BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: TN
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:
XX/XX/23, XX/XX/23, XX/XX/23 XXXX XXXX XXXX XXXX XXXX requested my credit report and it was considered invalid reporting the last 4 of my social and birthday being invalid for XXXX. 
XXXX was contacted, no valid solution was given.

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 2021-07-29
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter from this company I asked them to verify the debt. I was sent a bill from XXXX XXXX. I dont have auto insurance with XXXX XXXX I have XXXX  I dont owe this debt. Instead this company put this collection on my XXXX  report. I want this off.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My complaint is against  USAA Federal Savings  Bank as it specifically relates to my  XXXX   XXXX   XXXX   XXXX   XXXX  Credit Card. This complaint is regarding an extreme reduction in my line of credit that increase my debt-to-credit ratio to over   XXXX   XXXX   after I had  immediately reduced my debt-to-credit ratio by making 4 payments.      On  XXXX   XXXX ,   XXXX   my  XXXX   XXXX   XXXX   XXXX   XXXX  Credit Card reflected a Credit Limit amount of {$13000.00} and a balance owed of {$11000.00}. Over the span of  XXXX  days I made the listed payments totaling {$10000.00} -  XXXX  {$570.00} ; {$4800.00} ; {$5000.00} on  XXXX   XXXX ,   XXXX   and {$120.00} on  XXXX   XXXX    XXXX   ). Bringing the balance down to {$1300.00} and improving my debt-to-credit ratio to   XXXX   XXXX   of my credit limit. Note : ( I have over   XXXX   XXXX   history with  XXXX  and none of my accounts have been late or have had a negative review and this is reflected in my credit report from Transunion, Experian, and Equifax  XXXX .   Per my conversation with a USAA Bank representative on  XXXX   XXXX ,   XXXX  , I was told that on  XXXX   XXXX ,   XXXX   they reduced my line of credit to {$2500.00} and that they sent me a letter letting me know about this and this was due to some adverse information on my credit report. The request for reconsideration of their action and that the decision be reversed was declined. I informed USAA Bank that this action did not reward good behavior, that it in fact punished me because my debt-to-credit ratio increased to slightly over   XXXX   XXXX   and that this was just after I had made them a payment of {$10000.00}. I pulled my Annual  Free  Credit Report on  XXXX / XXXX /  XXXX   and after carefully reviewing my report I do not see anything on my credit that is negative to warrant such an impetuous action on their part. I questioned if this financial institution has a genuine and sincere interest in supporting the family members of a military veterans. I have faith in USAA Bank and I hope this is just a misunderstanding.     I am also reaching out to CFPB for support on this matter. I would like my {$13000.00} line of credit restored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
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: Account status incorrect

Complaint:
my complain is about my  credit score  on  XXXX   XXXX    XXXX   my  credit score  decrease  XXXX  pts from  XXXX  to  XXXX  then on  XXXX   XXXX  it decrease  XXXX  points and  XXXX  points from  XXXX  to  XXXX  .In that time frame the only thing happen is i paid a loan of  XXXX   (  unify financial credit union ) in full  2  yrs before my term expire and during that month i do n't have a late payment my credit usage is 9 % and  XXXX  deliquent account was deleted on my report.All this positive things i did why did my  credit score  went down from  XXXX  to  XXXX .i called experian and they do n't have any  explanation.Now Honestly to me credit score  is a joke it was made to help all Banks, lending company and Credit card com. makes more money .lender will deny you even if your score is above  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 2022-03-07
Company: Experian Information Solutions 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:
For your consideration, All three credit bureaus have addresses along with dates of residence listed on my credit reports. Some of this information is incorrect and inaccurate, but what is more because my change of addresses have been numerous over time this could place me in a vulnerable position in applying for future credit. 

Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves the use of XXXX algorithms which may filter according to numbers of changes of address -- a type of stigma and discrimination on the part of lenders. 

To protect my right to privacy from these and other unethical forms of practice at large which are in the process of being greater regulated please remove from all of my credit reports mention of previous addresses in accordance with the Fair Credit Reporting Act. 

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 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from me.

