BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: AMA Advisors, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX of XXXX I closed on a refinance loan with homebridge financial and XXXX title company. On XX/XX/XXXX I noticed a change in my Homebridge financial monthly mortgage payment amount. I contacted the mortgage company and I was told at that time the reason for the increase was due to an increase in property tax and homeowner insurance. I received a statement in the mail from XXXX county that shows my property taxes are XXXX. They were indicating a shortage of my escrow by over XXXX that would have to be paid over a 12 month period. I received no prior communication of the shortage. XX/XX/XXXX I contacted Homebridge financial and spoke with another representative XXXX that explained to me that the analysis was done incorrectly they overpaid my property taxes for the previous year. They paid XXXX county a total of XXXX for XXXX. I was told That a high priority ticket would be submitted and my account should be adjusted in a couple of days back to my original amount of XXXX. On XX/XX/XXXX I called again to homebridge to follow up with the ticket because my account was still Showing the shortage calculation. I spoke with another representative that is now telling me that My title company XXXX title Created the error when my escrow was created. They are claiming that my escrow wasnt enough to over taxes and insurance and they have been paying the taxes to keep the account current. Again no communication was given to me with this occurring until the change was paid for this mortgage payment XXXX. They are not addressing the fact that they didnt pay my property taxes on XXXX of XXXX and they sent two payments in XXXX Causing my escrow to be short.

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 2020-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have a capital one platinum card and recently found fraudulent transactions on the account. The rep i spoke with closed the account and I'm having to wait 7-10 days for a decision to have it reopened. I was not told the account was going to be closed or did I receive an notification that this had happened until i looked at my bill again and noticed additional fraudulent charges and call back. Please help me to get my account reopened

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Navient Solutions, LLC.
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 and XXXX have reported a 60-day late payment indicator on my credit report with the creditor, ( Navient ), which is incorrect and is currently showing on my credit report. The account that I am referring to is the account balance of : {$10000.00}, which the account was opened XX/XX/2011. I have never paid 30-days late and when I contacted Navient, they said that their system is not showing it and that I am current and they did not report that 60-day indicator on the account. This is the 1st time that this done happened to me and this is negatively impacting my credit rating and credit report. I want this issue corrected immediately because this is negatively affecting my credit rating with XXXX, XXXX and XXXX and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Resurgent Capital Services L.P.
State: MN
Product: Credit reporting 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:
Hi, This account has been open since XXXX. The account was closed in XXXX. XXXX activity was started, and LVNV bought this account as a charged off debt. This account was not closed and reported to the credit br in XXXX. It was opened in XXXX with a debt of XXXX which doesn't even match the XXXX, XXXX they are reporting. This accounts last activity was in XXXX. This account is more than XXXX XXXX XXXX. The last purchase date was on XXXX I just pulled off all of this information from XXXXXXXX XXXX portal with the order history, and description of items purchased. It needs to be removed from my account. The charge off and the XXXX collection agency reporting. Please see the submitted documents. The account needs tin be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: IN
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00}

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2021-03-18
Company: EQUIFAX, 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: NY
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The 3 Major Credit reporting Agencies XXXX, Equifax, and XXXX regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: TX
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/22, I submitted a dispute to The 3 Major Credit reporting Agencies XXXX, Equifax, and XXXX regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The following companies are violating my consumer rights according to the FCRA I am requesting th method of verification of the following accounts 15 USC 1681a ( e ) states that a consumer reporting agency investigates something it is known as investigative consumer report. I am demanding a deletion I gave them 15 days to respond and I requested exact names and they failed to provide me with this information.

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 2021-08-02
Company: Experian Information Solutions Inc.
State: CT
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:
Experian has been reporting a XXXX XXXX Student loan on my credit report which has passed 7 years from the date of delinquency. the date of delinquency occured in XX/XX/XXXX and should have been deleted of my credit report in XX/XX/XXXX. It has been over 3 months and repeated attempts to get this removed from my credit report on experian has failed.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : 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 2022-02-18
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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-02-17
Company: EQUIFAX, INC.
State: TX
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, US Dept. of EducationXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - Reporting inquiries without my permission, Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) - You are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. And some false information from my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Heartland ESCI misrepresent payments owed and charges improperly. 

I paid on XX/XX/XXXX and the funds were deducted from my account. 

I review the account page again as I've noticed suspicious and dishonest behavior from Heartland throughout the months and I've had growing concerns since moths ago. 

It still shows I owe the same payment amount after I have already submitted my payment and after it has been retrieved from my account. 

Months ago, I noted an improper amount due and called after noting the amount was incorrect. It was adjusted improperly and I've seen consistent, fluctuating additional charges since. 

Additionally, they have two different pages showing the amount due - these pages simultaneously show two different amounts with the greater amount remaining hidden at the bottom of a different page, which then enables them to charge you additional late fees for having a remaining balance after having already made a payment by the due date. 


Heartland ESCI engages in unscrupulous practices - it seems similar to the unfair and dishonest practices of the XXXX scandal. 


After searching online, I have seen other sources also describe dishonest and untrustworthy behavior regarding Heartland ESCI. 

This has been continuing for years - see article below. I don't understand how we allow these corrupt businesses to continue. I don't know how they're still in business. I'm not the only one there are others as well. Please help. 

XXXX XXXX XXXX What needs to happen : Prevent the company from engaging in unfair practices and ensure that people will no longer be improperly charged or financially targeted. 

Investigate the company and charge them. Penalize them and ban them from debt collection until they clean and restructure their practices honestly. If necessary, shut the company down and transfer remaining unpaid debt to honest organizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Paramount GR Holdings, LLC
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:
I did not open an account with loan pal, or good leap. 

They did not have the correct information of file to even contact me. 

I contacted them on XXXX, XXXX, XXXX trying to get this resolved, but was told theirs nothing they can do. 

I contacted them today, XXXX, XXXX, XXXX to get the contracts they said I signed E-Document, and I asked the gentlemen how do yall know I signed them. He stated we dont know who signs them! That was on a recorded line, and that was around XXXX to XXXX. He once again had the wrong contact information to contact me, and I have gave them the correct information on the XXXX, XXXX, XXXX 

The Truth in lending disclosure statement only has XXXX contact information, so how did I get sent or notified of anything to sign? 

I dont sign anything E-Document. 

Why would I co-sign a XXXX dollar loan for solar panel to a house I dont even own, or have any part of. 

Ive explained to loan pal/Good leap, that this is stopping me from getting my mortgage loan. 

Ive tried many times to have this resolved, with no help from the company. So I am now reaching out for more help to right this wrong.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions 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:
In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : 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 explanation
Consumer complaint received 2019-08-07
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:
Notwithstanding allegations of fraudulent charges regarding XXXX XXXX account number XXXX, said creditor has failed to properly investigate and update the account reporting status at the XXXX, Experian and XXXX consumer reporting agencies. The failure to report said charges as fraudulent - or to delete the offending account - has caused a detrimental impact on credit scoring.

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 2022-02-18
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX XXXXXXXX per the XXXX opinion.

Company response to consumer: Closed with explanation