BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I awoke on XX/XX/XXXX to find my checking account that I use to auto pay XXXX XXXX payment was overdrawn by over {$2700.00} dollars. I called XXXX immediately to request that they replace money withdrawn as this was double my normal payment. The agent on the call told me that they would need to verify with XXXX that payment was made. The agent called XXXX with myself on the phone 3 way call. The agent stated that the transfer was made from XXXX to XXXX XXXX in the amount of {$5.00} dollars. On or around XX/XX/XXXX I got a knock at my door from someone delivering certified mail. This certified mail was notice of foreclosure proceedings. Turns out that XXXX had not made the payment to XXXX given the vast overdraw. XXXX then reversed ( unknown to me at the time ) my on-time XXXX, XXXX, XXXX payments and effectively marked my account in a 90 day default in XXXX despite these payments being made the XXXX of the month every month in XXXX. All funds were paid on XX/XX/XXXX including the payments reversed as well as the shortage amount that XXXX had misappropriated. In a letter to my attorney in response to first NOE that was sent they acknowledge sending {$11000.00} from previous mortgage company elsewhere other than my account. They also state that payments were received on time and that the default was a result of the reversal that happened in XXXX. Again, all fund were then paid in XXXX, if anything I would have been 18 days late not 90 days in default. My attorney has sent 2 NOE, I have sent correspondence to XXXX as well as called them several times. Even though all payments were made on time they are refusing to correct credit report. This has been detrimental to my credit as well as my ability to feed my children. I have been 100 % on time payments across all accounts until this error by 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 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My credit score took a hit when there was a hard inquiry by XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ( XXXX ) XXXX I had never requested a hard inquiry from this government agency - so I am not sure why they pulled my credit. I would like to have this hard inquiry removed from my record.

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 2021-07-28
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I requested a deferral in XXXX because of Covid Us bank removed my money from my checking account that month .XXXX.I didn't pay XXXX I missed and XXXX I missed XXXX I sent {$2000.00}. XXXX {$1000.00} XXXX $ XXXX.then I geta statement I owe $ XXXX.I wanted explanation where the {$5000.00} went they said I now owed XXXX and they wanted immediately they will not send me any paper statements and I thought the XXXX could be paid over time with the differal or at the end of the loan they want It immediately and are calling me every day the also canceled the money I had available on my heloc.and are threatening forclosure over {$3900.00}. I can not get answer thats truthful or any way to resolve the issue nor receive a paper statement for my checking and heloc to resolve the issue I've spent over 26 hours on the phone and have been transfered and hung up on and I tried to file a complait with US Bank and they hung up on me .I don'r know if I should file for bankrupcy just to get an honest accounting and a resolution from US BANK.

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 2021-07-28
Company: CARD Corporation
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Well I was XXXX  XX/XX/XXXX too XXXX and all my belongings was at the woman house I was renting a room for and there was transactions on my card the whole time I was XXXX  so I made a police report and made a dispute to the card company and basically they said they couldn't put the funds back on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: SC
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:
Credit Protections Under the Coronavirus CARES Act Under the CARES Act, if your account is up to date and you make a debt-relief deal with a creditor, that creditor must continue to report the debt as current. If you miss one or more loan, credit card, or mortgage payments because of the coronavirus ( COVID-19 ) pandemic, the creditor can report you as delinquent to the three main credit reporting bureausXXXX, Experian, and XXXXand your credit score will take a hit. The CARES Act, which was signed into law on XX/XX/XXXX, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) XXXX XXXX XXXX XXXX Last 4 of account # XXXX XX/XX/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 2018-04-23
Company: MAS FINANCIAL SERVICES, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls twice a day with a recorded message that says " my loan with MAS financial is in default, press 1 to speak to a representative. '' I push 1 and it transfers me to a " disconnected or no longer in service number. '' I call the company direct and the robocalls aka automated calls from an auto-dialer still continue even tho I've talked to them. And I've told them a number of times that the robot calls continue twice a day everyday and they said there is nothing they can do about it. I filed a complaint with the XXXX  which is doing nothing with the robocalls. Also I have asked like 10 times if not more to get a statement with the amount and how they arrived at that amount and they have yet to procure one, they did send me a letter saying that the insurance only covered part of it and that this amount is what is left. I am not accepting it. i would like to see everything the original loan amount minus down payment, and for the love of XXXX I doubt it was applied as I was told by the dealer that no finance company will not finance anyone without a down payment. So where did it go? The dealership took the {$1000.00} was the 100 % profit for them? I was lead to believe that the finance company got that money. Plus I wan na see the payments and interest that was applied as well as any fees. I want it broken down. Do I have to send them an XXXX spreadsheet to fill out? I thought this was a professional company. Obviously not. They did say something along the line of well why didn't I have gap insurance? I told them I asked about it and was told I didn't need it and that they didn't offer it, and they didn't know who did offer it or where to get it. I was told that finance companies are the ones to offer it, it was a requirement for the last car I bought and the finance company offered it and included it with the payment.

