BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-31
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. 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 Bum. 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 three negative credit items outstanding debt now. 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 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 XXXX  XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE

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 2021-05-07
Company: Affirm Holdings, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email from. AFFIRM.COM stating that I owed them a payment. I have not purchased anything using Affirm so I contacted them. They told me it was a purchase through XXXX. I have not purchased anything from XXXX. I contacted XXXX and they have nothing in there system that I made any purchases from them. I let Affirm know those and asked for proof of what I bought and anything I signed. They sent me a contract with an electronic signature. I have never signed this contract, have never seen it, and have not bought anything from XXXX, and XXXX acknowledges this. Affirm only provided me with the loan contract with a statement saying it was electronically signed. 

I want this loan out of my name since this is not my loan, I never signed anything, never bought anything from XXXX. Affirm sent me an email back in XXXX in which I never even clicked on the link to sign anything since I hadn't purchased anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 I have attached in may letters have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information other than adverse items and criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 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 2023-12-07
Company: Experian Information Solutions Inc.
State: KS
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:
Several items that have been dropped from my credit report, due to time, and/or winning a dispute, annotated by other reporting agencies is not being updated on my Experian credit 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 2023-10-24
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX sent me a forgiveness letter XX/XX/2XXXX Experian stating the furnisher provided them information on two disputes that my balance is not XXXX. Experian refusing to fully investigate the dispute and reporting inaccurate information on my credit report. The account is closed with a XXXX balance. XXXX could not have reported my balance of {$29000.00} in XXXX and my ledger balance from there online portal is XXXX. Please see photos of my XXXX account, forgiveness letter, screenshot of disputes not resolved since XX/XX/2XXXX

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 2023-07-20
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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit 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 non-monetary relief
Consumer complaint received 2022-01-31
Company: National Management Recovery Corp. (NMRC)
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a call from not the local county clerks office telling me I needed to come down and sign papers that I was being charged with fraud with the outcome of having my license suspended. The number was spoofed because I called the number later and they said they had no record or would they call. They provided a case number and the number to call. Stating it was XXXX offices. I called the number which the lady answered " law offices '' and transferred me to their " legal department '' where the gentleman said I was being charged and the only way to prevent further action was to pay. After stating I am unable to pay anything but XXXX he then put me on hold and said " legal counsel '' offered three payment options, and that if I couldn't do anything of those I was basically out of luck. I was told they would seek legal judgment against, notify my employer I was being charged with fraud and they would also seek garnishment. I was pressured into making a hefty upfront payment out of fear, but now after further investigating I was duped into calling and making a payment that I do owe but the company misrepresented themselves and utilized a local number of my county clerks office to scare me into calling their fake law office. Now all the receipts reference NRMC and not a law office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: CURO Intermediate Holdings
State: TN
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 understand that there is a law that states payday loan companies are not allowed to report an account in collections on your credit report. AD Astra Recovery is the company that has the collection listed on my credit report. The original creditor is Speedy Cash, which is a payday loan company. 
I have never received any communication from AD Astra regarding this account. They posted this as a collection account on my credit report in 2021.I recently learned about the law that states a payday company can not list a collection account on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX my home was damaged in hurricane Florence. I fought with the insurance company for two and a half years. My roof was unstable and severely damaged. Hurricane Dorian was headed to Florida and I feared my roof would not make it. I then paid out of pocket over {$25000.00} to get a new roof before another hurricane came. By doing this I fell behind on my mortgage. When the pandemic hit in XXXX of XXXX, my income was disturbed due to a closure at the spring training facility at which I am employed. I contacted my mortgage company XX/XX/XXXX and explained that I needed my insurance check to reimburse me and that money would make it possible for me to pay them. Although I mentioned COVID effecting my income, no assistance was offered. I was not given my insurance check and was unable to pay. Again in XXXX, XXXX I contacted my lender and requested they release the insurance check. I again explained that I needed to be reimbursed to reinstate the loan. Again, I explained that COVID had disrupted my income. Again, I was not given the insurance check and was not offered any COVID assistance. I was told that I would have to apply for a modification. I did. The modification review was open from XX/XX/XXXX - XX/XX/XXXX. I was denied and no assistance is available to me. SPS also filed for foreclosure. I was negatively effected by a hurricane and a global pandemic and my lender has withheld information regarding possible assistance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong 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 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 2023-12-07
Company: Experian Information Solutions 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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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 2022-12-07
Company: EQUIFAX, INC.
State: AL
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 I have the right to privacy. 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 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
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: IL
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:
15 U.S.C 1681i ( 5 ) In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXXhas violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15U.S.C 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX XXXX Account, XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2023-07-21
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
To whom it may concern : US bank placed a hard hold on my joint checking bank account on XX/XX/2023 and subsequently informed me that they will be closing the bank account. Routing Number : XXXX. Bank Account number : XXXX. Account holders XXXX XXXX XXXX and XXXX XXXX XXXX, ( married ). 

