BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: AZ
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

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

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 11. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 12. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Delete this account.

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 2020-05-31
Company: DISCOVER BANK
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a secured credit card account with Discover in XXXX of 2017. They advertise this card as being able to graduate to unsecured after 8 months by which time it will be reviewed monthly to see if it is eligible to graduate and the security deposit returned. The criteria they list is " Its important to have responsible use of all credit accounts, not just Discover. This includes on-time payments, staying within credit limits and avoiding returned payments, among other factors. '' This canned statement is very vague. Monthly they check my credit report and do not provide me with an Adverse Action Notice ( as detailed in the FCRA ) about why they are denying to grant me credit in the terms requested. 

Trying to talk to customer service at Discover is like talking to a brick wall. They only give the same exact canned response and say that it's automated and no one can manually review it. 

This card that is advertised as being able to " graduate '' in 8 months is now sitting at about 34 months without graduating with no explanation of why or communication from Discover at all regarding this topic. During that 34 months, my credit score has jumped well over 100 points and all collection items have been removed as well as any other negative accounts and I've been able to be approved for any other credit I've applied for. If that doesn't qualify as responsible use of credit accounts, I'm not sure what does, and with the lack of transparency Discover has provided, I'm sure I never will.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: United Shore Financial Services, LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 we initially reached out to the mortgage company to request an off schedule escrow analysis. We had received our county tax bill and it was significantly different than what UWM had been holding back. They ran the analysis and mailed us a refund check of {$6600.00}. Yet they didn't change the amount of escrow they were holding back, they actually raised our monthly payment. We have repeatedly reached out via message, chat, and phone to try to work out the issue and get our payment to the correct amount. They have continually told us they are researching the issue and will get back to us by a certain date. Inevitably the date arrives, we reach out again and they push us off to a later date. It has now been 102 days with no resolution. They are reserving {$8200.00} in our escrow account for taxes, however our annual tax amount is {$3100.00}. Our monthly payment should be reduced by {$410.00} dollars. After all of this communication back and forth we just got a notice that they have sold and will be transferring our mortgage to another servicer on XX/XX/XXXX. This means we'll have to start the process all over with a new company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting 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:
XXXX XXXX XXXX inquiry on my credit report XX/XX/2023 that was not done by me I have fraud alert set up as well. There not to run my credit without proper authorization.

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 2023-07-20
Company: EQUIFAX, 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE Inquiries Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years. 
Creditor Name Type of Business Date of inquiry Credit Bureau 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 Equifax RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
on XX/XX/ I tried to get a personal loan with XXXX XXXX XXXX, and I was denied immediately because my Equifax was not reporting. They sent me an email but no actions were taken. 

I also tried renting a house with XXXX XXXX XXXX XXXX XXXX XXXX and i was immediately denied because again my Equifax was not reporting. Tried reaching out to XXXXXXXX XXXX XXXXXXXX they would not talk to me at all. The leasing agent treated me like nothing. 
Equifax has negatively impacted my life and they need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I went to XXXX XXXX XXXX and worked with a young lady name XXXX. I chose the furniture I wanted and she told me about the promotion of 3 years to pay off with 0 % interest. I was paying my bill on time and notice I began to be charged 29.9 % interest. I had the balance paid down to {$1500.00} and it jumped to {$3000.00}. This was false advertising and it is affecting my credit I contacted the company Synchrony XXXX and they said that they closed the account because they can choose what they want to do with the account.

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 2021-05-14
Company: Titan Receivables, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being billed and called and harassed by titan receivables. They have sent me these bogus collection letters in the mail. They are claiming that I owe XXXX $ For an account that is not mine. They have even reported this false information to XXXX  credit bureau. This account was sold to them by XXXXXXXX XXXX XXXX. They are claiming that I borrowed bond money for a person I do not know. I spoke to XXXX from titan receivables who claims to be an attorney. He advised me to file a police report and I did. I had an argument with him where he stated to me do you know how many people borrow the money and later claim it is not them. I then asked him to send me a copy of the original documents showing my signature for bonding and bailing out this person. He still has never sent me this information because he cant. Its a fraudulent account and claim. He also called me and told me he would personally remove it from my report. When he failed to do so I filed a dispute with XXXX to investigate and attached was my police report. It was not removed and since has remained on my report. If there is anything we can do please help me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America loan origination date XX/XX/XXXX, loan amount {$210000.00}. 
Requested a 2 year payment history, due to misapplied payments, it is dated XX/XX/XXXX, gross unpaid principal balance on the report is {$230000.00}. 

I had a period of 3 years trying to get Bank of America to modify my loan and had to finally hire an attorney because I could not get anywhere with them by myself. I paid on the original loan amount for 12 years and now I owe {$26000.00} more than the original loan amount. 

I have been calling since XXXX to get help from Bank of America and as of today, I have yet to get the information that I need. Every time that you call you get a different person who tells you something completely different than the person before that and the person before that. 

I have a payment that was misapplied and have called on multiple occasions and was told that it is being reversed and applied correctly only to find out the next month when log in to make my mortgage payment it still shows that I am behind. 

I called on XX/XX/XXXX and was told I will get a call from a Manager within 24-48 hours, today is XX/XX/XXXX, still no call. 

I am in desperate need of assistance with my mortgage account at Bank of America.

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 2020-08-14
Company: EQUIFAX, INC.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.XXXX XXXX XXXX {$280.00} XXXX XXXX {$18000.00} CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX XXXX   XXXX {$6800.00} XXXX XXXX XXXX {$270.00} XXXX XXXX {$2400.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am writing to file a complaint against LVNV Funding for violating the Fair Debt Collection Practices Act ( FDCPA ). 15 U.S.C. 1692 et seq. LVNV Funding has been contacting me repeatedly about a debt that I do not believe is valid. They have called me at work, at home, and on my cell phone. They have also sent me threatening letters.

I believe that LVNV Funding is violating the FDCPA by engaging in the following practices : Calling me at inconvenient times, specifically at work. 15 U.S.C. 1692d ( 5 ).

Sending me threatening letters. 15 U.S.C. 1692e ( 10 ).

Trying to collect a debt that I do not believe is valid. 15 U.S.C. 1692g ( a ) ( 1 ).

I am requesting that the CFPB investigate LVNV Funding for violating the FDCPA.

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is in reference to XXXX on XX/XX/2018 i paid the account in full XXXX they took a debt card payment and informed me that once the payment clear that it would be removed from my account well payment cleared in a matter of minutes i did debt and its still on my account as a matter of fact i got an alert from the credit bureau saying the account went from derogatory status to current on XX/XX/2018 and the very next day XX/XX/2018 i get another alert saying XXXX changed it from current to a charge off and saying i still owe them the payment wich is incorrect they lied i tried to get the Credit Agency to file a fraud claim against XXXX because they are clearly lieing the person i spoke with name XXXX from the financial department told me soon as the payment clear they would send notifications to the credit bureau to have it removed well they didn't i paid them they lied and they changed the status they are hurting my credit status im trying to get a house and also i have documents to show my account been paid thank you

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 2022-01-06
Company: Experian Information Solutions 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:
My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

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 2023-11-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Due to a widespread issue with the ACH, my bank Chase, has failed to retrieve my direct deposit. It was supposed to be in my bank account by Friday ( XXXX ). I was told by a customer service representative when I called that it would be in my account by Saturday XXXX XXXX XXXX  ) and it was not. It's now been almost 4 days late since my direct deposit was supposed to be here and my work believes the ACH has sent our pay. It's XXXXXXXX XXXX  on Tuesday ( XXXX ) and I do not see it. However, regardless of if it posts, Chase has failed to resolve this within 1 business day at this point or offer compensation, and due to the issues, my rent is late and I have had little food to eat over the weekend. I believe this could be a clear violation of the EFTA and I am requesting compensation or the route to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted all 3 credit bureaus advising them that I was XXXX and a victim of identity theft. And sent them proof ( XXXX number ) which they can look up. I sent power of attorney to release any validation. I never received, and even if they did not want to release information to 3rd party they still had a responsibility to send me information. 
Its been months and XXXX is still reporting on my credit by : DIVERSIFIED CONSULTANTS for {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX # XXXX, and Account name : 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 states a consumer reporting agency can not furnish an 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 2023-07-06
Company: Checkr, Inc
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XX/XX/XXXX, I requested my Full File Disclosure from Checkr. In XX/XX/XXXX, Checkr finally provided my Full File Disclosure. Checkr is reporting inaccurate information in my background check. On XX/XX/XXXX, I submitted a Notice of Dispute with supporting documents to Checkr via certified mail ( USPS Tracking Number XXXX ). Pursuant to the Fair Credit Reporting Act ( FCRA ), the deadline for Checkr to respond to my Notice of Dispute was XX/XX/XXXX. As of XX/XX/XXXX, Checkr has failed to respond to my Notice of Dispute and is in direct violation of the FCRA. In addition to certified mail, I have called Checkr multiple times to request assistance, however, Checkr refuses to answer their telephone. I have emailed Checkr multiple times, however, Checkr refuses to reply to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX

Company response to consumer: Closed with explanation