BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit score was XXXX. I got a new card from my bank with a higher credit limit. they dropped my score XXXX XXXX. this card was obtained a year and one half after an inquire by my bank to raise credit limit on another card that i shared with my daughter who was added to the account. I have never paid late in the seven years i have credit accounts. my debt to income ratio is 2 %. my credit usage in never above 3 %. But yet I was penalized. 

I tried to get my account froze but they wanted me to buy an upgraded account to do that. that was XXXX a month. Is Experian a credit reporting agency? Or are they a for profit business that wants to make money of of consumers. they sent an e-mail today that I could get one of the cards they represent with no points taken off my score. is any of this legal?

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 2023-07-18
Company: EQUIFAX, INC.
State: NY
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letter on XX/XX/XXXX which is a FDCPA violations.

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 2023-10-24
Company: Exeter Finance Corp.
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 we made a call to Exeter Finance to validate a debt. However, upon trying to validate the debt, Exeter Finance explicitly refuse to give any information pertaining to the debt, stating the reason for not disclosing any information was due to litigation. However, there is no litigation from Exeter Finance on this account at this moment. They then tried to say that legal counsel needed to be provided in order to discuss the debt, and that a " pro bono '' lawyer is not a valid one.

Even after giving Exeter Finance my name and all pertaining information to this debt, they still were unable to give me any information as a consumer upon this account. Since no information can be given, this debt is invalid.

In the recorded phone call, you can explicitly hear the refusal to answer any questions about the debt. 

We also tried contacting this company on XX/XX/XXXX, only to be hung up on. Both calls are attached, and labeled as follows ExeterXXXX  : recorded on XX/XX/XXXX ExeterXXXX : recorded on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: NY
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:
In order to REMIND the Equifax Credit Bureau that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Equifax BUREAU MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is

incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to pri
vacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have an American Express Rewards card which says it can be used anywhere... .I have tried using it online at multiple sites and it keeps declining... ..the customer support line is no help and after long waits, they do not have any resolution other than " try at a different merchant ''!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24
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:
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: MOHELA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
MOHELA was my loan service provider while I attended school at XXXX, XXXX XXXX XXXX XXXX. I received a {$5500.00} loan to help pay for school, and I paid off this loan in full before it started receiving interest on XX/XX/21. I have a screenshot of the payment confirmation from this exact date as clear evidence. MOHELA is now trying to charge me a student loan payment as if the loan had not been paid off. I need help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Continental Finance Company, LLC
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I talked to a representative on XX/XX/XXXX about the account and they reversed a returned check fee for the XXXX time. They said everything was in order. I contacted XXXX XXXX via chat on XX/XX/XXXX to find they closed the account and claimed to return the payment made for the 3rd month in a row, but I show nothing on my debit card statement. They closed the Surge Card account and possibly the XXXX Card account showing I didn't pay either when I have statements showing I paid both. I'm out {$100.00} dollars just from this one. This is not the first time this company has done this. This is the 3rd month in a row they say I didn't pay, but their own statement shows I did.

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 2023-08-10
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted LVNV numerous times to resolve this issue of reporting an account that does not belong to me. 

My credit file contains {$370.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX, listed as an Original creditor. 
I have not done business with either account, to my knowledge. LVNV has refused to provide actual proof that this account belongs to me. I am requesting a signed contract to verify I owe this debt. 

This erroneous data continues to tarnish my credit and violate the FCRA. A debt collector that has allegedly infringed a consumers rights under the Fair Debt Collection Practices Act ( FDCPA ), can be sued by a consumer for statutory damages of up to {$1000.00} ; actual damages including, but not limited to, harm or loss that resulted from a debt collectors actions ; as well as the consumers attorneys fees and costs. I will exercise my rights if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Creditor has been made aware that debt involves original creditor ( Retreat at XXXX XXXX ) violating Texas Property Code regarding repair of health or safety hazard in apartment. Apartment had mold and foundation leak, causing perpetually damp flooring in unit. Creditor will not discuss resolving dispute prior to litigation or allow me to discuss this matter with an attorney representing creditor, despite being informed that I am a licensed attorney in the states of XXXX XXXX XXXX Creditor refuses to provide phone number or email to legal department regarding Debt Removal Letter or pending litigation, despite knowledge that I am a licensed attorney in the state. Creditor did not provide me with written notice of the debt being placed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are 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 non-monetary relief
Consumer complaint received 2020-03-11
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I saw on my credit report a collection from Genesis Collection Agency. They never tried to contact me or anything. They just reported this error on my credit. My insurance paid the claim to the hospital. I sent information to Genesis and requested validation of the debt. They refuse to send me validation and yet they continue to report this fraud on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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: Their investigation did not fix an error on your report

Complaint:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage is charging me PMI insurance. 
They refuse to take it off. 
I was told at closing that the PMI would drop off once I was at 20 % equity. 
My house was recently appraised at $ XXXX and I owe $ XXXX. 
The appraisal on the house at closing was XXXX so even at this appraisal amount I am at 20 % + equity in the home. 
Rocket Mortgage then said that if I got an updated appraisal that the PMI would then drop but they canceled the XXXX with no explanation. 
Today the rep said that I have to pay PMI until XXXX. This is so ridiculous. And they said that I signed on for this which I can tell you I did not. 
I was told once my payments put me over the threshhold that it would automatically drop. Rockert mortgage said today that that was wrong and that I should have been told that. 
Why am I paying PMI when I'm at 50 % equity in my home at this time. 
Rocket now said that I have to get them a letter with receipts on all the improvements I made along with an Appraisal and Maybe, just maybe they will drop the PMI and if not I am locked into paying PMI until XXXX. 
This is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: JPMORGAN CHASE & CO.
State: NJ
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:
On all three credit bureaus there are multiple hard inquiries with the same companys multiple requests within the same Month. These companies have been Ordering additional credit reports when the information was still valid in the prospective time frame for them not to order an additional report. This has caused a tremendous issue in my lowering my credit score. All my account are in good standing. However, due to these hard inquiries it has caused a negative impact on XXXX XXXX XXXX XXXX XXXX.

All excessive inquiries should be removed immediately and updated accordingly to reflect a positive status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 there was an unauthorized debit in the amount of {$11000.00} was debited from my account. To date chase was not credited my account nor have they explained why they haven't nor have thy explained how it occurred. Further an additional debit in an amount over {$10000.00} was attempted on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX i got a bunk bed from some place on credit they sold my debt on XX/XX/XXXX. I have had this removed off my credit report. All of a sudden i got served.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: NY
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 submitted identity theft report with ID and they still left the identity theft on my credit report. And inquiries.

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 2023-01-11
Company: EQUIFAX, INC.
State: HI
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:
Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. These entries should and shall be removed.

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as "? '' and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 100 % locked out and I can not do anything about it and Equifax refuses to resolve the issue,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is an illegal debt collection in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

This unlawful claim should be removed from my credit immediately, as Procollect , Inc. and XXXX XXXX XXXX APARTMENTS are involved in illegal credit reporting. Procollect, Inc. and XXXX XXXX XXXX APARTMENTS have no legal authority to ruin my credit reporting and implement unfair, deceptive, and abusive acts. 

Under the FCRA, Procollect, Inc. and XXXX XXXX XXXX APARTMENTS are liable for statutory damages, actual damages for injuries I suffered as a result, emotional damages for stress or physical ailments caused by this ordeal and punitive damages for these unlawful actions. 

Procollect, Inc. has repeatedly harassed me.The FDCPA prohibits debt collectors from contacting debtors at inconvenient or unusual places. ( 15 U.S. Code 1692c ).

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