BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
As a XXXX XXXX XXXX that gets paid twice a month, I began paying my mortgage through bill pay from XXXX XXXX in the amount of {$920.00} in XXXX of 2019. Around XXXX of 2019 my mortgage company called about my payments. They said I missed a payment I explained that I had automatic payments set up so that couldnt be. At the time they informed me that my mortgage payment had increased by {$100.00}, which I never received any notice of. I was also informed that several of my half payments were misapplied. However, I was told that they would reverse it. In XXXX of 2019 I increased one of my half payments to cover the {$100.00} increase from XXXX and then changed my automatic payments to reflect {$950.00} on the XXXX and XXXX of the month. From XXXX to about XXXX I continued to receive calls from my mortgage company saying my account was delinquent. Just about each time I spoke with someone they said a payment was misapplied, finally in XXXX they escslated it. I continued to be in constant contact with the company explaining that I never missed a payment. Finally in XXXX the escalation company called and said they didnt find any errors and that I needed to supply proof. I submitted a digital message on their site with my bank statements showing the payments as well as their statements showing where the payment was misapplied. They have since refused to adjust my account even after supplying the proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
Company: CL Holdings LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Was told they were allowed to run my credit to sell my closed written off debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent numerous of letters to XXXX, XXXX, TransUnion! We have not heard a response in XXXX business days. By law if nothing is sent in 30 days they are to remove all accounts listed below. Also by law 15 USC 1681i says that there credit investigation would be done with a neighbor and they have not followed the laws. In my letters I stated I was take action. 

These are the accounts below XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and remove all Listed accounts from all bureaus.

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 2023-02-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom this may concern By the Fair Credit Reporting act. The list 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 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 : its also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( c ) section States : no consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by the seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report 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 2022-11-29
Company: EQUIFAX, INC.
State: TX
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:
XXXX account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXX I reached out and informed them about these accounts that are not my accounts and to remove them from my record but they have not removed it. I did not open these accounts and I have no knowledge of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
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:
XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Reported : XX/XX/2019 - {$780.00} Closed XX/XX/XXXX Reported : XX/XX/XXXX. XX/XX/2019 - {$500.00} Closed XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX, FL 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 2018-05-09
Company: Bread Financial Holdings, 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:
I filed countless dispute with XXXX & XXXX, about them reporting XXXX XXXX on my credit report, The account will be deleted and then added back just back & forward. I filed a dispute again in XX/XX/18 and receive a email that the investigation is completed and they verified the account accuracy, so when i call on the phone and gave them the dispute file # XXXX and was told to me the account was deleted, 2 days later I receive an updated credit report stated that the account was verified, so I called back and was told that XXXX sent in verification. I sent out certified letter on XX/XX/18, XX/XX/18 to XXXX, XXXX and XXXX requesting a method of their verification and the name, address and phone number of the one involve in the verification. XXXX and XXXX said that XXXX XXXX verified the account and transmitted the information to them, XXXX sent out a letter to me stating that they no longer have the account it was sold to XXXX XXXXXXXX XXXX. wow ... how is the credit bureau saying that they verified this account through XXXX jeweler ... how are they continue to reporting this account under XXXX name. Credit reporting should be reported accuracy name, account number, dates and correct contact information of the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX  credit card, Comenity bank. I called to close the account on XXXX/XXXX/22. I paid off the less than {$10.00} balance at the same time, meaning the account should have been completely closed. That was over a month ago, and the card still shows active on the company 's website. It still shows a credit limit and an available credit amount. It also shows a XXXX credit because they overcharged me when I paid off the card. I've since called back twice to again demand they close the account. Each time, they refuse to let me speak with a supervisor and assure me the account is closed. They ignore my questions about why the website shows the card is still open. I'm still getting " your statement is ready '' emails. Out of curiosity, I clicked on the " request a credit limit increase '' on the site, to see if *that* would show the card closed, but it actually says I currently have an active request for a credit increase. I closed the card because this bank is sneaky about when and how it posts things like finance charges, manipulating things so they can add late fees ( they post the finance charge to the account *after* you pay the balance off, so you have a {$1.00} balance you didn't know about then they hit you with a late fee the next month on that {$1.00} balance you didn't know you had. ) I can't keep checking this card every month just in case they sneak a charge onto it that will cause me fees and hurt my credit. I need them to actually close this account -- they can not legally force a person to keep a credit card with a zero balance open.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX ( 1st and 2nd accounts ) - has late payments on, *Experian has ( 2- XXXX XXXX accounts reporting ) : [ 2nd account ] XXXX, XXXX, XXXX and XXXX of XXXX. [ XXXX account ] 60 days late December 2019, 90 days late January 2020, 120 days late XX/XX/XXXX. According to : *15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; - { Late payments are a transaction } - According to 15 usc1681a ( 2 ) ( B ) : The consumer report does not include Authorizations or approvals of specific extensions of credit. Any loan or Credit Card reporting to my consumer report is a " specific extension of credit ''. Therefore I request that the list below be deleted. Experian : -The ( 2 ) XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX- XXXX  ( 2 ) 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 XXXX My Privacy is everything and the Consumer Reporting Agencies must protect it in accordance to 15 USC 1681 ( 4 ). But, they don't, they have allowed the reporting of any and every account without my written consent.

