BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-29
Company: Experian Information Solutions Inc.
State: TX
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:
Below are the names of people and/or organizations who have obtained a copy of my Credit Report without my knowledge. It is my understanding that you should n't be allowed to put an inquiry on my file unless I have authorized it. Because of this I initiated several disputes and was told I had to contact the companies directly. After doing so none of the companies responded, so I re-contacted the credit bureau via telephone and In their response, they stated AGAIN if I wanted to dispute things further, I needed to contact the direct company however according to Section 611 of FRCA says you can request the method of verification from the reporting agency and if such agency doesnt have legal validation : documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, then such reporting agency must delete the file. I also requested the name, address, and telephone number of each person contacted regarding the accuracy of the reporting of the accounts and specified that any automated response or XXXX verification is unacceptable. 

As of XX/XX/XXXX, the bureau is refusing to show proof of validation or to delete the below inquiries, as they dont belong to me. 

XXXX XXXX XXXX other than personal XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Miscellaneous XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Credit card and travel / entertainment companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XX/XX/XXXX-XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX - XXXX XXXX  Other Collection Agencies XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX ; XX/XX/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 2019-04-18
Company: EQUIFAX, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These is a XXXX bill located on the equifax profile under XXXX XXXX in which it has stopped me from obtaining future business credit for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX of XXXX I paid my delinquent account off with XXXX XXXX XXXX Services. XX/XX/XXXX theyve reported again and this time it says Charged Off with a 0 balance. Ive called both XXXX  and XXXX XXXX services and no one seems to be able to help. Ive tried to dispute the account and it says I cant dispute it due to it already been resolved through a dispute in XXXX of XXXX. Ive been paying all my debt and cleaning up my reports and this is a huge thorn in the side.

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 2018-09-11
Company: Santander Consumer USA Holdings Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Santander Consumer USA ( closed ) Is over 7 years old. This should be removed because of the age.

Last payment was in 2011 please see the attached XXXX old credit report stating the correct dates.

Every time the company ( Santander Consumer USA ) is contacted it seems they keep changing the final dates. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is my second time I have to ask you for help. Cooling & Winter is not responding to any of my communication again letting me know what the pay-off balance is. I have called several times and asked them to call me. I have also e-mailed several time and again no response. Cooling and Winter LLC web payment site still shows that I owe over {$1200.00} even though I should be done making the payments ordered by the court. I am worried if I stop paying they will try to pull that I owe all the money because that seems to be there practice not responding and demanding full amount.

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 2018-06-09
Company: EQUIFAX, INC.
State: WA
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 had a mortgage with XXXX XXXX XXXX undergoing a modification and missed a number of payments. The mortgage was purchased by XXXX/XXXX and successfully modified. The status is currently good/pays as agreed. XXXX XXXX persists in reporting this mortgages current status as delinquent when it is not, and hasn't been for years. I have disputed this with the credit reporting agencies with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: AmeriHome Mortgage Company, LLC
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received two copies of a hazard insurance bill that is supposed to be paid from escrow by Amerihome Mortgage. I wanted to ensure that Amerihome had also received a copy, so I submitted a question via their secure portal. I received an incomprehensible response that looked like a failed cut/paste attempt.

I filed a second inquiry via the Amerihome portal and got a slightly better response although it, too, had significant problems. For example, it referenced a " proof of insurance '' request which was not the nature of my inquiry. 

Both the initial and second responses indicated that I could communicate with the company via chat, but after looking at every screen available to me in the portal, I couldn't find any way to initiate a chat session. 

It seems to me that the company has a staff that is improperly trained, and they refer to a function ( " chat '' ) in their standardized correspondence that is not available via the portal I am using.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Below are the names of people and/or organizations who have obtained a copy of my Credit Report without my knowledge. It is my understanding that you should n't be allowed to put an inquiry on my file unless I have authorized it. Because of this I initiated several disputes and was told I had to contact the companies directly. After doing so none of the companies responded, so I re-contacted the credit bureau via telephone and In their response, they stated AGAIN if I wanted to dispute things further, I needed to contact the direct company however according to Section 611 of FRCA says you can request the method of verification from the reporting agency and if such agency doesnt have legal validation : documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, then such reporting agency must delete the file. I also requested the name, address, and telephone number of each person contacted regarding the accuracy of the reporting of the accounts and specified that any automated response or XXXX verification is unacceptable. 

As of XX/XX/XXXX, the bureau is refusing to show proof of validation or to delete the below inquiries, as they dont belong to me. 

XXXX XXXX XXXX other than personal XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Miscellaneous XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Credit card and travel / entertainment companies XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX-XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX - XXXX XXXX Other Collection Agencies XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX I Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX ; XX/XX/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 2018-03-22
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I applied for a credit card at the XXXX in order to get furniture. I was approved the same day and ordered =my furniture right away. My FURNITURE was delivered on XX/XX/XXXX which I believe is the payment date. I started to pay {$100.00} the XXXX or XXXX of every month while my minimum payment in the contract was {$47.00}. A few month later, I found out that my credit card was charged late fees by XX/XX/XXXX which is associated with the XXXX. I called them to know the reason. In response, the Representative of XXXX XX/XX/XXXX said that it because I was supposed to pay the XXXX of every month, allegation that I disagreed with. However, I request to schedule the payment date the XXXX of every moth because it's my paid day and give her my credit card information for autopay and She told me to call the XX/XX/XXXX to get a final approval of the request. In XX/XX/XXXX, I called and the Representative told me that my payment date will now be the XXXX. In XX/XX/XXXX as I was expected the payment to be updated, nothing happened then I called again. In response, the Representative said that the billing circle does not allow them to place me on XXXX, so they schedule the payment date the XXXX of every month. I was so embarrassed with this kind of customer service and told him that the XXXX won't work for me due to budget. Now, they've been charging me over because last month they did not receive my payment. I have been having hard time dong business with the XXXX. I am embarrassed. They are just taking advantage of me because they are not making any effort to well manage my account and keep my credit in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: AMA Advisors, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Homebridge took my mortgage loan over in XX/XX/XXXX because I had done so good in 1st year on FHA loan and I received lower interest rate. 

