BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # : XXXX, has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX Account # : XXXX, has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 


In accordance with the Fair Credit Reporting act XXXX  XXXX  CHILD SUP 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 In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: WA
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 am so bewildered about this situation. I've submitted this complaint numerous times & CFPB & EQUIFAX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. Equifax is not removing or blocking the accounts per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. AGAIN, I'm attaching the FTC report and the Police Report I filed on my local Police Department for your records. There are 6 accounts reporting to Equifax which are fraudulent & I'd like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health. Once again, this is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$65.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$10000.00}, XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$11000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, Discover Card authorized a balance transfer payment from my credit card account to my Checking account with XXXX card. As of XX/XX/XXXX, the funds hadn't arrived at my XXXX account. 

I messaged them ( their main customer service number is selling products to people and hanging up if you don't buy ) many times and explained that this situation was artificially negatively impacting my XXXX XXXX. They asked me to submit a form stating both the routing number and the account number of my XXXX account. I did, then waited. Nothing happened. I have since then been trying o reach them in every way I can, and besides dropping chat conversations, and selling products to customers calling about pressing card issues and then hanging up on them, I have had no answers, no recourse, no one to even talk to. 

They say it will take them 30 days to investigate this dispute. It is a simple matter of adding my routing number to my balance transfer request and processing the payment. I have already been charged for ( my Discover account is now {$11000.00} higher ) which has ground my XXXX XXXX down to poor from good. But they will not help me, or even get me a real person to talk to me. 

I will be unable to process my home refinance due to a damaged XXXX XXXX while rates are still reasonable because of Discover card 's negligence and mistreatment of customers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I contacted Nationstar Mortgage ( Mr Cooper ) that they illegally placed wind insurance on my escrow account on XXXX of XXXX and XX/XX/XXXX even though I had wind insurance on my policy. They gave me a hard time when I called in saying that I don't have wind insurance, even though my agent told them i did and it is written on the policy. My XXXX account was always short according to them, it increased $ XXXX in XXXX and they wanted to increase it again in XXXX. I told them that they illegally put it on my account and they stated they sent a letter to me asking if I had this type of insurance. I told them I never received a letter and my homeowner 's insurance has had wind protection for XXXX years, and just now ( XXXX ) they place wind insurance on my account. Nationstar ( Mr. Cooper ) owes me {$3.00} for XXXX of XXXX ( {$1700.00} ) and XXXX of XXXX ( {$1800.00} ). I told the lady that Nationstar ( Mr Cooper ) was ordered in a class action suit a few years ago to pay {$54.00} XXXX by falsely putting wind insurance through the escrow accounts. I want this refunded immediately and the company fined for this illegal action. They had to change their name their reputation was so bad, and they are back to the issues that caused them problems. My loan was sold to Nationstar ( Mr Cooper ), i would never use this company for any type of loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: MS
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:
Do not mark as Duplicate, this is an unresolved issue. Around XX/XX/2022 XXXX  XXXX pulled my credit profile without a credit application. please advise to send copy of credit application. if they can't provide proof of my verified information, then they lied in their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Do not mark as Duplicate, this is an unresolved issue. Around XX/XX/2022 XXXX  XXXX pulled my credit profile without a credit application. please advise to send copy of credit application. if they can't provide proof of my verified information, then they lied in their investigation.

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 2023-06-05
Company: Block, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX {$220.00} XX/XX/XXXX XXXX XXXX  {$150.00} XX/XX/XXXX XXXX XXXX {$250.00} These are all fraudulent transactions. I never authorized these transfers on Cash App. 

My case number is XXXX. Please refund the money thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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
Consumer complaint received 2018-03-19
Company: Experian Information Solutions Inc.
State: AL
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 filed bankruptcy and included the loan from XXXX XXXX XXXX for my vehicle in my bankruptcy. I was to return the vehicle, but it is being shown on my credit report as a repossession. I have documentation and emails from my attorney stating that the information being reported on my credit report is not accurate. I have tried to dispute this several times, but the action has not been fixed.

