BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 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 UPDATED immediately. 

XXXX XXXX XXXXXXXX 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 2023-05-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
When Carrington mortgage took over my loan in XXXX of XXXX, they claim my escrow account was negative {$1700.00}. When checking into my previous lenders statements to me about my escrow it showed that when I transferred over, my escrow account was XXXX ( they also took two FHA payments out for XX/XX/XXXX ). My insurance was taken out in XXXX of XXXX which is paid on a yearly basis and my taxes were paid in XX/XX/XXXX which in bi annually. Because Carrington stated my escrow account was negative by so much they increased my escrow payments in XX/XX/XXXX making my monthly total payment jump from {$560.00} to {$890.00}. I believe Carrington mortgage has overcharged on my escrow and they will not share with me what was given to them from XXXX when my loan was transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-11-15
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:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 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 UPDATED immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I put a downpayment of {$2300.00} using my Discover card on XX/XX/XXXX, to an online education through XXXX XXXX XXXX XXXX.and to be scheduled to attend training event due to commence this year XXXX and the future which was canceled due to the FTC shut down. XXXX  which is a global internet company and I started receiving ongoing business training nearly every week and including monthly newsletters about how to grow your business and achieve customer acquisitions in XX/XX/XXXX. I tried to contact XXXX  after I learned that they were shut down by FTC but no luck, I contacted Discover to dispute my payment due to XXXX can not deliver anymore & all the basic learning are useless since XXXX is out of business. Discover stated that unfortunately, they can not help me with the dispute and suggested to find other resolution outside their company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-27
Company: SANTANDER HOLDINGS USA, INC.
State: IL
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 received a Notice of Delinquency dated XX/XX/XXXX, addressed to myself and the account holder. Re : Retail Installment Sale or Credit Sale Contract Dated XX/XX/XXXX vehicle ( N/A )... This letter will be included if I can upload it. The notice informs me the contract stated above is delinquent & is my obligation. {$750.00} is due the date of the notice. If I don't pay or make arrangements to pay within 15 days from the date of the notice- ( XX/XX/XXXX ), we may report adverse information about you to a consumer reporting agency and exercise our legal rights against you... 
The account holder did make arrangements and has paid XX/XX/XXXX : {$2900.00} XX/XX/XXXX : {$1800.00} XX/XX/XXXX : {$500.00}. A total of {$5300.00} in an attempt to clear the amount owed as requested in the Notice of Delinquency.

Santander Consumer USA reported negatively on my credit before the 15 day period expired on-XXXX, they stated in their Notice of Delinquency. The account holder spoke with Santander and made arrangements for payment, explaining having every intention of fulfilling that responsibility. Asking why did they report on my credit when arrangements were made. They were asked to remove the report off my credit as I was in the process of moving and could possible be left homeless due to this knocking my score from XXXX to XXXX to XXXX. All in one week. The landlords thought it had to be an error. Unfortunately for me, there was not time to stop the damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: ECMC GROUP, INC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Several loans that were serviced by ECMC during the loan rehab period had incorrect loan balances and interest rates therefore I was overcharged. For example, ECMC calculated 2 loans based on the orig. principal of {$3500.00} and fixed interest of 6.80 %. However, orig. principal amt should be {$1600.00} due to a portion of the loan having been cancelled / never disbursed by the lender. Additionally, 2 of the loans has a fixed rate of 4.50 % - yet they charged me at 6.80 % on each. Another loan has a fixed rate of 5.75 %, ECMC charged me 6.00 %. Yet another loan has a fixed rate of 6.55 %, again they charged 6.80 %. There were several loans mishandled in this manner and as a result there was interest calculated that should not have been and payments misapplied as a result. I advised them of their mistake on several occasions, most recently on XX/XX/XXXX, but they have refused to fix the info on file or advise HOW they plan to rectify it. ECMC also did not report payments made by me on this loan while it was handled by them ( years XX/XX/XXXX through XX/XX/XXXX ) and at the time they transferred my loans to XXXX XXXX. ECMC also reported the wrong loan info on my credit report during the years XX/XX/XXXX through XX/XX/XXXX. ECMA also failed to report to the Dept. of Education that they received an IRS offset in the amount of {$5200.00} during that same time period.