XX/XX/XXXX Called Homebridge to request Forebearance XX/XX/XXXX logged into website on Homebridge to pay monthly loan and showed I owed XXXX and XXXX so I called CS  Rep said Forebearance done incorrectly so paid loan to XXXX and put me properly in Forebearance for XXXX XXXX XX/XX/XXXX Homebridge sent me letter saying they sent Credit Bureau incorrect info and they have fixed it and will take 30 days and apologies that credit was dinged when should not have been. ( attached ) XX/XX/XXXX Forebearance ended Loss Mitigation told me I was approved to pay XX/XX/XXXX at the end of loan, it was deferred. 
XX/XX/XXXX went to pay loan and logged into Homebridge and saw random bank account on my profile ( picture attached ) o Called Homebridge, CS  Rep said this was my fault, I hadnt logged in though since XX/XX/XXXX and at that time that account was not on profile, I tried to explain but agent would not listen to me and just kept repeating this was my fault. 
XX/XX/XXXX called Homebridge and made over the phone payment for XX/XX/XXXX XX/XX/XXXX called Homebridge again to pay XXXX. 
XX/XX/XXXX called Homebridge again to pay XXXX. 
XX/XX/XXXX set up online payment to pay XXXX and showed I didnt owe double mortgage payments XX/XX/XXXX sent info that Freedom Mortgage bought my loan XX/XX/XXXX XXXX XXXX  said to send XX/XX/XXXX and XX/XX/XXXX bank statements to show I paid XXXX and it was not sent back to my checking account XX/XX/XXXX called XXXX and still no answers and said to check back XX/XX/XXXX. 

The entire time I have asked to speak to supervisors and for help and have never heard from a supervisor and have never had anyone truly help me except to blame me for all of this and also being called a XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) Account Number : XXXX Balance : {$660.00} Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$7700.00} Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$730.00} This is a formal complaint against XXXX, XXXX, and TransUnion. The collection accounts I have mentioned above are being reported erroneously in my credit report. I have disputed these accounts since XX/XX/XXXX, and I do not see any changes in the way the account is being reported. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act. 

For one, XXXX XXXX XXXX is still reporting inconsistently. The date of last activity in XXXX is XX/XX/XXXX, while TransUnion shows XX/XX/XXXX. The credit bureaus can't seem to correct or validate this one. I even disputed this directly with the collector and original creditor. I am not getting any response to my disputes. It seems my effort to get this resolved is being neglected. I am trying to get approved for a loan and this is causing too much stress.

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 2021-05-06
Company: EQUIFAX, INC.
State: KS
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: Was not notified of investigation status or results

Complaint:
This is XXXX XXXX contacting you because of an issue with these credit reporting agencies. I contacted the companies on XX/XX/21 and also on XX/XX/21. I've been trying to fix these false issues and i'm being completely ignored. Nobody is trying to help me out and i keep getting either ignored or told to talk to someone else, but nobody is helping me address the issue. These issues are damaging my credit, hurting my reputation and causing me a lot of stress. Please help me get these accounts removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 31 days later, I have not received any response. Under federal law, you have 30 days to complete my investigation. Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.

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 2020-05-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Cancelled my card in XX/XX/XXXX and still sending bill. Please see the message Your Cancel Card Request Blue Background Member Since XXXX Your Account Number Ending : - XXXX Online Access : LogIn Button Dear XXXX XXXX, This message is to confirm that American Express has processed your recent request to cancel the following Card account ( s ). 

American Express Gold Card ending in XXXX American Express Gold Card ending in XXXX If you have other Card accounts registered for Manage Your Card Account online they will still be available online at americanexpress.com. 

Sincerely, American Express Customer Service

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
Company: Experian Information Solutions 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$220.00} XXXX XXXX {$110.00}

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 2019-04-18
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was in a lease until XX/XX/2017, I had my apartment cleaned and I had moved out before XX/XX/XXXX. I had given verbal notice that I was not going to continue living there. I received a bill from the law offices of Caine and Weiner that I had three months back rent in the amount of {$4600.00}, and {$75.00} for late fees. I was charged for " excessive cleaning '' {$240.00}, {$660.00} for legal fees, and {$120.00} for utilities, and a carpet cleaning for {$160.00}. Total {$5900.00} minus {$1000.00} for my deposit. From what I understand XXXX XXXX in XXXX has a bad reputation of sticking it to there tenants for leaving. As I understand it the laws of California are the Leasing office is responsible for getting an apartment ready for the next tenant and carpet cleaning, repainting the walls, and cleaning falls on the responsibility of the leasing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 31 days later, I have not received any response. Under federal law, you have 30 days to complete my investigation. Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Experian Information Solutions Inc.
State: WA
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 was advised to contact you all regarding items that are still on my report. I'm really trying to help my mom get a car so she can help with my kids school activities. I have already reached out to the FTC and my local police about this. Please have XXXX and a Bankruptcy off my credit.

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 2019-04-18
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have no knowledge of the following inquiry : XXXX XXXX XXXXXX/XX/2018 Please investigate to ensure there is no fraudulent activity

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