BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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: Account information incorrect

Complaint:
I currently have a collection account with XXXX XXXX XXXX XXXX with a current payment arrangement. Equifax is report this account twice on my credit report. I only have 1 account. The duplicate account is negatively affecting my credit score and the purchase of a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: AR
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 was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened an American Express Delta Platinum card earlier this year and they have not sent the XXXX  mile sign up bonus, nor any miles from my purchases to my Delta SkyMiles account. I have spoken with both Delta and AmEx multiple times over the past month to confirm that they have my correct SkyMiles account. The last conversation I had with AmEx yesterday, they saw that none of my miles had been sent and werent able to tell me why. They opened a case but said it would be over a month until I heard back. There are flights I have been waiting to purchase that have gone up by multiple hundreds of dollars/multiple thousands of points while waiting for my points to come through so this has cost me significantly from a financial standpoint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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:
My name is XXXX XXXX and I am submitting this complaint myself. 

After reviewing my consumer report, I noticed many inaccuracies in personal identifiable information. No permissible purpose was given directly to ANY consumer reporting agency on ANY occasion to report ANY information about me as it relates to ANY names, numbers, addresses, etc listed on my consumer reports and file. 

Please be advised that without permissible purpose, the consumer agencies have committed a violation against my consumer rights and this type of behavior is very inappropriate.

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 2023-08-17
Company: Experian Information Solutions 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or remove these inaccurate items from my file. 
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 explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I saw a new report about the company. 
I looked at my account and discovered that even though my interest rate is 2.875 %, the principal going to my mortgage is {$460.00}, the interest is {$550.00}, the escrow is XXXX. 
I even added an extra XXXX a month to help pay off the mortgage early. 

My upaid principle balance is the same as the amount I paid on my home 3 years ago. 
At this rate I can not pay off my mortgage in 30 years, which was promised. 
I am hoping you can assist me. 
Thank You for what you do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Affirm 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: Account information incorrect

Complaint:
They have yet to update the account 's status on my credit report. This account has been paid off as of XX/XX/2023, and they are showing a balance is still owed as of XX/XX/2023, which has a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I, XXXX XXXX XXXX XXXX am filing a complaint against CAPITAL ONE AUTO FINANCE. 
Capital One Auto Finance has written this debt off of their books as a charge off. By definition : A charge-off is a decision by the Agency to REMOVE DEBT from Agency receivables , however, future payments MAY be received. Please provide me with a copy of the 1099C that was filed by your company and delete this account from my consumer report. Furnishing this alleged debt to my consumer report as a means of coercing me to pay is EXTORTION. COLLECTION OF EXTENTIONS OF CREDIT BY EXTORTIONATE MEANS IS A VIOLATION OF 18 USC 894 AND CARRIES A CRIMINAL LIABILITY OF UP TO 20 YEARS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: MD
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 to the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C. 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously sent my complaint Experian about blocking or removing all the information that is erroneous and fraudulent. They failed to organize a proper investigation to confirm and validate the items and unauthorized inquiries since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : 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 Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : 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 2018-10-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Management Services recently purchased our mortgage from XXXX XXXX. Starting with last month, payment due XX/XX/2018, they have failed to record our payments for which we have canceled checks that were cashed before the due date ( for payment, cashed on XX/XX/2018 and for Escrow, cashed on XX/XX/2018 ) as of now these payments have still not been credited to our account. We called them on XX/XX/XXXX to try and resolve this payment matter we were greeted with a rude adversarial representative who could not verify any information forcing us to fax all our proof to them. They responded with a letter stating they needed 30 days to look into the matter ( this is absolutely unreasonable ). We have not received any statements for payment due XX/XX/2018, to prevent being delinquent we mailed a check for XXXX which was cashed on XX/XX/2018. Now on XX/XX/XXXX we have received a delinquent report and late charge assessment for the past two months. We have still not received any statement to pay our XXXX payment. We did not choose this company they are completely incompetent and our credit is being destroyed. I am trying to get this company to cooperate before things get out of hand and a lawsuit is the only answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Absolute Resolutions Corp.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice for Proof of Claim Account : ABSOLUTE RESOLUTION INVESTMENTS LLC XXXX ToWhom it may Concern : This this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned orCollected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: First Technology Federal Credit Union
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2021. I the consumer. Under 15 usc 1602 ( i ), original creditor and natural person in fact, blood and flesh man of given name XXXX XXXX XXXX. Come before XXXX In good faith to the cfpb. Whom Is Allowed and appointed by congress Pursuant to 15 usc 1691 ( c ) - Administrative enforcement ( a ) ( 9 ) to address this issue.. I the consumer was denied extention of my credit. Based on the allegations of records found in my documentary material attached in this compliant. The alleged found is, a violation pursuant to 15 us 1691. Congress has not set out forth these decisions as LAWFUL reasons for non discrimination or refusal of my extension of credit under 15 usc 1691 ( b ) ( c ). Also, as this adverse action has not been deemed satisfactory under 15 usc 1691 ( d ) ( 5 ). As I have not exceeded 150 applications within a one year calender. Also, on the facts given, it is also a violation under 15 usc 1691 ( e ) ( 1 ) as stated company failed to furinsh me with the copy at no additional cost of any and all written appraisals and valuations developed in connection with my application but, in no case later than 3 days prior to my denial decision. Stated company is also in violation of failure to notify me during the application of my rights to recieve a copy of each appraisal under 15 udc 1691 ( e ) ( 5 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to address an urgent matter regarding the recent payment I made to settle the collection account on my credit report. Despite fulfilling my part of the agreement by promptly paying the balance due, I have discovered that the collection item has not been removed from my credit report as promised. 
To provide you with a brief overview of the situation, I recently reported pro collect to CFPB and was informed by them " The consumer was sent to collections on XX/XX/2022 from XXXX XXXX XXXX. The balance due is {$100.00}. The consumer was mailed a letter notifying the consumer of the debt due. The consumer 's dispute was reported and proof of debt will be mailed to the consumers mailing address. As a solution the consumer may call the office at XXXX ext. XXXX XXXX XXXX to pay the bill. As a courtesy Procollect will extend a courtesy deletion. Within 24-48 hours Procollect will furnish a paid in full letter via email or fax. Thank you for your time and patience in this matter '' We agreed on a resolution where I would make a payment and Procollect would extend a courtesy deletion, effectively removing the collection entry from my credit report. 

