BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: MD
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 2018-12-31
Company: Ameritech Financial
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I paid a monthly amount of {$99.00} to Ameritech Financial thinking it was going towards my student loan debt, unfortunately it wasnt. I was told if I pay this amount for 10 years then my student loans will be forgiven. Every service they provided me I was already doing on my own, I honestly thought my low monthly payments was paying my student loans. The monthly payment was for their service and I was not aware of this. I began payments in XXXX XXXX and they just stopped in XXXX XXXX because the FTC made them seize all operations. So, I haven't even had the time to close my case with them. The money I paid to them could have been going towards my student loans and I am very distraught about this.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-15
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 non-monetary relief
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

- XXXX XXXXXXXX XXXX XXXX Account # XXXX {$5000.00} - XXXX XXXXXXXX Account # 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 2018-08-24
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested the private mortgage insurance be removed since I am now at less than 80 % loan to value based on the original appraisal at the time the loan was refinanced. 

I was sent a letter that I can't have the pmi removed until I obtain a new appraisal or the loan reaches a loan to value of 75 % The letter I was sent regarding the removal of pmi was different than the terms I was sent from the original lender indicating I would have it automatically removed at 78 % The loan is a 15 year fixed and would be at 78 % based on a normal amortization period in 4-5 additional months which is the same as paying for a new appraisal from their vendor The loan was closed in 2016 and they didn't indicated I was now subject to the Homeowner 's Protection Act of 1998

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 non-monetary relief
Consumer complaint received 2023-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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 informed you that this debt accrued to do fraudulent charges. I also reminded you that under the Visa Zero Liability policy I was not liable for fraudulent charges, which I had also informed to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: GA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXXXXXX 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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law 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 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 2023-01-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It has come to my attention that XXXX has reported transactions between I XXXX XXXX the consumer and XXXX the creditor to my consumer report In the months of XXXX, XXXX, and XXXX of the year XXXX have opt out XXXX should not be reporting transactions to my consumer report it is violating my consumer rights. According to the FCRA 15 usc 1681a 2a1 stated in paragraph 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received, over the course of several months, several promotional pieces of mail from XXXX XXXX advertising a signing bonus with an American Express XXXX XXXX card that promised " XXXX ( to XXXX ) bonus miles '' after spending " {$2000.00} in the first three months '' of the card opening. I met the spending requirements for the signing bonus but did not receive the promotional offer as advertised. I inquired with American Express when I will be receiving them and they informed me that because I obtained the signing bonus in 2019 that I wouldn't be eligible for them again. At no point did either company make it clear that I wouldn't be eligible for the signing bonus albeit repeatedly sending me the offer in the mail to entice me to apply for their credit card anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: LEXISNEXIS
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Please see the complaint that was sent to LexisNexis : Dear LexisNexis : I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information must be reported correctly or else it must be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed in, and I know that they did not provide you with this information as they explicitly stated that they don & # 39 ; t report information to anyone. 

My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed this bankruptcy from your system. 
As a consumer, the first violation is 15 USC 1681 ( a ) ( 4 ) - consumer rights to privacy.

You infringed upon my consumers right to privacy by obtaining this erroneous information and selling it for profit. The second violation that I notice is 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction. Upon the many other violations, I would like to give you the opportunity to fix this situation by removing this bankruptcy from your system within 15 days. 
Failure to respond or do the right thing ( i.e. Removal ) will result in a complaint to the CFPB, FTC as well XXXX. I do know my rights and youre violating them with this inaccurate information your company is reporting. 
Thank you, XXXX XXXX Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: NJ
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 recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I've sent multiple letters before this with no response and it has created a very stressful situation. The statute of limitations for the state of New Jersey have expired.

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 2023-03-27
Company: The CMI Group, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection agency did not send letters, failed to email me or communicate properly to notify me of the debt prior to placing it on my credit report. I sent them an overnighted letter ( with a return receipt an tracking ) to demand they verify the debt, to prove that I made a good faith payment ( despite it being an open fraud investigation ) and to request that they remove the negative reporting during this open investigation. I also submitted verification ( bank statements ) showing my current address. Instead of complying, they contacted the credit agencies AGAIN and added and " XXXX '' flag to my credit file in order to hurt my score even more. They received my letter at approximately XXXX that day and by XXXX they flagged my credit profiles to aggressively attempt to ruin my credit by ignoring the information I provided them. 

