BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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.

Account name : Account number : Account numberXXXX Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 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 2023-05-26
Company: AMERICAN EXPRESS COMPANY
State: AZ
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 received an inquiry on my credit report on XX/XX/23 from American Express. I have never applied for an American Express card, therefore this must be fraudulent. On XX/XX/23 I received an email that say " Your credit card is approved. '' But again I have never applied nor have an American Express card. 

I have already alerted the credit bureaus that was told I need to first file a police or FTC report or else the inquiry will remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: Round Up Ventures, L.P.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Lendly Loans also known as XXXX XXXXXXXX XXXX XXXX XXXX ( Account # XXXX ) they have placed incorrect information on my Credit Report. This was an online payday loan and they reported it falsely on my credit report as a MEDICAL! The balance reported to ALL 3 Credit Agencies are all incorrect and completely different. I'm not sure why this Payday Loan Company is reporting false information that is a violation of defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$560.00} ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Direct Capital
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company- Direct Capital continues to Robocall my phone number. I am NOT on a debt with them, nor am I the person they are trying to contact. They continue to hang up on me when I ask them to stop calling me and will not remove my information from their calling queue. I have reported them previously for disclosing the nature of the debt to me when I am NOT their debtor. It is a violating to robocall a cell phone that is not provided to them as the debtor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2020-06-16
Company: TRUIST FINANCIAL CORPORATION
State: SC
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: Problem with personal statement of dispute

Complaint:
BBT continues to describe bills that they sent us to pay. We never rec 'd them until XXXX when they sent a letter describing that the the account was 2 months late. We immediately paid off the XXXX $ credit card, BBT refunded the late charges, but still reported us to the XXXX, XXXX  and XXXX. We had XXXX and XXXX credit scores and b/c of the {$24.00} reported to the all credit bureau 's our scores have dropped 100 points each starting a spiral effect of not being able to refinance our home. I have tried on mutiple occasions ( 4-5 calls into customer service, 2 calls and mutiple conversations with my personal banker at BBT and more than 3 internal complaints filed ) to resolve with BBT and not one single individual from their credit department will call me back. I have disputed the information on each credit bureau sites mutiple times. Each time BBT says that they did send me a bill. I never rec 'd a bill to pay. You may look at both my husband and my credit history and never find anything like this to happen before. I DID NOT receive a paper bill to pay despite the ones they say they sent. The credit card department told us that we had seleted paperless billing. We would just like this removed from our credit.

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 2023-12-02
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent the attached letter to XXXX XXXX. I also called to try to resolve the issue. When COVID-19 forced the closing of my employer in XXXX of XXXX I called immediately to discuss options. I was not late then, but I asked what I could do in light of what was happening. The representative was kind. She said that, for three months, no late information would be reported on the card. I then called XXXX XXXX XXXX to set up this account with a payment plan. XXXX XXXX refused to work with XXXX despite their attempts to pay the bill, despite what they told me over the phone. Attached is documentation that 1 ) shows the late payments on my credit report, 2 ) shows my employer was closed, 3 ) shows I acted within the bounds of the CARES Act during COVID-19 by calling and with XXXX calling XXXX and 4 ) shows payments which were not applied to my account.

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 2020-07-01
Company: Experian Information Solutions Inc.
State: CO
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:
I just received notification that my addressed was changed at XXXX. Which is my correct address. My concern is that its gon na change again and then has my credit report been sent to that address? Why is my address on my file keep changing? Then you want me to send all these documents to prove where I live. I wish someone will do there job and make sure thus stops happening. Something obviously going on here. I have to call and spend hours on the phone when I call XXXX. Last time I called was on the phone and was transferred and spoke to supervisor almost 2 hours!

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 2021-02-12
Company: AXOS FINANCIAL, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Holding excess of {$2200.00} just after paying all property tax from escrow & missing {$1700.00} on escrow balance. 
I have called multiple times on phone listed on the pdf letter that the bank has sent from past complaint. After more than 45 minutes, it just hangs up every time. 

If you review my past submitted xls file, the refunds of {$590.00} on XX/XX/XXXX, and {$390.00} on XX/XX/XXXX were already taken in account & came to missing of {$3300.00}. 

{$1600.00} refund on XXXX, XXXX, XXXX was not on monthly statements & that's why I missed it. It would be better if Axos can provide transparent accounting info including escrow transactions. Anyways, even after taking that in account, we still have {$1700.00} missing from escrow. 

I have updated the xls file to reflect this & also added the over collected escrow ( as reported on Axos site after disbursement of XX/XX/XXXX property taxes ) {$2200.00}. 
Inline image Would you please provide copy of all escrow transactions from beginning of the loan in table format? That will help clarify most of this confusion. 

Now please refund {$4200.00} as soon as possible. 

-XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: NC
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-06-05
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:
I received an email that my information was exposed in 2 big data breaches in 2018. The first one was XXXX and the second one was XXXX in the same year. I was wondering why I kept getting so many calls about stuff I had no idea what they were talking about. Then One day I got a call that my social security number was cancelled or something and I started giving them my information and like 20 minutes into the converstion I started realizing that it sounded like a scam, but by that time it was too late they already had my information. Next thing I know I saw my credit score drop like 140 points. I downloaded a copy of my report and saw that there was fraudulent information and incorrect information on my report. This is due to the identity fraud and I need this information 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 2018-02-25
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
I have several times have requested XXXX XXXX and Experian to send me documentation to how and who verified this account. I have not got any documentation but only computer generated responses.

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 2023-12-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a settlement agreement with XXXX finance. When I received this settlement offer I called XXXX and spoke with a settlement agreement customer service specialist at XXXX and she informed me that if I accepted the settlement offer the account balance would immediately be updated to {$710.00} as that is the 5 % total balance we agreed on in the settlement, and the account would be reported as closed with the {$710.00} paid in full. I accepted the settlement agreement, signed the contract and paid the {$710.00} in full on XX/XX/. I even contacted XXXX via customer support email to make sure the correct reporting would be updated to the account by the next reporting which should have been XX/XX/, the representative assured me that the account balance would be updated to {$710.00} and the account would be reported as closed, she also sent me a receipt via email to confirm they received my payment. I see on my XX/XX/XXXX  report that XXXX finance reported to Experian the incorrect balance of {$13000.00} and an incorrect charge off reporting. That is completely against our settlement agreement and this is a clear violation of my rights to accuracy, privacy, and fairness and inaccuracies on a credit report can hurt my opportunity at credit. The actual balance I owe is {$710.00} according to the settlement agreement, the {$710.00} was paid in full on XXXX, the account is supposed to be reported as closed and paid. I have submitted numerous disputes recently about this inaccurate account reporting issue, this is NOT an opportunity for re-investigating anything this is simply me notify XXXX & Experian to update the account information on my credit report immediately after receiving this letter or both companies will be held liable {$1000.00} to me for every FCRA violation committed regardless of intent you will be held liable to me for statutory damages for violating 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2021-02-12
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have communicated with Amerihome regarding my mortgage on numerous occasions since XX/XX/XXXX. I have requested an escrow analysis twice ( XX/XX/XXXX & XX/XX/XXXX ) to ensure my Homestead Exemption was reflected on my account with my new tax rate. I sent the Tax Bill to Amerihome when I requested the first escrow analysis. I have yet to receive the analysis and my XXXX taxes are still being utilized to calculate my XXXX escrow resulting in me paying a mortgage payment that is way higher than it should be. Additionally, I have escrow overage. I'm sure at least a portion of it should be refunded to me. 

In addition to my calls, I have emailed Amerihome customer support department twice and also requested to speak with a supervisor several weeks ago. No return contact from either. I called again today and requested that a supervisor contact me regarding the overage I'm being charged in my monthly mortgage payment and the escrow overage that is being held in my account. 

My taxes in the amount of {$6600.00} were paid by Amerihome in XX/XX/XXXX yet, they are still using my previous year 's tax rate of {$10000.00} ( which is incorrect ) to calculate my monthly escrow. 

My Insurance & Taxes : Homeowners- {$4100.00} Flood- {$1300.00} Taxes - {$6600.00} Total - for {$12000.00} Escrow : Account as of yesterday - $ XXXX Monthly escrow being collected - {$1300.00} per month ( X 12 months =. {$16000.00} ) If you add the money in my escrow account ( {$9300.00} ) to the annual amount Amerihome is collecting ( {$16000.00} by the end of XXXX ) they will have {$25000.00} of my money. If my insurance and taxes are {$12000.00} for the year, why does Amerihome need an additional {$13000.00} of my money? 

Kind regards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a XXXX family store credit card. I also have a XXXX credit card with Commenity Bank. I have a buckle account credit card with Commenity Bank. I have a XXXX credit card. I have not been late making my payments since Ive opened these cards. I probably honestly have been late a couple times, but have recently tried to get my credit Score back up well my credit score has went down due to XXXX cable saying that I owe them a certain amount of dollars because of my credit score going down. They have lowered my credit limit. Theres no reason at all that that shouldve happened now Im late and they have made feed on my account that shouldnt be there, I am not happy with this situation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-02
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:
After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: MD
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:
Over the past year I have disputed these accounts on my credit profile. These accounts do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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