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 2018-04-26
Company: FEARON FINANCIAL LLC
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Keller XXXX Mortgage is advertising to consumers that they can guarantee lower rates, costs, and savings on their mortgages without any apr disclosure, or how they are doing it. This is simply not allowable. Please have them stop as they are deceiving consumers and not following the rules we as lenders all have to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX # XXXX has violated my rights, XXXX XXXX # XXXX has violated my rights, XXXX XXXX # XXXX has violated my rights, XXXX XXXX # XXXX has violated my rights, XXXX XXXX XXXX # XXXX has violated my rights, 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 an 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 or 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 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 2023-08-18
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Old addresses old debts and Bankruptcy whom is requesting that be on 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 2020-08-06
Company: SUNRISE CREDIT SERVICES, INC
State: WI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke in XXXX of 2020 with Sunrise Credit Services about this debt. I said this debt should never have been charged to me as it was a mistake from the university. They told me to talk to XXXX and that XXXX university would then in turn talk to them to cancel the debt. They told me to wait a month. So I spoke with XXXX University who said they would speak with Sunrise Credit to drop my debt. The amount has increased since it went on my credit report and it also shows as late payments instead of just a collections. 

I was withdrawn from XXXX University and they registered me anyway. Then charged me for the classes I missed that I didn't even know I was registered for. If you look at my very extensive history of schooling - XXXX XXXX ( I have used school loans to pay for my education ). I have never, ever not told a university if I was no longer going to be a student. I have attended several other universities and have never had this happen to me. In fact, I use school loans to pay when I attend online and in-person universities. When I went to XXXX they did this two me where they registered me for a class and I had to call and tell them I didn't want it. It was like an automatic registration. Normally, you have to physically register for a class. 

XXXX said I owe them {$3000.00} for a semester that I did not even register for. I was not at the school during that time. Then Sunrise Credit appears to have changed the amount owed to {$3600.00}. When I spoke with XXXX to get this dropped they said that the collection agency added the extra {$610.00}. Which I thought was illegal. So when I spoke again with Sunrise they said they didn't add that extra that was what XXXX reported. Then they both promised that they would work this out and drop this false charge. It is not XXXX and I disputed it again on my credit report, but nothing has changed. 

I am worried that XXXX University is trying to get money from students by registering them for classes even though they stopped attending. I need to access my XXXX email to show proof that I contacted my advisor telling her that I would not be returning to the program. I never intended to return to XXXX, yet they still charged 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 2021-10-25
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I noticed 2 unauthorized inquiries on my credit report by done by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, I then contacted Equifax via mail on XX/XX/XXXX and disputing the two inquires, i asked them to investigate and remove this, I did not apply for anything with XXXX XXXX XXXX, someone else applied for something in my name. 
Equifax sent me a notice back stating " inquires are a factual record of file access and will remain on my credit report for Two years for the report date '' I contacted XXXX XXXX on XX/XX/XXXX, they told me to dispute the inquires through Equifax and they will remove them. 

Therefore I filed another dispute online on XX/XX/XXXX and XX/XX/XXXX disputing the same two inquiries from XXXX XXXX XXXX  and once again I received a response stating " inquires are a factual record of file access and will remain on my credit report for Two years for the report date '' I called Equifax at XXXX on XX/XX/XXXX and spoke to a XXXX at XXXX CST about the inquiry disputes, he refuse to put them in investigation, XXXX stated that " that inquiries CAN NOT be disputed and CAN NOT be removed. I told him that per the Fair Credit Reporting Act all Unauthorized transactions must be investigated and removed. He refuse to assist, I then asked to speak to a supervisor, XXXX stated that his supervisor does not have the authority either then he place me on hold for 40 mins and then disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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: In progress
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: TX
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 HAVE SUBMITTED MY POLICE AND IDENTITY THIEF REPORT TO EXPERIAN CONCERING TWO ACCOUNTS WITH XXXX XXXX XXXX XXXX AND XXXX XXXX SOMEONE OPEN THESE ACCOUNTS IN MY NAME WHICH ARE APPEARING ON MY CREDIT REPORT THE REP STATED THEY RECEIVED AN APPLICATION IN MY NAME WHICH IS FRAUDULENT EXPERIAN IS TELLING ME I OPEN THE ACCOUNT IN WHICH I DID NOT MY IDENTITY WAS STOLEN. THEY REMOVED AN DELETED THIS ACCOUNT FROM MY REPORT AN IT REAPPEARED ON XX/XX/XXXX THE COMPANY SUPPLIED FRAUDULENT DOCUMENTS. EXPERIAN IS NOT THE POLICE OR FTC WHOM HAS INVESTIGATED AN DETERMINED I AM NOT LIABLE AN I AM A VICTIM OF IDENTITY THIEF

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 2020-07-02
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is trying to collect a debt from me from XX/XX/XXXX that my exhusband opened. Our divorce wasnt finalized until XX/XX/XXXX but we were separated from XX/XX/XXXX until our divorce was finalized in XXXX. I did not open this account and did not have any knowledge of it until it showed up on my credit report. I have disputed it a couple times with no resolve. Again, this is not an account I opened and/or used.

Company response to consumer: Closed with non-monetary relief