BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been engaged in an ongoing dispute regarding recurring charges with XXXX XXXX XXXX, and the process of resolution through the Consumer Financial Protection Bureau ( CFPB ) has been incredibly frustrating. Despite successfully disputing these charges, they proceed to close my account, thereby removing them from my credit report. However, to my dismay, a few days or even a week later, the same collection is inexplicably reinstated on my credit profile, this time listed as " open '' rather than " closed. '' This recurring pattern has raised serious concerns and suspicions. This is now the third instance of such an occurrence, and I have taken screenshots this time as irrefutable evidence of the 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 non-monetary relief
Consumer complaint received 2022-05-23
Company: Experian Information Solutions 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:
When I was younger I unfourtuantely was not very protective of my personal information. During the summer of 2014 I left of a trip accross the country to which i had lost all my belongings at airport coming back. Ever since I had had numerous causes of fraud and identtity theft regarding to my name. I recently checked my credit report and was appaled at what I saw. These are the Fraudulent And Opened Account that were not authorized by me nor of my awareness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX There are also XXXX Inquiries that showed up recently on my report without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are just some of the items

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
Company: EQUIFAX, 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:
I've contacted the consumer reporting agencies through multiple platforms via mail or telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached. In regards to the accounts listed below, as a consumer Im demanding a deletion of these accounts. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX  Original creditor : XXXX XXXX 3. XXXX XXXX XXXX Original creditor : XXXX XXXX These accounts are individual actions, they must be delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
AMEX adds interest fees for 2 to 3 billing periods despite all the FULL monthly TOTAL being paid in full. 

For several recurring months, I have been charged in excess of {$1200.00} for interest charges despite each month having paid and exceeded my FULL monthly balance. Their claim is that the 1 day delay in them processing the payment has caused not only the {$40.00} late charge fee, but also accrued interest. 

In looking at the monthly statement each month, my previous balance is less than my payments and credits amount, but just a it was with XXXX XXXX in XXXX when they created fake accounts to augment their service fees and internal metrics, AMEX added the 'pay over time ' product to my account WITHOUT my consent. 

Because of this new feature in my account that was added back in XX/XX/XXXX, it allowed Amex to begin charging interest fees on my monthly balances. And according to them, as they were explaining this to me, is because interest fees continue to be charged for up to 3 billing cycles, despite each month 's balance being paid in FULL. 

I imagine this pay-over-time feature and its relationship to how interest fees continue for 3 billing cycles may not be something that people are familiar with, so I'm hoping that by posting this here, and in the consumer protection website, that more people become aware of this practice which seems solely designed to extract service fees. 

Sincerely, XXXX, Amex Member since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

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 2022-02-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased with XXXX XX/XX/XXXX. I was laid off from work during the pandemic XX/XX/XXXX. I contacted XXXX to initiate my unemployment benefit and the company XXXX began making payments to XXXX on my behalf. I also contacted XXXX multiple times to ask about options for ending my contract and applying for a hardship. XXXX has used multiple tactics and ploys to avoid returning my calls, emails, and correspondences and has since stated multiple times they would offer assistance, but not once actually done so even after contacting the XXXX XXXX XXXX and speaking with their legal team. They claim they report good and bad payments to the credit bureaus, yet the only reporting on my credit began in XXXX of XXXX and reflects no payments made to XXXX before they charged off my account after I made multiple attempts to work out a plan for my account. I tried multiple times to cancel my contract wit XXXX in previous years, but instead they would invite me to an owner 's preview and have me sit there for hours telling me my only option was to upgrade or " trade '' in my previous ownership to end my other contract. Even now after closing account, XXXX refuses to admit their mistake and continues to allow my finances to suffer and will not remove their negative reports on my credit. Their attorneys office XXXX XXXX continues to ignore any correspondence as well. I have continued to contact the XXXX, sent multiple letters to Experian to correct the issue, and contacted the Attorney Generals office.

Contact by the business ; Correction to a credit report So the response that XXXX sent to me ( as they claim above via email ) reads : That the Justice Dept of NC has suggested validity in their contract, which is a lie, I will attach the same letter I received from the NC Dept of Justice which states not such thing abnd XXXX also states they will not remove the credit reporting although it is blatantly incorrect and I have legally already requested a " letter of attestation '' stating that the information they have provided to Experian is accurate.

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 2021-05-23
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my second dispute notice and as I was going over my credit report once again Inoticed some accounts that do not belong to me. The accounts need to be deleted from mycredit report immediately. Other accounts have been transferred to other offices and arenow showing up twice on my credit report. This affecting my ability to buy a home. This is anact of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair creditreporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -PHOENIX FINANCIAL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
State: IN
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:
I have made several attempt to address this account with the credit bureaus and creditor but they fail to fully investigate the account in question. The account is reporting inaccurate, incomplete and erroneous information. After reviewing my credit reports and comparing them I have found multiple inaccuracies, incompleteness and erroneous information being reported. The credit bureaus and creditor have received multiple disputes from me about the account but have failed to update or delete this erroneous information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i sent my letter off on XXXX and XXXX. I told the credit bureaus to investigate every piece of information on the accounts i have listed below. Also i have attached the letter i sent out and here is the tracking # XXXX. ) XXXX, XXXX. ) XXXX, XXXX. ) XXXX According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these account are still not reporting 100 % Accurate. and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. i have the credit report showing the inaccuracies Accounts # XXXX support, # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX XXXX, # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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:
When I was younger I unfourtuantely was not very protective of my personal information. During the summer of 2014 I left of a trip accross the country to which i had lost all my belongings at airport coming back. Ever since I had had numerous causes of fraud and identtity theft regarding to my name. I recently checked my credit report and was appaled at what I saw. These are the Fraudulent And Opened Account that were not authorized by me nor of my awareness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are also XXXX Inquiries that showed up recently on my report without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are just some of the items

