BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-19
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:
XXXX consistently lowers my credit score when I received two new credit cards and they are monitoring and purposely decreasing my credit score to keep me from obtaining credit. 

They have my credit file in XXXX special investigation file so when ever I apply for credit they are alerted and change my credit information then deny the new credit application. 

They have no reason to have my file listed under special security. 

They have decreased my credit score by XXXX points for an 18 % increase in balance for XXXX new credit cards. 

XXXX months prior to the XXXX point decrease they decreased my score by XXXX points for a new credit card. 

They consistently show a balance for a charged off and disputed account with XXXX opened in 2014 which should be removed from my credit report. 
It's over XXXX old. 

They are allowing XXXX to monitor my credit. 

I have monthly credit inquiries by XXXX. 

But every time I have a credit inquiry they list it on my credit report along with recent last payments this is all illegal. 

I have made many complaints in which XXXX corrects the matter and then repeat the same actions a couple of months later. 

I have written my local Senator who happens to be on the XXXX XXXX XXXX with a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I opened my account with XXXX XXXX in XXXX of 2019. Since the time of me opening my account I have paid every balance off in full before the billing cycle ends. I have never carried a balance on this account. XX/XX/2019 I traveled to XXXX, where wifi and cell phone service is very spotty. I paid my balance in full due for the month of XXXX. In XXXX, I paid the minimum payment that was due. As I always do, I attempted to pay the full balance off from my card. Being that I was in XXXX, I transferred all of my money from one account to another. This in turn caused my two additional payments for the month of XXXX to " kick-back '' and not fully process. I was unaware of this until I checked my credit report XX/XX/2019 only to realize my XXXX XXXX account had been closed. I immediately called XXXX XXXX attempting to resolve this issue and was denied not only by the service rep by also by the XXXX the Account Supervisor. I asked XXXX to record the phone call so that there was evidence that I did indeed attempt to pay my card in full but XXXX XXXX is denying to accept the payment even before the actual billing cycle ends.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank with Chase Bank and have my pay check direct deposited into my account. On Friday my check was not in my account and when I called Chase bank on Friday morning they told me they can see the direct deposit and informed me that every account number has its own routing number rather than the bank just having 1 general routing number and as a result the check is stuck in the computer system because the routing number used was for my other checking account with them. They verified the account number was correct though but couldn't do anything because it was stuck in the computer system and to call back in 24 hours if it still isn't in my account. I called back the next day and was told they can't do anything till Monday but will start the claim and the claim department has 10 days to work on my claim! That means I have to go 1-2 weeks with no money in my account and have no way of getting gas into my car or feeding my children properly for the next week or two because Chase bank refuses to release my money into my account even though they can see it! They are stealing my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The list of accounts below has violated my federally protected consumer rights and privacy and confidentiality under 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 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 XXXXXXXX XXXX 

15 U.S.C. 1681s- ( A ) ( XXXX ) 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 2023-03-12
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, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX ( this is the second account listed with this company ), XXXX  XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account # XXXX ( there's two accounts listed with this company ) , has violated my rights.

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

It is duplicate accounts on my credit reports also one account shows as a collection and charge off account with different amounts, dates also amounts paid as recent as XX/XX/2021 XXXX other dates as if to keep it on reports longer, amounts as small as {$3.00} up to {$100.00}. I did not authorize these accounts, inquiries XXXX XXXX XXXX are not mine nor the collection accounts are not mine and it's causing HARM to my CREDIT LIFE.

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 2018-08-14
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018, I received a letter from XXXX XXXX stating that I owed a debt from XXXX XXXX in the amount of { {$640.00} }.  XXXX XXXX agrees to settle the debt on XXXX XXXX behalf for {$540.00} in three payments on the following dates XX/XX/2018,XX/XX/2018XX/XX/2018. On XX/XX/2018, I completed the debt as agreed. XXXX XXXX stated they would contact all three credit bureau to update my credit and they would send a letter/notification to XXXX XXXX that the debt has been settled. I call XXXX XXXX to follow-up informing them it has been more than 30 days since this debt has been paid, and they have not sent the correct information to XXXX XXXX nor have they updated the three credit bureaus. XXXX XXXX is clearly in violation of the law by reporting incorrect information to the credit bureau. This debt should not be collectible, as I have completed the agreement of the settlement. I have called XXXX XXXX numerous times speaking with supervisors who have stated they would send a letter to XXXX XXXX, myself and also update the three credit bureaus, which they have fail to do. This company continues to hold my credit hostage and to violate the law.

