {$17000.00} for XXXX and the XXXX mortgage statement stated we owe XXXX, and XXXX say that we owe XXXX. we need help because we paid over XXXX annually for a mortgage payments. We have a modification interest rate of 6.5 %. I have paid this company since modification XXXX within 3 years and my mortgage have not moved. We need help because they are really hurting our finances. I have the 1098Mortage statement to proof this company is ripping us off

Company response to consumer: Closed with explanation