BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
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 information incorrect

Complaint:
XXXX XXXX XXXX # XXXX XXXX # XXXX If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in- curring an additional finance charge, such addi- tional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2023-11-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX reporting late payments on account that I should not have. XX/XX/2021 XXXX the {$500.00} installment loan with XXXX. To which I paid all my payments on time for the next XXXX years. 

Unbeknownst to me, XXXX switched my account from a {$500.00} loan to a {$750.00} loan without my consent. XXXX never provided me with any option to opt in or out, but instead forced me into the new contract terms. See the attached screenshot of my account and look how the amounts changed from {$500.00} to {$750.00}. XXXX will not be able to show my consent. 

As a result, I eventually received the bogus late payments without the required 21 day notice being mailed to me. 

XXXX has been evasive in addressing the change of the {$500.00} to {$750.00} loan and the fact they didnt have my consent for the change. 

Its important to know that the change ultimately caused the late payments. Which should have never been made because I had completed the terms of my ORIGINAL CONTRACT! 

Due to the inaccurate late payments reporting on my credit report, my Experian score dropped XXXX points in XXXX month. Thus destroying my credit worthiness! 

XXXX is a terrible company that prays on people trying to get their credit in good standing while using it to profit off the poor XXXX XXXX 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 2021-10-07
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted this collector numerous times without response. They have been paid in exchange for payment. They have not removed themselves from my 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 2019-04-10
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My complaint is the way all three credit reporting companies ( XXXX, XXXX and Experian ) use selective data to determine an individual 's credit worthiness. My credit score was over 800 just 3 months ago and now it is XXXX with XXXX and XXXX with XXXX.The reason it fell so drasticly is because we bought some furniture and decided to take advantage of an offer for a credit card that had 0 % interest for six months. In addition, applying for this card lowered our total purchase price on all the furniture by over {$500.00}. The card company established a " credit limit '' on the card for exactly the amount of furniture we bought which meant that when the credit reporting companies got the information, the " furniture company '' credit card was " maxed out '' at 100 % of available credit. This in turn made our total credit usage on two cards at 50 %. What the credit reporting agenciies don't look at are the consumers bank accounts ( we have about {$750000.00} in three separate savings accounts ) mortgage free property ( we own two homes debt free that are worth {$500000.00} ) and money ( {$300000.00} ) in a money  market account with a stock brokerage firm. I have NEVER been delinquent on a payment. I pay my credit card ( other than the furniture card ) balance in full monthly. The credit reporting companies say the " age of my credit '' is one year. I am XXXX years old and have had stellar credit my entire life with many accounts over the years that were paid in full and then closed. 
My credit score is very important to me and I just need to have someone explain to me how I am now only a " fair '' credit risk. It seems to me the credit companies should expand their information base about an individual in my circumstances to take all the above factors into account. 
Please let me know what my options are. 
Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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:
This is my XXXX endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX : {$270.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$510.00} ; 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

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 2023-08-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the complaint # XXXX XXXX failed to remove the XXXX XXXX bankruptcy. I have provided documentation to support the removal. XXXX XXXX has confirmed they could not verify the Bankruptcy in their system I have sent the letter explaining that to XXXX and I have also contacted the US Bankruptcy courts and they stated they do not share this information with the credit bureaus. XXXX has failed to provide proof under the Fair Credit Reporting Act of 15 U.S.C sec 1681i ( C )? This is if you can not provide the proof where you are getting your sources form it MUST be DELETED.

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: 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:
I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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 2020-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I registered a complaint on XX/XX/XXXX, XXXXReferencing complaint # XXXX. A representative from CFPB, XXXX, XXXX, XXXX, contacted me to clarify my points. This complaint was filed against Bank of America and my recent mortgage refinance. 
I am not sure if this is the correct avenue to take at this point, but I reached out to XXXX, and not knowing the correct procedure for update or additional concerns, I am writing this appeal. 
As noted in my complaint there were several closing dates assigned to this settlement. The one dated XX/XX/2020 was held at a BoA branch. My husband and I signed documents, which noted the closing date and the disbursement date as the same, XX/XX/2020. As we discovered the mortgage had not been disbursed until XX/XX/2020. It appears this delay by BoA increased our Total Payoffs and Payments ( line item K in the Closing Documents ) to increase by {$3000.00} in our new adjusted mortgage. My complaint is that if BoA had closed and disbursed as documented and signed at our XXXX closing personally attended appointment with a XXXX XXXX XXXX representative, the {$3000.00} would not now be included in our 15-year mortgage total payoff but submitted through our escrow.I was not aware of this change in Total Payoff amount until we received the XX/XX/2020 Closing Documents in the mail. No explanations were offered or given by BoA. 
Overall, this adds to the concern for procedures, delays, and outcomes caused throughout this refinancing process.

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 2022-12-27
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : ( Original Creditor : XXXXXXXX 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 2020-02-15
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage is delinquent by {$14000.00}, working with Loss Mitigation department for months with no resolve. Mortgage collection sold to Shellpoint Mortgage Company 15 days ago. Spoke with them and was told the Mitigation was in process with them now and was being handled by our representative. I could call to make payments on automated systems XX/XX/20 Called to make a monthly payment, automatically routed to an alleged representative that is never there and will not return calls. 

Called back without identifying self and got an agent who refused to take a payment, only will take payment in full, otherwise must talk with assigned representative who is not available. 