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
On these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I sent email requests and appeals to my FHA loan servicer, Mr. CooperXXXX Mortgage XXXX for FHA loss mitigation loan modification programs, specifically, the COVID-19 Advance Loan Modification ( ALM ). HUD counselors has specifically noted this program as the " next-step '' loss mitigation option for my FHA file . HUD directed me to contact Mr. Cooper and request that I be reviewed for the COVID-19 ALM program in which Mr. Cooper has repeatedly ignored and instead, offered a loan modification that increases my interest rate from 3.37 % to 4.76 %. The COVID-19 ALM allows for a minimum of 25 % reduction in both principal and interest payments. In response, HUD counselors have insisted that the ALM loss mitigation program remains available to FHA-insured borrowers until XX/XX/XXXX of XXXX. HUD sent documents including sections from the updated FHA/HUD handbook that specifically instruct loan servicers with steps when processing borrowers for loss mitigation programs. In the meantime, I've further become delinquent in mortgage payments because of Mr. Cooper 's inability to cooperate and review my file to extend the COVID-19 ALM program, which I am qualified for. HUD because of the complaint : Loan # XXXX, FHA case have filed a case number : # XXXXXXXX XXXX XXXXXXXX. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: CORELOGIC INC
State: MO
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 asked CoreLogic/Credco. To know which methods they used to verify such information on my credit file. And what where they reporting to the credit companies and there responses was they cant give me the information that 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 2021-05-24
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sent a XXXX XXXX letter with XXXX and XXXX payment for my mortgage with PHH, Check number XXXX in the amount of XXXX. Received by PHHon XX/XX/XXXX and signed for by XXXX XXXX. Today is XX/XX/XXXX and the check has still not been posted to me account, I have emailed XXXX XXXX, account manager and XXXX, 3 TIMES and have received no response. None. I have called four times to speak with an agent and I am told to be patient. This is the most disgusting company, completely unethical. I am on hold now with agent XXXX, an escalation manager asking why it has not posted. He explained it is with the ombudsman department and the funds are in suspense. Cashiering has not processed. This is unacceptable. The agent XXXX said he will call me back 3-5 days which I said is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: EQUIFAX, INC.
State: IL
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 am reaching out because I am actively working on my credit. I ordered a copy of all 3 credit reports and read over everything carefully, then on XX/XX/2020 I sent in letters to all 3 bureaus, listing each individual account and account number, and asked them to please verify all of the accounts that are on my reports and if they can not verify them may they please remove them from my report. It has been 30 days and they have not informed me of any proof or verification of the accounts. I then on XX/XX/2020 sent all 3 bureaus a certified 30 day demand to comply letter asking them to please remove the accounts from my credit report since they were not able to verify them. I have not heard anything from XXXX, Equifax, or XXXX, so this is why I am reaching out to you to file a complaint to see if you can get the problem fixed as soon as possible, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: NY
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
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: Public record information inaccurate

Complaint:
The three major credit bureaus are reporting a bankruptcy on my file that needs to be removed. This bankruptcy is well past the credit reporting limit however, it continues to report. I have sent in disputes previously regarding this bankruptcy and it remains on my credit. Under the FCRA the limit to report any negative item is 7 years and my bankruptcy is a lot older than that. This needs to be removed so I can move forward with my financing.

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 2021-05-24
Company: EQUIFAX, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
The three major credit bureaus are reporting a bankruptcy on my file that needs to be removed. This bankruptcy is well past the credit reporting limit however, it continues to report. I have sent in disputes previously regarding this bankruptcy and it remains on my credit. Under the FCRA the limit to report any negative item is 7 years and my bankruptcy is a lot older than that. This needs to be removed so I can move forward with my financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt does not belong to me. I have filed a police report because I saw accounts on my credit report that does not belong with me. The credit bureaus removed this account and now have put it back on my credit report which is not fair.

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 2023-10-01
Company: ERC
State: MD
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently checked my credit report and noticed someone opened a XXXX account in my name because Ive never had a XXXX account also some inquiries were made that I didnt authorize. I would like for enhanced recovery co to delete this immediately off my report as it is hurting my score and again I never opened a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I checked my credit report and saw two late payments reported for XXXX and XX/XX/2019. I contacted capital one to let them know I needed the payment plan for a couple months as a transitioned to a new job after the death of my wife. I never received any correspondence via email or by mail so I assumed everything was copacetic. Now im in the process of purchasing a new home for my kids since their mother passed away due to XXXX and these late payments appeared.

Company response to consumer: Closed with explanation