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 2023-10-18
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX account type : Collection/ unauthorized Account opened : XXXX Past due amount XXXX XXXX XXXX late payment As I expressed I have no acknowledgment of this account a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) 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 the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] Please remove this account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
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: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. 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 : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In Accordance with the FCRA XXXX  Account number XXXX has violated my rights XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number xxxx XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Delete ALL late payments XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Delete Asap XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: ALLIANT CREDIT UNION
State: CA
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:
On XX/XX/XXXX, I was charged a {$99.00} annual fee for the Alliant Credit Union Visa Signature Card. The charge was noted with, " ANNUAL FEE XX/XX/XXXX THROUGH XX/XX/XXXX. '' ( XX/XX/XXXX through XX/XX/XXXX ). See attached XX/XX/XXXX statement. 

On XX/XX/XXXX, I was notified of a change in terms that reduced the annual fee to {$0.00}, along with new conditions to maintain the same level of rewards ( 2.5 % ), by requiring a {$1000.00} daily average balance in my checking account. These changes would become effective beginning with the XX/XX/XXXX statement cycle. No mention of what would happen to customers that had paid their annual fee beyond this date. See attached Change In Terms Email. 

On XX/XX/XXXX, I contacted XXXX through their secure messaging service requesting a pro-rated refund for the months of XX/XX/XXXX through XX/XX/XXXX, requesting a refund of {$57.00}. 

On XX/XX/XXXX, the refund request was denied. See attached refund request and response, along with an expanded dialogue ( the print function did not capture the full text of the request and response ) files. 

I believe this is an unfair situation because Alliant Credit Union benefits from an excess payment of an annual fee that no longer applies AND I must maintain an average daily deposit balance of {$1000.00} to maintain the same level of benefits that I had already paid for. In short, they are benefiting twice XXXX annual fee + deposit balance ) for what I have only agreed to pay once for. I paid $ XXXX for 2.5 % rewards and now they're changing it to my paying $ XXXX AND {$1000.00} average daily deposit. They benefit twice and this is not fair. I'm paying for a service and instead of delivering as agreed, they're taking more from me to achieve the same result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX I wrote a letter to Transunion asking for my personal information to be updated. I enclosed a copy of my ID and a resent utility bill. All with my name and address. On XX/XX/XXXX, I received a letter saying " This is not you, you need to send us proof, your ss card and ID. If you are a credit repairing agency, you have to have the person update thier own information ''. On XX/XX/XXXX, I sent them the same information, ID, utility bill, and ss card, as they requested. I should not have to repeat this same situation. Yet again I have had no update and they are still reporting multiple names that are incorrect, multiple addresses that are incorrect and Jobs I don't even know. This information is leaving me venerable to identity theft.

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 2023-06-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent a check and requested that the amount be applied to principal. Checks are allowed so long as they are made payable to the correct entity, which was the case here, " Rushmore Loan Management Services ''.

Rushmore is refusing to process my payment to principal as requested, alleging that a check toward principal is not allowed, which I know to be false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Experian Information Solutions Inc.
State: LA
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: Investigation took more than 30 days

Complaint:
I sent certified mail to all three credit bureaus and still havent received a response. All the letters asked for validation of debt and inquiries and I havent received a response its been longer than 30 days!

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 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I sent certified mail to all three credit bureaus and still havent received a response. All the letters asked for validation of debt and inquiries and I havent received a response its been longer than 30 days!

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry 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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to. promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank 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