BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was involved in a car accident in XX/XX/XXXX, which resulted in my vehicle being a total loss. After two months of negotiating with the insurance company, a settlement was offered and a check for {$7500.00} was sent to the financing company XXXX on XX/XX/XXXX. Once the payment was applied there was a final balance of {$1300.00} that I was responsible for paying. I received a letter from XXXX on XX/XX/XXXX, indicating that my next scheduled due date would be XX/XX/XXXX. 

Unfortunately, XXXX chose to close my account on XX/XX/XXXX, due to a lack of payment for 90 days and reported my account as a charge-off to all three credit bureaus. I have never received a phone call, email, or letter from XXXX to advise me that my account was delinquent. I became aware of the charge-off due to an alert from XXXX indicating that my credit score decreased. After viewing my credit report, I immediately contacted XXXX to have the error corrected, but I was told that the information was correct and my account would continue to report as a charge-off until the debt was paid. I advised the customer service agent that I received a letter from XXXX indicating that my next payment is not due until XX/XX/XXXX, but nothing was done to correct the erroneous information reported to all three Credit Reporting Agencies. 

According to the Fair Credit Reporting Act, I decided to contact each Credit reporting bureau to file a dispute to investigate the false information. I provided Transunion with a copy of the letter from XXXX to support my complaint to have my credit report updated to show " paid as agreed '', and after waiting 30 days for a response from XXXX, I was advised that the information was correct and no changes could be made to change the information reported by XXXX. I called TransUnion to speak with an agent to make sure that the letter from XXXX was considered in their decision and I was advised that it was considered, but Transunion does not have the authority to delete information that is reported by a Creditor, and the customer service agent offered to resubmit my dispute. 

My initial dispute was submitted in XX/XX/XXXX, a second dispute was submitted in XX/XX/XXXX, a third dispute was submitted in XX/XX/XXXX, a fourth dispute was submitted in XX/XX/XXXX, and each dispute has been sent back to me indicating that the account has been reported correctly as a charge-off. My recourse before filing a lawsuit against this company is to reach out to the Consumer Financial Protection Bureau for some resolution.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: PA
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:
Accourding to the Fair credit act my inquires over 2 years should have been removed. I reviewed my reports and noticed the following inquires over two years still remain on my report. 

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 explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: IN
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-02-13
Company: EQUITY LOANS LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX ( Equity Prime Mortgage ) mortgage transfered. Imposed higher monthly payments of {$1200.00} from original contract payments of {$980.00}. XXXX notified me in XX/XX/XXXX. That they made an error of not posting escrow funds ( monies ) therefore, my monthly payments increase to {$1200.00} ( a {$200.00} ) monthly increase now after they transfered my Mortgage to XXXXXXXX XXXX on late XX/XX/XXXX. I have made the {$1.00} XXXX payment already. But want to dispute why XXXX did not inform me way in advance that my payments were going to increase, and why their transfered letter stated no changes in the transfered to XXXX XXXX. I'm very displeased with this situation.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DO NOT RECOGNIZE THESE INQUIRIES 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 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 explanation
Consumer complaint received 2023-09-04
Company: PRESTIGE FINANCIAL SERVICES INC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 Prestige Accounting Financial Consultants debited {$500.00} from my checking account unauthorized. They've done this to me several times and I've explicitly requested that they don't auto draft from my account and that I will make payments by contacting them instead. My updated phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Paypal Holdings, Inc
State: MT
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:
Debit cards repeatedly hacked, online purchases that are not mine. I continually have to dispute charges and cancel cards. PayPal hacked and multiple fraudulent charges, credit cards in my name that were not mine that went into judgement And letters saying I am rejected for cards I did not apply for. My info was leaked by the XXXX  XXXX  XXXX, hearing and appeals for XXXX probate. XXXX XXXX XXXX took {$2500.00} and PayPal refused to reimburse us for goods not received ; he is a con XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
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: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am liable for this debt with XXXX XXXX. I did not have a contract with XXXX XXXX XXXX Acct # XXXX they did not provide me with the original contract as I requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing to you because I am literally at my wits end. Im at a complete loss and I hope you can get accomplished at what Ive been unsuccessful at. 

On XX/XX/XXXX I walked into a local Bank of America branch to pay my mortgage. What I didnt know until Saturday, XX/XX/XXXX is that on XX/XX/XXXX the teller applied my mortgage payment to my Bank of America credit card XXXX I was scheduling my monthly bills this day when I was scheduling the BOA credit card it said I owed {$0.00} with a credit of {$570.00}. I was like do I have a secret Santa? Nope I saw payment made XX/XX/XXXX in the amount of my mortgage. I went down to the local branch with my receipts from XXXX which showed it was applied to the credit card. 

The gentleman took copies and said they couldnt fix it there and couldnt reach out to whoever until Monday XX/XX/XXXX. He took my info I got a direct number to that location went home. The guy from the bank called me said they could get ahold of someone but I needed to come back to authorize the fixing of the mistake. I went down they got a guy named XXXX on the phone he said he put in the change itll be reflected by Wednesday XX/XX/XXXX. 

As of today XX/XX/XXXX it has not been fixed Ive been to the local branch multiple times, Ive called the XXXX # and sent them messages. I have now been reported to XXXX twice for 2 months of late payments as my XXXX payment they took out of my bank account but have not applied it to my mortgage. 