I noted to agent that this is a recorded line and is therefore discoverable. Asked to escalate to a supervisor was left on hold for A representative took the call since past due account they can not take a single payment must be 4 of those payments. I am not able to accept one payment at this time I can not pay one months payment in any way, shape or form. They can not take anything but 4 payments, this has never been said or sent in writing this is the first I am hearing this. I was welcomed to mail in a check but it could be refused and returned or held with no action. 

Note that previous company, XXXX, took monthly payments while working on a payment arrangement. Fees continue to escalate during this time. 

I asked for a manager and was placed on hold once more. 

With the manager, we advised each other we were both recording, I simply repeated everything I was told for confirmation and again asked for a process to send in a monthly payment. Given same story with no option to make a payment other than an amount I can not pay. Because the payment arrangement was not in place, they will not take any monthly payments until this is reviewed and will take up to 60 days 2 months of additional and forced delinquency to complete this review. Any payments sent in will be returned. I questioned the legality and was told this was their policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX is collecting for Citi Bank Credit Card. Due to my XXXX and unable to work due to the covid19, I hired a bankruptcy attorney Atty. XXXX XXXX. XXXX XXXX XXXX were fully aware of my representation. They have tried to file a lien and a judgement without advising my attorney. They send me the letters as a form of a scare tactic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I subscribe to Experian credit reporting and related services under membership # XXXX. 

Experian offered to improve my Experian credit score under its services marketed by the name of Boost. It required that I link my personal checking account so that it can track my utility bills for timely payments for a period of 3 months. I have linked my checking account and further provided the date, the amount of the payment made to the utility companies. Yet, Experian has been unable to identify these accounts. Specifically, it has failed to deliver on its advertised promise of improving credit score in exchange for gaining access to consumers ' checking accounts. This has adversely resulted in a score differential of 100 points. 

I have attached screenshots from my checking account statements of six months refective of all payments made to the utility company, XXXX XXXX and XXXX ( XXXX & XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: White Jacobs & Associates
State: NC
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Charged upfront or unexpected fees

Complaint:
The owner pretended like he wanted to work with me to resolve the issue at hand but in the end he decided to steal my {$990.00} dollars without providing me with the service I paid his company to perform. Please be careful when dealing with this company! I am suspect when it comes to the glowing reviews. I think the phone number they provide on their website should be looked into. Also, the company violated the Credit Repair Organizations Act ( CROA ). 

Do not hire XXXX XXXX to repair your credit! I was contacted by XXXX who convinced me to hire them to repair my credit. Days after I hired them his assistant XXXX contacted me stating that they sent my dispute letter out and they would contact me XX/XX/XXXX, to give me an update. The next day XXXX called me and said he would contact me XX/XX/XXXX. This had me wondering why was I getting XXXX different dates from people who work closely together. I then sent XXXX an email asking if they sent my dispute letters by certified mail and I also wanted a copy of the dispute letters. She responded by saying yes. XXXX weeks went by and I did not receive any notification from the credit bureaus stating disputes were opened. I then became concerned that letters were not sent out. So, I contacted XXXX requesting a copy of the certified mail receipt and dispute letters. This is the response she provided : Goodmorning Mrs. XXXX, we sent your first-round letters out on XX/XX/XXXX. We are not permitted to allow the client to have a copy of the audit letters due to copyright infringement. My apologies. 

Unfortunately, we don't send our clients the letters that we send out and we don't send out the mail receipts due to protection policy. My apologies for any inconvenience. 

I then realized I was scammed and contacted both her and XXXX making them aware of my discovery. I am in the process of contacting as many consumer protection agencies as I can so that other consumers will not lose {$990.00} for the first-time fee and then {$110.00} a month. I am so devastated because they both came across like they were really caring and concerned about helping me with repairing my credit. I wonder how they ever received glowing reviews that I assume former clients have left. Protect your money and do not hire XXXX XXXX to repair your credit. I think they were trying to keep me on the subscription for as long as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NV
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:
15 U.S. Code S 1681 a - Definitions ; rules of construction- Exclusions.-Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: MA
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 am writing to formally lodge a complaint against Equifax for inaccurate information present on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute certain details that I believe to be incorrect. However, I have yet to receive any response or resolution from Equifax. I am providing the following details of the disputed accounts along with the requested corrections : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$28000.00} I kindly request Equifax to promptly remove the account with XXXX XXXX from my credit report as it is not associated with me. 

Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} I believe that the account XXXX XXXX contains inaccuracies that require examination. The reported balance exceeds my recollection, and the account was labeled as closed, implying that the Past Due amount should not be presented. I intend to resolve this matter directly with the creditor. To facilitate this, I kindly request Equifax to label the account as disputed while I work toward a solution. 

Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} The account with XXXX is inaccurately reported with an inflated balance of {$1100.00}. This amount does not align with my records, and the stated Past Due amount contradicts the account 's closed and charged-off status. I intend to liaise with the creditor to rectify this discrepancy. Until a resolution is achieved, I kindly request Equifax to label this account as disputed. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} The account with XXXX XXXXXXXX was never late, and I urge Equifax to promptly correct/update this erroneous information on my credit report. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$800.00} The account with XXXX XXXXXXXX also maintained a record of being never late. I kindly request Equifax to rectify/update this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief