BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: NY
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 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 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 2023-12-14
Company: Experian Information Solutions Inc.
State: GA
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:
Good morning I am filing a complaint against Experian because they refuse to dispute the following items that appear on my credit report because of identity theft. the reason they gave was because the furnisher of the information stated according to the information they had at the time they believed the information was accurate. Subsequently I filed an FTC identity theft report a local police report and contacted the creditors directly. the documents were sent to Experian by mail and receipt was confirmed. I am filing a complaint against experian for violating my rights as a consumer to challenge any information on my consumer report that is not accurate by 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 2023-03-17
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Out of all the 3 credit reporting agencies XXXX has been the worst in keeping and accurately reporting my credit reports! They constantly report old outdated information which then gives me a reduced Fico score? I will enclose my XXXX XXXXXXXX XXXX balance which is XXXX yet on your XXXX it still shows XXXX owed?? Also all my XXXX XXXX cards are all below 15 % credit utilization? It is not reflected accurately on my 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 2023-07-06
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the fair credit reporting act ( XXXX XXXX ACCOUNT NUMER STARTING WITH XXXX } in the amout debt of {$470.00} 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 602 A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I attempted to change my cell phone service from XXXX XXXX to XXXX XXXX because of poor service at my new residence. Before I switched over, I verified with an XXXX XXXX representative that our existing phones would work with their service. I had 6 lines on my account. XXXX mailed out SIM cards for the new phones, and I activated the phones on a Friday Evening. My phone was unable to place calls or get any reception inside our home or outside unless I drove about a mile away. The next morning I went to an XXXX store for assistance, and they told me it would be three of four days before I could try a new SIM card, but they didn't think my phone would be compatible with XXXX XXXX. I then attempted to just buy a new phone from them to use, and was told I couldn't purchase a new phone for 6 months. I went home and called XXXX XXXX Tech support using wifi calling, and was told that if I didn't like their service, I was free to find another provider. I went to a XXXX store in my neighborhood and they were able to provide me with a phone that worked on their service and ported all of my numbers over. I called XXXX XXXX and let them know that I was moving my service to another carrier. A few days later I received a bill from XXXX for {$670.00} for less than 24hrs of XXXX XXXX that never worked. When I disputed the bill with them, they refused to lower it and told me that unless I paid them they would send my account to collections. I now have a collection on my credit for what amounted to a nonworking product and horrible customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Just recently my husband and I were contacted by loan officer XXXX XXXX XXXX who works for Freedom Mortgage Corporation. He recommended that we refinance our home since interest rates are at an all time low. My husband asked XXXX XXXX what the closing costs on our end would be since we have not really saved for a refinance at this time. He explained that there would be no closing costs since Freedom Mortgage currently holds out loan. My husband then continued to explain that when we built our home with XXXX XXXX that we opted to take a higher interest rate to not have PMI. He asked XXXX XXXX if by refinancing we were now going to have to pay PMI. XXXX XXXX said no we would not have to pay PMI and there would be no closing costs for us. So at that we decided to go forward with the refinance. After submitting all the necessary paperwork required we were approved for the new loan at the new rate. XXXX XXXX sent us all the paperwork to sign electronically which after careful review and seeing indeed there was no PMI and no closing costs to us we signed and submitted the paperwork. Not long after we submitted the paperwork we received an email from XXXX XXXX the loan processor stating that we do indeed need mortgage insurance. I explained to her the situation and she said she would reach out to XXXX XXXX. After weeks of trying to get in contact with XXXX XXXX he has not returned any of our emails. The only thing we received from XXXX XXXX are new documents to sign which show that we now would owe over {$4000.00} in closing costs. He has had no contact with us and refuses to return any form of contact or answer our questions.

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 2023-12-13
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent dispute to all XXXX credit bureaus in regard to the same information, that they are all reporting in correct information and to provide documents that show proof of validation, I have not received any or a correction. I have asked each Experian, XXXX, and XXXX rep how each creditor verifies the information. Each agent advises that when you dispute and it comes back verified, the creditors only check the last four digits of your social security number, first and last name, and a code number. I do not understand how validating any debt with partial information about any individual is acceptable. Since you do not want to follow the laws for the credit reporting agencies regarding section 1006.34, Notice of validation, I am now requesting the credit reporting agency to validate the debt you claim to be verified and correct. According to FCRA section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] a ) Information on file, sources, and report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section I have the right to request the credit reporting agency for a copy of the original contract that I have signed from each creditor that you claimed to be valid, correct, and verified. As a credit reporting agency, you have signed an MOU ( Memoranda of Understanding ) with government agencies to receive and integrate credit information ( data ) from voluntary subscribers into your respective database. This Memorandum of Understanding ( MOU ) is entered into by and between the undersigned credit reporting agency ( from now on referred to as Credit Agency ) and Federal agency ( hereinafter referred to as the Government ). This MOU is entered into to carry out the purposes of the Debt Collection Act of 1982 ( DCA ), as amended by the Debt Collection Improvement Act of 1996 ( DCIA ) and codified at 31 U.S.C. 3711 ( e ), which governs Federal agency reporting of debt information to credit reporting agencies. This MOU is consistent with the implementing guidelines of the DCA and DCIA, including the Federal Claims Collection Standards ( 31 C.F.R. 901.4 ), OMB Circular A-129, and the Treasury Guide to the Federal Credit Bureau Program.

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 2022-06-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX account number XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Home Point Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There were 2 mortgages opened without my knowledge. This is clearly fraudulent. Listed below are the details of each mortgage. 
HOME POINT FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HOME POINT FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tried to dispute these accounts multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Square Inc
State: AZ
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:
I was frauded by cash app. This last week I had funds in my cash app set to the side specifically to pay my rent. I was waiting for my check to clear so that I could pay rent & pull the remainder out. On XX/XX/XXXX I went to use my card only to find out over {$1200.00} had been spent without my authorization. There was 3 separate transactions in the amounts of {$270.00}, {$500.00}, & {$430.00} with XXXX. I immediately reported the card stolen & reached out to cash app. I was issued a new card & was told to try & call target to have them cancel the transactions. XXXX told me there was nothing they could do, so I needed to call cash app & wait on them. XX/XX/XXXX I woke up to yet another transaction being withdrawn, even with {$0.00} in the account, this time in the amount of {$500.00} from the card they had just issued, which I have never even used. I then XXXX that card & again reached out letting cash app know there was fraud being done. Once the card was XXXX I really was able to see there was little to no customer service available to me. I filed a police report and filed a complaint with the XXXX  hoping to get someone to help me with getting my money back. This same day there was an attempt of {$460.00} which was finally declined! The next day, XX/XX/XXXX, I had woken up with another {$270.00} & {$430.00} being successfully charged to my account. This placed me in the negatives. After reaching out again for assistance I received nothing. I then had my pending check in the amount of {$780.00} cleared & then applied to the negative balance. This has left me with {$0.00}, 0 answers, & still a negative balance. Cash app has done nothing to assist me in getting my money back or letting me know the status of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing this complaint because I previously had an comenity bank/express credit card. I mailed in my payment in full to comenity bank/express in 2017 and a week later I received a letter from XXXX XXXX  saying I owe the debt but I informed them that I had mailed the amount owed to comenity/express. They told me I needed to call them because XXXX  never received a payment from them. I immediately called comenity/express and they stated they had not received a payment from me. I had sent them two payments on the same day. So I called XXXX  back and we agreed to wait awhile but and almost two months later of going back and forth they stated they just received a partial payment from them. I then called comenity/express again to inquire about the other half of the payment and they said they had no record that they received any payment for me ( which was crazy because XXXX  had gotten a partial payment from them ). Comenity said they would look into the matter but no one ever called me back. After going back and forth with XXXX  I just paid the remaining balance and filed a complaint with CFPB to have XXXX  removed from my credit report because it should have never been put on there. They responded that they would remove it from my report and that comenity/express was working to recall it from my credit. This debt has been paid in full and I would like comenity/express removed from my credit report because they stated they were going to recall it to XXXX XXXX and because they state they never received a payment from me but they sent XXXX a partial payment. I dont know what they did with other payment I made to them since they quote had no record that I sent in a payment. 

I havent heard anything else from them to this day. I also have not received a refund of the remaining payment I made. I would like this resolved as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
PLEASE DELETE THESE ACCOUNTS God Bless ... these accounts ( 1 ) XXXX  Account # XXXX ( 2 ) XXXX XXXX XXXX  Account # XXXX Have been Reinvestigated 4 times an they still are inaccurate. according to the law 15 U.S CODE 1681i ( Procedure in case of disputed accuracy ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. DO NOT REINVESTIGATE PLEASE DELETE THESE ACCOUNTS ACCORDING TO 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 non-monetary relief
Consumer complaint received 2021-11-09
Company: Credit Corp Solutions Inc.
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notice from a collection agency on behalf of XXXX XXXX, which I've never used. I called them to dispute it. They had my address, minus the XXXX  number and birth date, but email to create the XXXX XXXX was not mine and never heard of it. They offered me a discounted amount, which I refused because it's not my debt, so they told me to file a police report. They are opening a fraud case, but said XXXX XXXX already did and believe it's my bill. This is not my bill and I need help to get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: NY
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:
XX/XX/XXXX This account is not mine XX/XX/XXXX XXXX Please verify that this is accurately reporting on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect.

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 2023-12-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Started XX/XX/XXXX in which an unauthorized payment from my checking account was made on Jcpenny credit card in the amount of {$330.00}. 

On XX/XX/XXXX a miscellaneous adjustment was made on my account in the amount of XXXX and on XX/XX/XXXX a refund check was mailed to me in the amount of {$330.00}. 

These two adjustments were duplicated on my account and my account is now XXXX more than it should be. If the XXXX XXXX is taken off as an owned portion then the calculations would be correct.

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 monetary relief
Consumer complaint received 2023-09-17
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent the letter of validation of debt forms company failed to send all 4 legal documents back after 30 days of receiving the debt validation form. Therefore this collection legally needs to be removed from all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
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 fair credit reporting act. 
The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account names : XXXX XXXX Acct. Number XXXX. XXXX XXXX XXXX Acct. Number XXXX. Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish 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, 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 report agency if the person knows or has reasonable call 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