This has been the worst experience ever, how difficult is it to remove the wrongly applied mortgage payment from the credit card and rightly apply it to the mortgage? Ive opened up a dispute with XXXX and then tonight I get another notification BOA has flagged me 2 months late Ive never been late ever in the 12 years Ive had a mortgage with BOA. It should not take this long to fix a mistake made by BOA and in the process my credit is taking a hit which I pride myself on good credit. 

Ive called, messaged and gone to the local branch not resolved. The customer service is awful right up there with XXXX. One response I got was were not responding to this your other message isnt closed, meanwhile theyre sending me stuff for having trouble paying my mortgage. 

I was charged at late fee etc. I just cant with this bank I honestly dont know if you can even help but this has been a nightmare. Ive included the documents you need the receipts the messages Ive sent screenshots showing I was reported to XXXX twice since Sunday, XX/XX/XXXX. 

I not only want my mortgage payments applied correctly, I want the XXXX ( XXXX ) reports to XXXX to be removed. My credit should not take a hit because the bank made the mistake.

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 2023-12-16
Company: Experian Information Solutions Inc.
State: NC
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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:
To Whom It May Concern : I have authenticated over the phone that a person in the executive team rapidly sent a correspondence without completely doing their due diligence. The conversation started with the amount owed for XXXX of XXXX. The amount has tripled. They claim that their XXXXXXXX XXXX is no longer in effect. The XXXX XXXX was over many months ago. In fact it should have not been in effect since they closed my account and also caused delinquency. The gentleman that I spoke to started to then go backwards to XXXX of XXXX in which he said I made charges. I asked him did I pay the bill and he authenticated that I did. Then we started moving forward to the months after that and he authenticated that payments were made. Then he skipped all the way to XXXX in which he started to all the previous months and tried to change the conversation. He claimed I didn't make the payments. Meanwhile I said that XXXX XXXX XXXXXXXX didn't allow me to make payments, canceled my card and in addition hurt my credit score. This same gentleman wanted to talk about XXXX and not talk about the issue. XXXX XXXX XXXXXXXX was the fastest to respond and I asked him if he listened to the voice recordings and do his due diligence. He ignored the question. We spent XXXX hours talking about subjects that he wanted to avoid. 
Regardless he claimed the case was closed and I said how can the case be closed if he hasn't done all his full due diligence. He then admitted that he needed to do more research. I mean seriously ... You conclude and then say you need to do more research. 
Regardless I have submitted and uploaded that I have made payments to this website and I also proved to XXXX XXXX XXXXXXXX and they still refuse to accept that they have made massive hurtful errors to me and my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-07-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
About XXXX  months ago i believe it was XX/XX/ I deposited a check for the amount of {$2700.00} on the outside atm, the check was under my moms name but we unfortunately both forgot to sign the back which caused my account to be restricted after calling the bank to figure out what had happened they informed me that due to the check not being signed the account had to be restricted while they figured something out, after 10 days of not having access to my account they closed it, I got a check of XXXX mailed which I had on my savings but not the {$2700.00} I physically went in person to see how to get that money back they told me the only way to get it back was having the maker, the person whos name is on the check and owner of account which was me there we physically all went XXXX  times in separate occasions, I went in multi times myself I even went to the main branch where they had me go just to tell me I cant get the check back because my moms number isnt verified we dont understand why if she has an account t with her phone carrier and its under her name but thats aside the point Im now finding out that because her phone cant be verify we cant get OUR money back. This has been a big inconvenience they want to make it seem like we did fraud for forgetting to sign the back but right now chase is doing fraud for trying to keep something that doesnt belong to them. Chase ignores us we have spoken to about XXXX different employees including the executives and until now we are still being ignored and they are still keeping something that doesnt belong to them. I have called multiple times the number I was provided with and every time I ask for the lady Im charge of my case she is never there and always busy I leave messages to have her call me back she has not once called me back but through other employees we are being told she has called in various occasions which is a lie she has not even tried to reach out to me and always has other employees tell me shes away from her desk. When does this lady actually work because it seems like she doesnt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: Conduent Incorporated
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I've been receiving my Child Support on a Prepaid Debit Card for years that is offered through the XXXX with no problems up until XXXX of 2023. Actually, other incidences occurred during months prior but didn't involve charging me fees that are supposed to be against Illinois State Law. This XXXX XXXX XXXX XXXXXXXX, first, started sending me Account Activity Statements some months back. Ok?! Then, I started having issues removing my money from the card. Called & complained. All of a sudden, in XXXX they start charging Atm Withdrawal Fees & Checking your Balance Fees ( which again, for my card, is supposed to be against Illinois State Law ) so I called and complained. This kept occurring no matter which way I told these incompetent people that I am not supposed to be charged these fees as I am in Illinois & Never left Illinois. In fact, I only go to 2 ATMs. They've made up every excuse they can think of to continue to charge me fees. Ive had it! I had to change my Child Support back to checks bc these people are discriminating snakes. Now I have to pay to cash my checks bc these people can't do their jobs. Im out all these fees as well. This is Not Right!!!! Why make it a Illinois State Law if Not One Person is gon na do anything about these people charging you Atm fees when their not supposed to be? It clearly says it right on the bottom of their aapplication online for the Comerica Mastercard Child Support Illinois which is the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX says Comerica Debit MasterCard ). This is Wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: AR
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:
I am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information 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  Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting. 

Sincerely,

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