I am writing this letter because US Bank is refusing to return to me my account balance of {$9400.00}. US Bank told me that I am not allowed to withdraw the funds at the local branch if I visit them. Instead, US Bank first told me that they will mail me a check for the balance on my checking account after 7-10 business days, which means I may not receive a check via mail for 2 weeks. Next, US Bank told me that they have the right to hold my bank account balance for 90 days while they review my bank account. 

Despite visiting the local US Bank Branch in XXXX, CA on XXXX XXXX, and making numerous phone calls to the US Bank fraud department, the US Bank bankruptcy department as well as the US Bank fraud liaison department, I was told again and again that nothing can be done to assist me further, and that they could not explain why they had chosen to close my account and hold on to my funds. I am in XXXX  XXXX bankruptcy and my attorney also sent them two letters telling them that it was illegal for them to place holds the funds in my bank accounts, to which they said they would lift all the holds, but a hold on my bank account balance remains in place as of this date. 

The hold on the funds in my bank account is creating an immediate, severe economic hardship for me and my husband. The bank 's actions have resulted in reversing my mortgage payment, reversing my XXXX XXXX XXXX utility payments ( resulting in my power being cut off ), and leaving me without any cash in my pocket for reasonable living expenses ( like food! ). I have also accumulated numerous late fees and bank return fees as a result of US Banks actions. My mortgage payment, my XXXX  XXXX payment as well as my electric payment have been returned and I have been charged additional late fees and bank return fees. 

Moreover, I am shocked by US Banks lack of customer service, downright meanness, inhumane and probably illegal behavior. It seems that US bank does not care if their actions put people on the street. 

Please force US Bank to return me the balance of my bank account funds immediately! 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
i did not open this account and would like it removed asap

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 2022-01-31
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
As soon as i missed one payment from XXXXXXXX XXXX they started calling me and harassing me. 
They will call every single day 3-6 times a day. 
I have blocked so many numbers. 
It either comes up as XXXXXXXX XXXX Or Midland Credit or they will use a local number thinking  ill answer. 
I have blocked a ton of their numbers they still find a way to harass me. I have answered telling them to stop calling me and leave me alone they hung up and still call. They will not leave me alone. This is absurd i have way more documents showing how often they call. Its ridiculous. There is no reason to call someone so much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: OH
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2017-09-15
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I was offerd a remodified loan. Due to the high equity in my Home, I was approved. My loan became unachievable after taxes and Hazard Ins. were added without my knowing, making my account several months past due, very shady. I agreed to the Modified trial period and made my payments on time. I recieved the Modified Loan papers in the mail with a two week deadline to sign. I noticed they added Hazardous Insurance and Taxes to my payment. After calling, I was told I did have to pay the Taxes but not the Insurance as long as I had my own policy, which I do. I tried calling and spoke with a represetative named XXXX ID # XXXX who was very rude and gave no explanation why I would have to pay them for an Insurance policy I already had. I called back and managed to be transferred to the Ins. Dept., who explained to me that not only did I not have to pay escrow for insurance but figurewd out they owed me a refund. Now, I do n't have much time to reply before this offer goes away and no where to turn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation