BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
Company: PLANET HOME LENDING, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, I purchased my first home XX/XX/XXXX  and I have had a terrible experience with my new mortgage company, Planet Home Lending. The previous owner had {$1500.00} in delinquent utilities, which were put on the 2022 tax bill, making the total tax bill {$3900.00}. My property taxes for 2022 ( without delinquent utilities ) was {$2400.00}. My mortgage company is making me pay my escrow account based on the taxes including the delinquent utilities. I have called at least 5 times to have this issue resolved, yet every time they cant seem to figure out the difference even though I can clearly see the breakdown on the XXXX of XXXX taxes website. My mortgage company is overcharging me and the last time I called, I received a notice that now my escrow account increased by {$130.00} instead of decreasing like it should. This has been such a frustrating experience. I have been fighting with this company for a couple months now. I am a XXXX  woman who pays my mortgage on my own and planet home lending is making my mortgage unaffordable. My mortgage used to be {$1400.00} ( which was already more than what it is supposed to be due to the delinquent utilities ) and now it is {$1600.00}. This is absolutely ridiculous, this has been the most unprofessional experience I have ever had. I really hope you can help because I can not afford my mortgage to be increasing due to someone else not paying their utilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
At this point this XXXX is XXXX me XXXX! This is my second time sending this XXXX request! This has caused me extreme distress and has prohibited me from purchasing my XXXX  home. I tried calling multiple times to confirm my XXXX  identity and no one XXXX  answers. I am not an unauthorized third party this is XXXX XXXX I have submitted this request 2 times These accounts need to be removed from my account IMMEDIATELY!!

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2018-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is committing fraudulent acts in regards to reporting inaccurate information. I had a 3rd party company to dispute on my behalf, the validity of XXXX XXXX XXXX XXXX   claim over the student loan accounts on the week of XX/XX/XXXX. XXXX XXXX XXXX XXXX  responded by sending me a letter dated XX/XX/XXXX
The question is WHY is XXXX XXXX XXXX XXXX asking for more information from me to investigate, when they are supposed to allegedly have my information to report to the credit Bureaus on a monthly basis? The Credit Bureaus, myself, and XXXX XXXX XXXX XXXX  are aware that the accounts have been closed, transferred, and no longer in their possession since XX/XX/XXXX. How are XXXX, TransUnion, and XXXX accurately verifying this information presently when all parties mentioned knew the accounts have not been in their possession for almost 3yrs? XXXX XXXX XXXX XXXX has continuously reported the accounts closed and transferred since XX/XX/XXXX and was previously known as XXXX XXXX XXXX on my credit reports. But even that, the credit Bureaus are allowing this inaccurate information to stay on my credit report, continuously harming my economic wellness, in which is impacting my life.

Enclosed is a sample capture of 1 of many accounts, in regards to what is being reported on my TransUnion and XXXX credit reports. XXXX  is not releasing my credit report just yet. But I was able to confirm the accounts are on XXXX just as well.

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 2022-12-16
Company: Experian Information Solutions Inc.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 non-monetary relief
Consumer complaint received 2019-07-11
Company: EQUIFAX, INC.
State: UT
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:
Equifax is reporting incorrectly the XXXX/XXXX partial account number XXXX as a charge off. ( Please see page 16 of the attached credit report. ) This account was included in my bankruptcy and should be reporting as such. I have contacted the bureau to fix this however, I have been unsuccessful. This incorrect reporting is harming my credit score. This trade line item needs to be updated to report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnionhas not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX/XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/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 2023-06-01
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 checked my credit report and noticed some fraudulent items that are in violation of the Fair Credit Reporting Act that needs to be removed. I am considering arbitration or litigation if these negative accounts aren't removed from my credit report. 

Accounts to be removed : 1. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) 2. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) 3. XXXX OF 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 2023-08-03
Company: AmerAssist A/R Solutions, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have made several attempts to remove this account that is reporting inaccurate information against me to the credit bureaus & third part agencies, this company refuse to validate or investigate this matter properly to clear my innocence. after inputting several requests pleading for a fair investigation multiple times with this collection agency & all three bureaus ( XXXX & XX/XX/23 ) & all three bureaus no had a not even a drop of empathy. this matter has caused a dramatic negative impact to my life & everyday living. I never gave authorization or signed any contract to have my personal information passed around nor over to AMERASSIST A/R SOLUTION who continues to tarnish my name. this unfair discriminating behavior has caused me to be viewed as unreliable & untrustworthy individual, I am being judged before even getting an opportunity ; how injustice is this. someone please help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: OneMain Finance Corporation
State: AZ
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:
XXXX XXXX XXXX Main made a Hard Inquiry on my credit report with out my permission from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The date is a XXXX when their closed. They contacted on XX/XX/2022 to see what they could offer me. They called back on XX/XX/2022 with XXXX to consolidate the XXXX loans. 
I told them I would look them over and call back with my choice of the XXXX they offered. 
Called back the evening of XX/XX/2022 with my choice and was given an appointment time to sign on XXXX XXXX. When I show up for my appointment the associate hide the paper work behind her and I was told there was nothing available me. I was discriminated because of my XXXX. 
They told me I didn't qualify but on XXXX XXXX another XXXX inquiry on my credit report with out my permission and a second offer left on my voice mail offering additional funds. The loan they approved me for on XXXX XXXX wasn't what they verbally agreed on and caused financially hardship. Perfect repayment history lost because of my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On my Experian Report appears a Charge off from XXXX XXXX XXXXXXXX XXXX Acct # XXXX. It was confirmed in a phone call by Rep. XXXX as a Charge Off from XXXX and XXXX confirmed that is not reporting to Experian while Experian claims that is reporting without providing any evidence that is happening. My original dispute started on XX/XX/XXXX. and the letter was received by Experian XX/XX/XXXX. Report # XXXX. I did follow up and in Experian spoke to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and they all gave me a different answer and Projected Completion of the dispute results due XXXX. All of a sudden they say that the dispute should be solved on XXXX XXXX. In a letter sent by Experian XX/XX/XXXX and received via USPS XX/XX/XXXX. 2023 Report # XXXX mentions that the dispute results projected completion date is XXXX. How come they change the due date? Is that a stalling practice?

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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX  XXXXXXXX XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX  CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date Filed XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Balance : {$340.00} ; XXXX XX/XX/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 2019-03-20
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This is a transactions fromXX/XX/2019. I went into the pawn shop to pick up my computer at XXXX XXXX XXXX in XXXX La but my card was declining because i needed a pin number which the American Express Serve Card didnt all me too. So I went to the XXXX XXXX on XXXX XXXX in XXXX  and retrieve XXXX off my card XX/XX/2019. After this transaction I didn't need to use the card again so on XX/XX/19 I looked for my card this whole day but didn't have it. I called to report it lost/stolen that same day and disputed two transactions ; 1. {$50.00} XXXX XXXX  ( I have used this gas station before but my transactions never of over the amount of $ XXXX  {$15.00} max ) 2. {$58.00} XXXX XXXX XXXX XXXX I have never been to this location and had to XXXX this location.I have went to both locations to try and get the cameras. American Express Serve told me I didn't need a police report at the time but as it turns out I had went get one anyway. They had closed my account but when I contacted the corporate office spoke with XXXX ( he got it back open ) and told me a third party has the company now. Also told me that they were going to re-open my case and at the end of the day still the same results when its not my purchase and this is my money that was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: IN
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 want this account these accounts to be removed from my credit report as soon as possible these do not belong to me. I deserve to be compensated because of the trouble and embarrassment that i have gone through just because of these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I submitted a dispute to Experian pertaining to my personal information and accounts XXXX XXXX XXXX XXXX and XXXX XXXX XXXX via certified mail ( tracking number XXXX ) received XXXX XXXX XXXX  I received confirmation from Experian that the dispute was complete. On XX/XX/XXXX, 31 days after my initial dispute was received, I generated another report from Experian ( proof attached ) to verify the changes made to my report. I sent another certified letter to Experian ( tracking number XXXX ) received XXXX to advise I disagree with the results and requested proof of negative payment history as well as a description of the procedures used to reinvestigate. Surprising I also did not see a clear note that the two accounts were in dispute by me. This is a direct violation of my rights under FCRA 623 ( a ) ( 3 ). 

In the initial dispute I provided a copy of my ID, a copy of ss card, a copy of a recent utility bill, and I have now notified Experian multiple times that the additional addresses and names listed are not valid. Again, another blatant disregard for the law under 15 usc 1681s-2 ( a ) ( 1 ) ( B ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: IL
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:
The following companies are reporting accounts on my credit that I have not authorize or have knowledge about. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following companies have illegally accessed my credit report resulting in a hard inquiry XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX I am requesting under the consumer fair credit reporting act that all of these to be removed from my XXXX, Experian and XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX-Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I contacted my bank CAPITAL ONE 360 CHECKING ( CASE # XXXX ) in regard to a returned payment which occurred in XXXX. On XX/XX/XXXX & XX/XX/XXXX I loaded a total of {$640.00} cash onto my CAPITAL ONE 360 CHECKING debit card at XXXX so that I could pay down my CAPITAL ONE PLATINUM SECURED credit card. On XX/XX/XXXX I initiated a transaction to pay CAPITAL ONE 360 CHECKING credit card in the amount of {$290.00}. This transaction was " Rejected '' on XX/XX/XXXX by my bank CAPITAL ONE 360 CHECKING when, according to my bank statement, my balance was {$310.00}. 
I have spoken to both the credit card and debit/bank departments in an attempt to have this matter rectified. Although CAPITAL ONE claims to have no fees, this erroneous returned payment resulted in my CAPITAL ONE PLATINUM SECURED credit card being " overmaxed out '' way past my credit limit. I have attached scans of my banking statement and correspondence with CAPITAL ONE 360 CHECKING.

Company response to consumer: Closed with explanation