XXXX XXXX XXXX XXXX department received all my correct contact information to investigate the fraud and also took a good faith payment despite it being an open fraud investigation. In the letter I overnighted to Credit Management LP, I informed them of this and they ignored it and attempted to damage my credit more by adding negative information to my credit file. 

I called XXXX to dispute this account over XXXX year ago ( which I now know is a fraud account ). I had no luck as the company took my complain but never got back to me about my claim. This collection company, Credit Management LP suddenly put a dent on my credit report without contacting me. I have never lived at the address the XXXX bill was sent to, I notified XXXX I had no access to that address and XXXX never reached out to me to pay the bill. They called about the boxes XXXX day and I re-informed them that I don't have access and don't live there. An open investigation is ongoing but the account is PAID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: Exeter Finance Corp.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Hello, I am a consumer and I was calling in to put money on an account with Exeter Finance on XX/XX/2022 at approximately XXXX XXXX I initially spoke with a representative named XXXX. I was calling in to put money on the account regarding my vehicle. After the initial data confirmation that is usually done by a debt collector was finished. I said i wanted money toward the account. He then began being very abrasive and started using abusive language towards me. He said that i should pay more and what I was paying was not enough. He then started to threaten me with legal recourse. After he argued with me and belittled me by saying that I needed more money. I realized that he was not going to allow me to put money on the account. I hung up the phone. I then called back and spoke to another representative and she allowed me to put money towards the account and even helped me make a plan so that I could pay the necessary amount for the account to be in good standing at the time. I tried to put in the complaint with the other representative and a supervisor was supposed to call me regarding that said complaint but no one ever called to follow up. 

With all of that being said, Exeter Finance LLC has violated 15 USC 1692d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The use or threat of use of violencXXXX or other criminal means to harm the physical person, reputation, or property of any person. 
( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
( XXXX ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title. 
( XXXX ) The advertisement for sale of any debt to coerce payment of the debt. 
( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
( XXXX ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian, XXXX and XXXX have failed to show any substantial increase in my credit score although XXXX has corrected the defective reporting on their part to all three credit bureaus. 

We understand from correspondence with Experian and from other resources that payment history counts for approximately 35 % of the composition of a credit score. There has been no improvement evident on the score subsequent to XXXX updated information. 

Here is the situation. In XXXX XXXXXXXX granted me COVID relief for my car loan that extended from the end of XX/XX/2021 through XX/XX/2021, when I again began making payments. XXXX did NOT keep accurate records and erroneously reported me late during the time of XXXX relief. When I resumed payment, they applied those payments backwards to the time of initial COVID relief starting in XX/XX/2021 instead of applying the payments from XX/XX/2021 onward. They incorrectly reported me late for slightly over 12 months. This caused me reduced credit lines which raises the usage % of my available credit. After over a year of effort, XXXX corrected their reporting to Experian, XXXX and XXXX and I no longer have any late payments reported from them. 

Since the incorrectly reported late payments were not a result of actions on my part, that correction of XXXX error should have raised my credit score substantially but it has not. 

This situation is now an error on Experian, XXXX and XXXX part. Correspondence with Experian has not resulted in action on their part and despite repeated requests for the name and contact information for someone with the authority to implement the appropriate corrections to Experians records, this has not been provided. XXXX and XXXX site does not provide and option to address the issue since the problem is not one of the options listed.

The errors resulting from this situation have caused me serious professional and personal damage. 

Once the score is appropriately raised, I will be able to reapply for the lines of credit and other terms that this error has caused me to lose and then raise the level of credit available and reduce the amount of % used. 

This experience with the disinterest of financial institutions like Experian, XXXX and XXXX in assuring that they have accurate records is disheartening. I hope you will be able to help me rectify 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