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 2018-04-25
Company: NATIONSTAR MORTGAGE LLC
State: AL
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:
My home mortgage was transferred to nation star, now Mr. Cooper in XX/XX/XXXX from XXXX XXXX. When it was transferred I had a check in the amount XXXX that was cashed by XXXX XXXX but not transferred to Mr. Cooper mortgage. I began by calling Mr. Cooper and then XXXX and back and forth I finally wrote a letter because I was not getting an any answers. I have a letter dated XX/XX/XXXX that I wrote to XXXX XXXX ... now Mr. Cooper. I explained the problem and asked that they find my money and apply it to my account. My usual house payment is XXXX, however I often doubled or more my payment so I had more than 2 payments lost in the transition. I asked that they find my money and correct my records. They assured me there was a grace period for my payments in this transition and that no problems with my credit would occur because of this. I received a letter from Mr. Cooper on XX/XX/XXXX explained that they had found my money and that the payment was applied to my account. At that date I was paid until XX/XX/XXXX. I continued to make my payments at the exact amount of the payments. I did not trust it to make over payments with mr Cooper since their record keeping seemed poor. after some more back an forth my records were corrected and I was sent a history of my payments at my request. I was assured that I was in good standing and that nothing was late. in the middle of XX/XX/XXXXthis popped up on my credit report and Mr. Cooper had reported that I had made two payments late by 30 days in XX/XX/XXXX and XX/XX/XXXX. That is untrue. I am trying to buy a house right now and it took my credit rating from above an 800 to the mid to low 700 's. My closing date has been set for XX/XX/XXXXand I have called and written to Mr. Cooper to ask that they correct this, Yesterday I received a letter from them that it would be at least another 30 days before they would get back to me. By that time my house will have closed and my credit will have determined another loan percent for me. I have explained this to Mr. Cooper on more than one occasion. I need to have this cleared up before my closing date and in time for my lender to have an accurate credit report on me. I have records scanned in to send to you. verifying what I have said to you in this letter. I need help and it needs to be quickly to make a difference in my loan. I am very unhappy with the responses from Mr. Cooper. This is not the only problem I have had with their service. I want to file a complaint. Thanks you in advance for any help you can give me with this very frustrating experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
There was suspicious activity on my account. A Bank Of America representative contacted me and told me to contact them, So I called Bank Of America and told them what was going on, so the representative asked me what kind of phone I had and I told her an XXXX XXXX, so she asked if I had given out my passcode to anyone I said No. then she told me that someone with an XXXX phone was trying to access my account and that they were gon na have to close my account, So I asked her about my direct deposits that I had coming to my account would go back to the sender and any remaining balance would be mailed to me, And she said because of the activity on my account I am a risk to them and their safety. I have been a Bank Of America customer for years and they do this.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
I have submitted letters to them via XXXX XXXX, mail & via Experian app, I am resending this letter to get validation of the debt and will need a response within 30 days, the only send letters stating that the debt is verified but not how it has been verified or anything

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 2018-04-30
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper CFPB Complaint Summary The mortgage company, Mr. Cooper, failed to pay property tax bill due XX/XX/XXXX from escrow account. We called Mr. Cooper roughly six times with no resolution. Having lost confidence in Mr. Cooper to address the issue, my wife and I paid our property tax bill on XX/XX/XXXX from our personal bank account with the accrued 10 % late fee. The property tax bill was {$3800.00}. The late fee was {$380.00}. The total paid from personal bank account was {$4200.00}. Mr. Cooper failed to address the issue and in most cased failed to even acknowledge the issue. We requested our escrow account be closed on XX/XX/XXXX and received confirmation of escrow closure from Mr. Cooper on XX/XX/XXXX. We received our escrow funds on XX/XX/XXXX. However, the 10 % late fee that was paid from our personal account, not from escrow, was not refunded as was indicated it would be. 