I made the payment in full, as per our agreement. However, I have since reviewed my credit report and found that the collection item is still listed, negatively impacting my credit score and financial standing. This discrepancy is causing me significant distress and concern, as I have taken proactive steps to address this matter in good faith. 
I kindly request your immediate attention to rectify this situation. As agreed, I expect Procollect to honor its commitment and promptly remove the collection item from my credit report. Additionally, I would appreciate receiving a paid in full letter via email or fax, as previously mentioned in our communication. 
Please understand that this issue is of utmost importance to me, and I expect a prompt and satisfactory resolution. I am confident that we can find a suitable resolution to this matter. 
I eagerly await your response and a prompt resolution to this issue. Thank you for your attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: BSI Financial Holdings, Inc.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to refinance my home from BSI. Previously, we had to settle out of court because of their lost their summary judgment in court back in XX/XX/XXXX. In the agreement, I was to be able to refinance the home anytime without any prepayment penalty. The first time I tried to refinance, BSI told the XXXX XXXX XXXX XXXX that I was XXXX. This was a lie. BSI never corrected this with the XXXX. Fat forward almost XXXXhree years later, I am trying to refinance through my local bank, XXXX XXXX XXXX XXXX. I was able to go online to acquire my payoff through the online services. As of XXXX BSI has stop allowing me to get my payoff through the online system. Their attorney contacted my attorney and told my attorney that I would have to go through him to get a payoff. On XX/XX/XXXX,, my attorney contacted their attorney in writing requesting a payoff. This was the first time requesting it. BSI has failed to provide my payoff still. The mortgage company and title company requested the payoff as well. BSI lied and told the title company they faxed it. The title company stated they have not received it and have never seen a mortgage company conduct business like this. I have tried calling BSI and now they say its a desist and cease on the account and I can not get a payoff until legal gets involved. My attorney had requested another payoff on XX/XX/XXXX. BSI still elects not to send me a payoff. BSI like the first time are trying to keep me in this bad loan. Additionally, BSI has reported at the end of this month that I owe over {$500000.00} on my home. This is incorrect. This is another tactic they used in my opinion to lower my score whereas I can not refinance my loan. By increasing the amount owed to what the purchase price is hurts your credit. I am quite aware BSI knows this as well. Because of their actions, my credit score dropped XXXX points on all major bureaus. I went online to look at the balance and it is showing {$250000.00} as the principal balance. This was the same amount that was being reported to the credit bureaus the month prior. From XX/XX/XXXX to XX/XX/XXXX my balance owed increased almost over {$250000.00} on all major issued. BSI Financial are using " predatory '' tactics to keep me in a bad loan. They are refusing me to refinance by not giving me the payoff. This is a payoff that has been requested twice. Once in XX/XX/XXXX and secondly, XX/XX/XXXX. My attorney contacted their attorney and still nothing has been produced. BSI is aware that I am trying to close but, refuses to assist as they are obligated to as a mortgage provider

Company response to consumer: Closed with explanation