BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Last XXXX I've sent disputes regarding to those unknown and inaccurate accounts on my credit report its over 30 days but I haven't received any response. I am a victim of XXXX Data Breach. I Demand to DELETE those accounts ASAP or I will file a litigation.

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 2016-10-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a debt for XXXX XXXX and should not be on my credit report. They coninue to call my cell phone after I have told them not to call that number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: TRUIST FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The Covid Forbearance Plan for which I was approved, expires on XX/XX/2022. BB & T and I have enjoyed a cordial informative relationship until XXXX XXXX XXXX  and today, Wednesday, XX/XX/2022, on which both occasions I received misinformation by from their representatives, XXXX, on Friday and today, XXXX. 

Yesterday, XX/XX/2022, I received a letter, dated XX/XX/2022, concerning my loan and the options available to me. After reading and consulting with one of the housing counselling services provided, I decided to call the bank to put my choice in place. It is on that occasion that I spoke to your representative, XXXX who contradicted the information laid out in the letter and that which was provided by the housing counsellor. He became irritable, subsequently hanging up the phone, when I highlighted the inconsistencies and ask for a copy of the transcript of our conversation. ( The transcript will demonstrate his contradictions in the call and unprofessional behavior ) Examples of the misinformation which he later corrected but insisted it did not say included the following : 1. My forbearance plan was not eligible for extension which he later corrected to say, I have a further XXXX should I need to extend. 
2. Telling me he could not provide a written record of our conversation. 
3. Creating confusion about the option of placing the missed payments to the back of the original loan agreement, which would become due when the original loan maturity due date occurs, or the loan is paid off via refinancing or selling of the property. This was confused with the repayment plan option. 
When I brought to XXXX  attention that what he was saying was inconsistent with the letter I received, and that I required clarity, he became very rude saying I was preventing him from telling me about the plans. 
In the incident with XXXX, I asked addition questions about each option which he was reluctant to answer insisting that putting the lump sum to the back of the loan was my best option. I explained to him that I needed to understand the merits of each option with accurate numbers so I can make the best decision for myself. He told me that, the information will be provided in the documents sent to me, after the choice, of the back of the loan deferred balloon payment option is made and not before. 
His failure to answer the questions and or provide information about my loan so that I can choose the best option for myself, encouraging me to favor one option over another, without a full understanding of my specific situation. 
I called back the bank, on the same day, XX/XX/2022, and left a message on the afterhours message service, describing the issues in the contents of this letter, and alerting them of the intent to report this to the 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 2023-01-31
Company: GUARANTEED RATE INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home XX/XX/XXXX with Guaranteed Rate. The previous owner is a 10 % XXXX vet and is exempt from paying property taxes. At the time of my closing ( late XX/XX/XXXX ) I did a simultaneous closing on my departing primary home. Due to the seller being exempt title was unable to prorate my taxes. Since I was receiving a large amount of money back from the sale of my home I was fine with them collecting the full amount of taxes on my new home since we pay taxes in XXXX and escrow analysis are typically done in the spring. When guaranteed rate called in XXXX they were told no taxes were due on my property. There wasnt enough time I am guessing for the recording to happen as tax bills go out XXXX XXXX XXXX. I wasnt aware they didnt pay my taxes until XXXX XXXX when I received a letter threatening to place a lien XXXX my home for unpaid taxes to XXXX and XXXX XXXX XXXX I DID elect for escrows and I verified on my closing disclosure they collected for both XXXX  and taxes. When I called guaranteed rate they investigated and simply sent me a letter. Stating they paid it for me as a forced place bill which caused a massive shortage in my escrow and charged me all the fees they billed including collections and late dues. They had the money to pay please ask for my XXXX. They owe me those fees I was charged. Ive asked multiple times for someone to look into it and no one responds. I refinanced within the year due to repetitive deceptive practices on their end from day XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions 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 XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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.