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 2023-03-12
Company: Experian Information Solutions Inc.
State: TX
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, this creditor has violated my rights. Under 15 USC 1681 Sec. 602 states, I have the right to privacy! Under 15 USC 1681 Sec 604 ( a ) Sec. 2, it also states consumer reporting agencies can not furnish an account without my written consent or instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Please be mindful that i have already filed an Identity Theft Report with the FTC as well which surprises me that you guys ( experian, XXXX, XXXX ) haven't acted upon this yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have hard inquiries on my credit report for cards I never attempted to open. When calling the companies they said that the credit applications were denied, however they arent removing the inquiries from my credit even though I never made an inquiry with any of the banks below- XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Citibank NA, XXXX XXXX Citi Cards/Citibank XXXXXXXX XXXX XXXX NONE of these are me. Please help!

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 2022-12-23
Company: NAVY FEDERAL CREDIT UNION
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:
Navy Federal Credit reporting reporting the the credit score for XXXX  score is reporting XXXX when XXXX is reporting XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 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 explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called TransUnionXXXX after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus ( " DATE OF PREVIOUS LETTER '' ). I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
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 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 2023-08-10
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received this year 's escrow analysis and found that there was a error regarding my homeowners insurance policy ( ies ). During closing last year in XXXX, XXXX I had paid XXXX for 12 months coverage to XXXX XXXX XXXX. Property taxes were also paid and the amount of escrow taken that following year should have covered the majority of escrow needed for this year. 

The analysis completed on XX/XX/XXXX shown that I was XXXX in debt for escrow. When I reviewed the analysis I found they had two policies taken out for homeowners insurance. The amounts are XXXX ( XXXX, XX/XX/XXXX ) XXXX ( XXXX, XXXX, XXXX ) and XXXX ( XXXX, XX/XX/XXXX ). I called Vanderbilt mortgage and finances, Inc to try to resolve this XX/XX/XXXX. 

They gave me policy numbers and phone numbers to the insurance companies and I called the next couple days getting everything lined out. Unfortunately, there is still a debt in which I owe and a monthly increase in escrow payment of XXXX. 

XXXX issued a refund on XX/XX/XXXX which I still have yet to receive and when I call I am told it is processing. Vanderbilt claimed that I had not paid any amount towards property/homeowners insurance with closing cost ( page 2b of 5  in closing disclosure shows on line F 01 an amount of XXXX ). 

They are not helping me to resolve an issue they have made and I feel that I shouldn't be obligated to pay for their mistake. I have already made one payment with the escrow increase and need help resolving this issue as quickly as possible. 

Sorry for the long message but I most certainly thank you for your time.

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: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Problem with fraud alerts or security freezes

Complaint:
I was mobilized under a XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022. My civilian pay appropriately stopped as of XXXX XX/XX/2022, and my military pay was delayed for XXXX days. My military pay also was paid inappropriately for XXXX days at my previous pay grade, and without the correct housing allowance. The inappropriate pay at old pay at older, lower rate of pay was less than my civilian pay, in addition to not receiving any pay to cover bills during the month of XXXX. I informed Penny Mac mortgage of this issue and asked for XXXX protection to prevent a XXXX day late credit report. XXXX removed the late fee, but has continued to report the XXXX day late to credit bureaus. Ive disputed the late report with the credit bureaus many times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2020, my fianc and I combined our bank accounts. We both moved into his account. I emptied my account XXXX but left it open. 

I thought I had changed my bank account information on American Express to reflect the new account. On XX/XX/2020, I attempted to pay my statement off on AmericanExpress.com. Total : {$4700.00}. Unfortunately, the bank account information had not updated, so the system attempted to pull from my old and empty account XXXX. 

I didnt notice this for several days XXXX XX/XX/2020 ). When I logged in to check my bank account, I noticed that it had attempted ( and failed ) to pull the funds and had over drafted my account. I was told it would continue to try. I did not want to accrue overdraft fees, so I opened a case to dispute it in hopes that it would stop trying to draft. 

My bill was due XX/XX/2020, and the dispute was still open, so I moved the funds from my new account to my old account XXXX and paid off the American Express statement. I then went into my bank XXXX XXXX XXXX XXXX and closed the account permanently on XX/XX/2020. 

I assumed this handled everything as I paid my bill. 

On XX/XX/XXXX, the dispute was closed and American Express claimed to return the funds to me. Now, my American Express account shows I still owe the amount despite having paid it. The account had been closed at the point for 10 days. I called XXXX XXXX and they confirmed that nothing could be transferred into the account at this point. 

Ive spent a full work day on the phone and chats with American Express. I opened a second dispute which has closed without resolution. I can not waste any more time on useless phone calls with customer service. If this cant get resolved quickly, I will have to take legal action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Trans Union has my count locked. I never requested this information on report. Please have them remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Early Warning Services, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I closed my checking account on XX/XX/XXXX and XXXX & XXXX XXXXk is reporting to Early Warning Signs that my account was closed on XX/XX/XXXX My phone number on the report are incorrect as well.

Company response to consumer: Closed with explanation