BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 has violated my federal protected consumer rights of privacy and confidentiality under 15 USC 1681. Please see accounts and third party furnishers who are violating me : XXXX XXXX XXXX Has violated my rights Date of inquiry : XX/XX/2020 XXXX Has violated my rights Date of inquiry : XX/XX/2020 XXXX  Has violated my rights Date of inquiry : XX/XX/2020 XXXX XXXXXXXX Has violated my rights Account Number : XXXX XXXX Has violated my rights Account Number : XXXXXXXX XXXX Has violated my rights Account Number : XXXX The following companies are furnising these reports : XXXX, XXXX, & Transunion 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A. Section 2 : It also states a consumer report an agency can not furnish account without my written instructions Friday 15 USC 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 conventions of crimes which antedates the report by more than seven years.

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

I have had serveral calls from numerous debt collectors harrassing me about these furnished debts these companies continue to furnish and invad my privacy

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 2023-09-22
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-25
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
To whom it may concern, I currently have a complain regarding the collection agency named Midland Funding LLC. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX. I noticed on XX/XX/20 that I got garnishment due to my 7+ years old debt. Based on Fair Debt Collection Practices Act this account should have been deceased. Also I was never handed a lawsuit paper regarding this garnishment. The total garnishment so far was {$570.00}. I believe this is against the law to get garnished without handing you a summon. Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting  timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied to refinance an existing mortgage with Bank of America. I responded to questions from the Primary Originator explaining what I desired to accomplish in the way of terms for the refinance, including the fact I do not escrow property taxes or insurance. I was told starting the refinance required payment of a credit report fee of {$28.00} which was nonrefundable and an appraisal fee of {$860.00} which was refundable any time prior to the occurrence of the appraisal. I submitted all requested documentation. During the process I received 3-4 Closing Disclosures which began to create concern as well as recurring requests for additional information which became burdensome. At a point prior to the appraisal I suggested the process stop and the {$860.00} appraisal expense I paid be refunded at which time I was told it was too late to receive a refund. I acquiesced continuing to provide the information / documentation requested and allowing the property appraisal to occur. Approximately 1 week prior to closing I was informed Bank of America intended to collect {$10000.00} to escrow property tax. I explained this was unacceptable and I had stated early in the process I do not escrow taxes. The response was that Bank of America requires the escrow of the taxes. A few days prior to the closing date I received two Closing Disclosures both dated the same day and were virtually identical other than section F. Prepaids and the section Calculating Cash to Close ; result being one Closing Disclosure stated {$1600.00} To Borrower and the other Closing Disclosure stated {$8300.00} From Borrower. A telephone discussion with the Primary Originator one day prior to scheduled closing resulted in my being told I would have to pay the {$8300.00} at closing. At that point I requested cancelling the refinance. Bank of America personnel were misleading, dishonest, and perhaps operating fraudulently and the process as a whole was confusing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: VA
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 companies ran my credit multiple times without my permission.

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 2023-09-22
Company: EQUIFAX, INC.
State: GA
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:
Someone opened a credit card under my name at XXXX on XX/XX/XXXX. Also, several other hard inquiries were made, which I do not recognize. I contacted the company and they agreed to close the account. So that account/card is not on my XXXX report. But these hard inquiries are showing on my reports. XXXX has removed them. Equifax and XXXX have not removed them. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. Its almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting me from getting a house for 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 2023-09-22
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: Credit inquiries on your report that you don't recognize

Complaint:
PLEASE REMOVE THESE ACCOUNTS AND INQUIRIES, BECAUSE ISNT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
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:
First, thank you for reviewing my complaint regarding American Express Billing. 