On XX/XX/XXXX, we called Mr. Cooper and requested a refund for the 10 % late fee that we paid out of pocket. The representative at the time acknowledged that Mr. Cooper failed to pay our taxes and that the late fee was incurred. The representative acknowledged that we paid the bill out of pocket and that Mr. Cooper owed us a refund for the late fee. She gave instructions on how to request the refund, which included faxing the following to Mr. Cooper : 1 ) cover letter explaining the issue 2 ) copy of the property tax bill 3 ) property tax payment receipt showing we paid the bill with late fee. The documents were faxed on XX/XX/XXXX. No response was received from Mr. Cooper. 

Over four to six subsequent calls to Mr. Cooper, the issue was explained over and over, to a new representative each time with no prior knowledge of the case. Each representative had different responses. Some clearly acknowledged we were owed the 10 % late fee of {$380.00}, while others insisted Mr. Cooper owed us nothing. None acknowledged that a fax was received, even after verifying the fax number on the fax confirmation page. Each call ended with Mr. Cooper assuring me a refund check was coming for the late fee. Two representatives said they would call back the following day after researching, and never did. 

Again, on XX/XX/XXXX, I called Mr. Cooper to follow-up and, again, I had to explain the issue for the first time to a new representative with no prior knowledge of the case. After approximately 15 minutes the representative, XXXX XXXX agreed that Mr. Cooper owed us a refund for the 10 % late fee. He apologized and provided his email address at Mr. Cooper to follow up if we hadn't received a check in 15 business days. After waiting the recommended period, no check came. I followed up with XXXX on XX/XX/XXXX and received no response. This was the final correspondence. 

It is my believe that Mr. Cooper has no intention of refunding our late fee of {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it.

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 2023-05-24
Company: Experian Information Solutions Inc.
State: OH
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 have never had an account with XXXXXXXX XXXX ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals 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 2017-05-02
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: Public record information inaccurate

Complaint:
I am filing complaint against XXXX and TransUnion for reporting inaccurate information regarding Bankruptcy that they are reporting on my credit file. I sent them letter regarding my dispute and I received the results stating verified. They did not verify anything. The information they pulled is from a third-party reporting and that I was told from the Court Clerk they do not report along with attached copy of the letter from the court saying they do not report therefore it needs to be deleted.

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 2023-09-14
Company: CL Holdings LLC
State: MD
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: Problem with personal statement of dispute

Complaint:
{$4100.00} inaccurate information no action was taken nor court to address this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: WESTERN UNION COMPANY, THE
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I attempted to make 2 western union bill payments for the amounts of {$2400.00} and {$2400.00}. They were rejected by the bank I was sent them too. The bank has transferred the money back to Western Union, but Western Union refuses to refund me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is a written notice to XXXX XXXX who acts as COO of XXXX XXXX XXXX  that I the consumer who acts as the agent for XXXX XXXX am invoking my right to rescission. I rescind all signatures, endorsements, and consents of the use of my information there of. My right to privacy has been violated, certain disclosures about the interest of my own goods were not given to me, and conspicuous disclosure about the finance charge was not given to me. I demand all payments, and money be returned by check, I also demand the cancelation of my contract with you, and everything stated above mailed to the address of XXXX XXXX in good faith.

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 2022-03-07
Company: Braviant Holdings, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I started receiving e-mails where someone -- not me -- was applying for a credit loan using my identity. Balance Credit proceeding with underwriting and the process to open a credit loan ( I'm not sure what type exactly ) under my identity. It appears the scammer proceeded all the way and is in the process of submitting back account verification. I did not apply for this credit or loan. I did not consent to anying doing so on my behalf. The business may also conduct business as SunUp Financial , LLC d/b/a BalanceCredit.com ( Balance Credit ). 

I e-mailed the XXXX e-mail address stating that I was the victim of identity theft and did not apply for this loan. I received an automatically generated e-mail stating that " This email serves as confirmation that loan application number XXXX has been cancelled. '' I am unable to receive a personalized response to address my concerns about the identity theft. Likewise, the telephone numbers on the website are not working numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2022 I sent off letter certified mail Tracking # 's XXXX & XXXX I told them to investigate because my rights were being violated. 

The Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. They have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit reports as well. Below is the list of laws that have been violated.

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 1681 section 602 A. States I have the right to privacy.

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 response to consumer: Closed with explanation