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 2022-03-05
Company: American First Finance, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AMER FST FIN HAS CONTINUED TO REPORT A FRAUDULENT ACCOUNT ON MY CREDIT FILE. THIS ACCOUNT IS NOT MINE AND IS A RESULT OF IDENTITY THEFT. I HAVE SENT NUMEROUS DISPUTES, PROVIDED A IDENTITY THEFT AFFADAVIT, AND SUBMITTED NECESSARY DOCUMENTATION TO XXXX XXXX. I ALSO HAVE REQUESTED ANY INFORMATION PERTAINING TO THIS ACCOUNT BE SENT TO ME DIRECTLY AS PERMITTED IN IDENTITY THEFT CASES. IVE SUBMITTED A DIRECT DISPUTE TO AMERICA FIRST FINANCE TWICE WITH PROOF OF DELIVERY AND THEY HAVE FAILED TO RESPOND TO MY DISPUTE BUT CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT TO MY CREDIT FILE WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FCRA. 

XXXX XXXX HAS ALSO CONTINUED TO REPORT THIS FRAUDULENT ACCOUNT EVEN AFTER ALL IDENTITY THEFT INFORMATION AND A REQUEST TO BLOCK THIS ACCOUNT HAS BEEN MADE. XXXX XXXX AND AMERICA FIRST FINANCE HAVE BOTH REPEATEDLY IGNORED MY DISPUTE AND REQUEST TO REMOVE THIS FRAUDULENT ACCOUNT. THIS IS AN ACT OF WILFUL NON-COMPLIANCE AND IS A DIRECT VIOLATION OF MY RIGHTS. THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05
Company: Professional Service Bureau
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The PROFESSIONAL SERVICE BUREAU , INC. whose address is XXXX XXXX XXXX XXXX MN XXXX has been attempting to collect on a debt already discharged by a 1099-C in the amount of {$14000.00}. I need my account updated to reflect that all payments have been paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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.

I demand the following accounts be verified or removed immediately. 


Collections XXXX XXXX Opened XXXX {$610.00} XXXX XXXX XXXX Opened XXXX {$790.00} XXXX XXXX XXXX XXXX  Opened XXXX {$7200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX BANK XXXX Date opened XX/XX/XXXX Balance {$1100.00}, XXXX - XXXX SERVICE XXXX Date opened XX/XX/XXXX Balance {$38.00}, and XXXX XXXX BANK, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.

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 non-monetary relief
Consumer complaint received 2022-03-26
Company: Experian Information Solutions Inc.
State: IN
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 XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-04-11
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX branded credit card was bought out by Barclay 's bank XXXX.

However, they failed to transfer the automatic payment. And give proper information.

Futhermore, all the Barclay 's mailer looked like a normal credit card offer or a potential phising scam since XXXX had my XXXX card since it was opened over 10 years ago. There communication therefore was securely shredded as precaution. I was not aware it change banks without my prior authorization either. 

Futhermore, when calling Barclay 's to setup automatic payment they failed to do so. Only manual payment seemed to work for awhile. This change and automatic payment issues resulted in Barclay 's marking the payment late on XXXX XXXXWhich resulted in another late payment marking on XXXX 2021. 

I called and had Barclay 's fix the issue. They stated they would make sure it doesn't show late payment on my credit card report. However, they also failed to do so.

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 2022-03-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I received an Escrow Account Disclosure Statement from PennyMac dated XX/XX/XXXX with an estimated escrow shortage of {$340.00}. On XX/XX/XXXX, we paid the estimated escrow shortage of {$340.00} into the escrow account and then another {$200.00} on XX/XX/XXXX for a total of {$540.00}, so that the monthly payment would remain at {$1400.00}. Despite our covering the escrow shortage, PennyMac raised the monthly payment to {$1400.00} in XXXX, XXXX. I messaged PennyMac twice around XX/XX/XXXX but did not receive a response. 

On XX/XX/XXXX I spoke to a XXXX at PennyMac. She said that it is PennyMacs policy to require the Minimum Required Balance in the escrow account ( in this case {$400.00} ), which was her justification for the payment being raised. The {$400.00} Minimum Required Balance is still less than the {$540.00} that we paid into the escrow account, so we do not understand why PennyMac raised the monthly payment. 

A reasonable and fair resolution is for the monthly payment to remain at {$1400.00} since we have addressed the escrow shortage. We are unclear why this is an issue with PennyMac when it has not been an issue with any of our previous mortgages. We have requested that PennyMac respond by mail with a plan to resolve this issue.

Company response to consumer: Closed with explanation