I have spent tens of thousands of dollars with American Express and I always paid my bill on time. I misplaced the the bill due on XX/XX/19 and I was 3 days late in making the payment due date ( the bill was processed on XX/XX/19 ). On my bill due XX/XX/19 I was charged {$35.00} in fees and {$32.00} in interest. I called AMEX to see if they would waive the charges having done so much business with them and only being late this one time by just three days. They refused to accomodate me. So, I paid the bill in full ( Fees and interest included ) on the due date XX/XX/19. On my next bill ( due on XX/XX/19 ) I was charged an additional interest fee even though I paid the previous bill on time with all fees and interest. I called AMEX and the representative stated that they could not waive these additional interest charges on the XX/XX/19 bill even though I paid my previous bill in full and on time with the interest and late fee charges. Again, I explained the previous bill was paid on time, in full, including fees and interest. He stated they call this " trailing interest ''. I call this a deceptive and preditory practice that should be eliminated and never allowed to protect the public from misleading and ambiguous billing pratices. I paid off the balance ( less this " new trailing interest charge '' ) and I closed my account. AMEX continues to harass me with additional interest chages and late fees when I paid my bill in full. The original " trailing interest '' charge was {$19.00}. AMEX continues to charge me late fees and interest on the interest. The latest bill states I now owe {$89.00}. This is harassment and it's wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have a XXXX credit card with Comenity bank, I paid my balance in full by the due date, my online portal was showing a XXXX balance. 
The contact states that if balance not paid in full by due date they will charge interest. 

I paid it all in full on the due date, XXXX days after they charged me interest fee and late fee on the interest fee and another interest fee then another late fee. 

I called the company and they said no one can waive it even if balance was paid in full. 

Its breaching the contract

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-26
Company: PNC Bank N.A.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began a mortgage application approximately XX/XX/2020. 
I submitted all paper work approximately XX/XX/XXXX. Over the next few weeks I had phone calls and emails with my loan officer saying my documents were all good and my loan was going through the system. We had a conversation that my rate was locked, my loan was in underwriting. All was good. THEN, XXXX XXXX contacted me XX/XX/XXXX ( SHOULD be closing any day ) and said he was ready to " start " my loan application saying I had not previously actually done an application and if all goes we could possibly close in 30 to 45 days. I of course panicked at the thought of being homeless. What would I do? 
I got the money to complete the purchase from my XXXX and the sell of then current home. Repairs and upgrades needed in the new home would not be done. I have a leaking basement, badly need insulation in the floors as well as incomplete floors. I'm afraid if I can't finish the flooring it will damage what work we have done. 
I have over an 800 credit score, and my debt ratio is well within the means of the loan I was obtaining NMLS # XXXX XXXX XXXX has impacted me negatively

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently pulled my consumer report and I noticed some inaccuracies. Immediately after I reached out to the credit reporting agencies as well as the creditors who were reporting this information. Every time I reached out to request a re-investigation they would send back generic letters stating the accounts were verified and refused to remove them. The same goes to say about the debt collectors providing the information. I am submitting this complaint because I no longer have faith in the Credit reporting agencies to fulfill their responsibility. Their job is to report 100 % accurate information at all times. When a consumer identifies items they believe are not accurate, they should conduct a competent and fair investigation, one that is not unfavorable to the consumer. They should respect the consumer 's right to privacy. They should ask for consumers ' authorization or consent before furnishing information that is untrue. In fact, 15 USC 1681 states that's exactly what they are legally required to do.

In addition to that, I am writing this complaint, because I sent all violating debt collectors Cease and Desists as well as a Validation of Debt request, but I never received the validation of the debt and to date, the information is still being furnished my consumer report. Therefore they willingly and knowingly ignored my Cesist and Desist.

This is a blatant disregard for my consumer rights which is unlawful and insane. Pursuant to 15 USC 1692c and 15 USC 1692g, this is my legal right as the consumer. This type of conduct undermines the consumer and has damaged my confidence in the banking system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Southwest Credit Systems, L.P did not contact me or provide a notice to dispute the debt from XXXX XXXX  for less than {$40.00}. Instead they put it on my credit report as not paid. I saw this on my credit report and immediately called them to pay. I never received a bill from XXXX  or southwest. I asked southwest to remove it from my credit report after I found out about the debt and subsequently paid it, and they refused to remove it. Then southwest sent me the 1st communication to pay the debt via email two days after I paid it! I told them I would file this complaint and Im happy to provide as much supporting evidence as possible. How they handled this was not right. They never provided me a bill nor an opportunity to dispute the debt. I believe this debt collection agency is violating the FCRA and their practices should be scrutinized. Thanks.

Company response to consumer: Closed with explanation