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 2023-12-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE
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/23 I purchased a XXXX from XXXX XXXX XXXX in XXXX  XXXX Missouri to be used the same day. When checking out I looked at the date of the XXXX and it was correct. While driving to hotel my wife realized that it was for the next weekend. We immediately tried to cancel the XXXX and contacted their customer service. The only way to talk to someone is through an app on their site and the customer service is subpar. They wanted information from the hotel and the hotel would not provide me that information that the room was not used. Even after the date it was supposed to be used. We have been with USAA for over 19 years and disputed less than 5 things or charges that were inaccurate in that time. I have provided documentation pictures of the conversation with XXXX and dates that the great wolf lodge was contacted multiple times. We have not been given what they utilized to make a decision or what information or investigation they did with XXXX and XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
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: Reporting company used your report improperly

Complaint:
I am an XXXX data breach claimant. My personal information has been used to obtain goods or services without my knowledge below are the items that I have found to be identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX ) XXXX XXXX XXXXt # XXXX XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX  XXXX XXXX The reporting of this information is a violation of my rights under the FCRA and I would like to exercise my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ). 
These items appear on my Experian report # XXXX Per the requirements under FCRA 605B ( 15 U.S.C. 1681c-2 ) I have Included a written statement here as well as the Identity theft report # XXXX. 
I have also included the required documents to verify my identity such as my Drivers license and Social Security Card, Which meet all the requirements under FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer

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 2023-05-27
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We have an agreement with the hospital and have been paying the hospital ever since we received this bill.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: Experian Information Solutions Inc.
State: UT
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:
As of XX/XX/XXXX Experian reported that this document the company have is certified and accurate and when I called to request that document of verification I was told they don't have that document and I would need to contact the courts lol okay well the Federal Courts don't share information with credit bureaus or third parties that would be violation of privacy. Experian has not disclose this source of information if this Document can't be disclosed then Experian need to delete or provide the Certified Federal Court document that Company verified this accuracy. Please keep in mind this is a public record which I did not sign or give any permission to place on my credit report to do so without my consent this is Identity theft and fraud Under FCRA 609. Disclosures to consumers [ 15 U.S.C.

1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information.

Further, Under FCRA 607. Compliance procedures [ 15 U.S.C. 1681g ], ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Federal Privacy Act of 1974 - 5 U.S. Code section 552a. 


Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX .... 

Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

For damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on right to privacy {$1000.00} Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report.

This not a Credit Repairs Service or Invincible Service either I'm tired of the stalling games I understand my rights as a Consumer and know my rights and the law. If Experian Continues to stall and gives excuses I will proceed with legal action and If you think this a Credit Service Company! again try me and you'll see I'm no Credit Repair business. 

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 2023-05-27
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Net Credit - Date opened : XX/XX/2022 Amount : {$1000.00} | XXXX {$1800.00}. 

this account was opened as a fraudulent. I don't have any access to this account. Around the time it was open I lost my purse and all my credentials were in there even my phone. Which I didn't have a passcode due to the screen being broke and half the screen was working. I talked to the company they didn't believe me. Also my other credit cards is maxed out because they used them too since my state id was in there also. This becoming a hassle to me because I get phone calls every day from the company trying to explain but they keep saying all this information is actual.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
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 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief
Consumer complaint received 2023-03-05
Company: Experian Information Solutions Inc.
State: OH
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. 

Accounts : 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 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 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 ) States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 ) States : 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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I have asked them multiple times to remove all these alerts on my credit file I am trying to buy a house This is my second attempt to get these alerts removed. I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not disputing anything on my credit report as of today. Please open my credit file if you'll have any type of block on it thank you. 
Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: Bridgecrest Acceptance Corporation
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2018-10-30
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was affected by hurricane in XX/XX/XXXX, my mortgage company gave me a forbearance for the months of XXXX, XXXX and XX/XX/XXXX. At the end of that forbearance they told me they will work with me thru there loss mitigation Department on options so that I can repay those 3 months. I continue to call and make my payments every month thru the loss mitigation department they told me not to worry that this would not be reported to my credit report that I had to wait cause they had over 10,000 people in my situation. I submitted all documents they required twice and in XXXX of XXXX with out any notice they reported my account to credit bureau as 90 days past due this caused my creditors to close my active accounts, reduce my credit lines and lower my credit score to poor. I complied with everything and they refuse to correct the situation I didnt hear on a repayment plan from loss mitigation as hurricane affected victim til XXXX of XXXX, I turned it down and paid the months that where in forbearance. But Dovenmuehle mortgage still refuses to correct the information they submitted to my credit report after several times I have reached out to them to do so.

Company response to consumer: Closed with explanation