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 2022-05-17
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am an authorized user for american express on a platinum card and I pay on time. I applied for an american express Platinum card on XXXX, XXXX and I have a qualifying credit score and positive payment history with American Express since XX/XX/XXXXas an authorized user on an American Express Platinum . The reason for the adverse action what because of a balance I owe from a business credit card with American which I pay on time even at the time and they even closed that card unfairly because of a cash advance. It makes no sense that Im paying that balance on time for a business credit card and now receiving adverse action when applying for a personal credit card especially when by law I should not ever receive adverse action when my social security number is being used and I'm receiving no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX acct number XXXX, XXXX  Acct number XXXX, XXXX XXXX Acct number XXXX, XXXX  XXXX Acct number XXXX, XXXX XXXX XXXX Acct number 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.

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 2023-08-19
Company: EQUIFAX, 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. 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 Balance : {$25000.00} XXXX CARD XXXX Balance : {$2000.00} XXXX CARD XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX CRED Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 





XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit score has dropped XXXX points. Because XXXX XXXX inaccurately reported to the credit bureau that I was delinquent. When I reached out to them, they refunded the late fees. However, they did not update my credit report. Therefore, I still have two late payments. This is preventing me from being able to purchase a home.

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-07-07
Company: Experian Information Solutions 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 XXXX  Account 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 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 company added a hard inquiries to my credit report thats not mine.

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 2023-01-31
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Equifax Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A letter was sent to LJ Ross and Associates on XX/XX/22 via Certified Mail requesting the name and address of the original creditor, the account number and amount owed, verification that there is a valid basis for claiming I am required to pay the current amount owed, details about the age and amount of the debt, including the last billing statement from the original creditor, detailed explanation of interest added or payments made since the last billing statement and legal authorization for this interest. I also requested the date the original date the creditor claims this debt became delinquent, whether this debt is within the statute of limitations and how that was determined. Requested were details about the authority for this company to collect this debt, whether they are licensed in my state, the license number, name, address and phone number of the state agency issuing that license. This letter was sent for account number XXXX, XXXX, XXXX and needs to be verified for any and all accounts that LJ Ross holds for XXXX and/or XXXX XXXX. 

I received nothing back from this company to validate any debt therefore according to the Fair Credit Reporting Act, I am not required to pay this debt as I am unable to validate this debt. I tried to dispute this on my credit report, however XXXX was unable to verify my account for me to access my dispute feature at this time.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Bread Financial Holdings, Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This nightmare all started in XXXX of XXXX. I called to request XXXX XXXX to close my account after paying it to zero ; however, it took until XX/XX/XXXX after many phone calls and letters for them to do so. I also called Comenity Bank to inform them that I had closed my XXXX account at the same time. A membership fee of {$21.00} had been added to my XXXX account after XXXX was told to cancel the account and it took them until XXXX XXXX, XXXX to credit my account back ( I have confirmation of all of this in writing from XXXX ). The complaint is that Comenity Bank continued to keep the credit card open adding late fees to a balance that went from {$21.00}, the amount that XXXX finally reversed, every month, even after I called and mailed them a letter to again CLOSE the account and reverse any undue fees. I received a letter from Comenity Bank yesterday, dated XX/XX/XXXX, stating that they credited my old card {$21.00}, which is what XXXX had reversed. Once I sent my dispute letter in writing I received a letter from Comenity telling me that my dispute ( this letter is dated XX/XX/XXXX ) was being researched and would take 90 days to complete! I kept getting letters from them saying they were working on it ; however, all they were working on was adding more fees to the {$21.00} membership fee that XXXX has added in error. Now I get harrassing calls from Comenity Bank Card to pay the balance! The right thing for Comenity to do is reverse the fees but they said they can't now that they have closed the card. What a scam! Please help me resolve this matter. 
Thanks so much! XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30
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: Credit inquiries on your report that you don't recognize

Complaint:
Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX I have disputed these inquires before and they have not removed them even after not being able to validate them.

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 2023-01-31
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I recieved a notice on a closed card for the first EVER time on XX/XX/XXXX. Within XXXX hour of being notified i closed the balance and pay the account in full. I was NEVER given any alert or notification of this. i was charged way too much of a late fee.. almost XXXX percent and again was never notified. i have never been late on a card transcation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Stellar Recovery, Inc.
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. XXXX. This information was also shared illegally ( third party ) without my informed consent. XXXX. I would like this debt to be removed from my profile as it 's reporting to the Credit Bureaus and negatively affecting me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation