BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 6028 that states I have the right to privacy.

15 U.S.C 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without any written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency, might make any consumer reporting containing any of the following items of information of any other adverse item of information, who it that records or convention of crimes, which attendates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
There are inquires on my report i did not autorize Transunuion 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 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 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 2022-08-25
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
World Finance has repeatedly called me before and immediately after making a {$150.00} payment towards the {$550.00} balance reported on my credit report since XX/XX/XXXX. 
Due to a job layoff, I have not been able to focus any payment toward the reported {$400.00} balance and have had to address more immediate needs as a result. As a result, also addressing my financial and credit situation I have reached out with the attempts to verify the correct amount and reported credit information I have not received my request via mail from the company instead have gotten updated credit reports still displaying the {$400.00} balance and address XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Today ( XX/XX/XXXX ) XXXX told me XXXX XXXX XXXX XXXX XXXX was the right address but ( not listed on the report ) and that I was not eligible for a Goodwill Letter with the request to settle the account. 

XXXX has called several times from XXXX but asked for a callback to XXXX ext XXXX. When I called the number couldn't be reached and I called back to XXXX only to be told by Sup XXXX that the XXXX XXXX XXXX XXXX XXXX was the right address with denial about knowing XXXX XXXX XXXX XXXX, SC XXXX and return mail that she claims were not received. I have verification of other mail coming from XXXX XXXX XXXX XXXX, SC XXXX. Yet this time I got an apparently opened and retaped return undeliverable letter that was not stamped or signed on the green verification card. Sup kept referencing payment arrangements like XXXX but not taking ownership when I expressed FDCPA under sections XXXX law about incorrect information. And I will attach the law as it states under the FDCPA *All XXXX Credit XXXX XXXX have XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX listed as reporting on my credit report which was updated on XX/XX/XXXX. Yet when calling credit bureaus they have XXXX XXXX XXXX SC which contradicts the fact that the updated address that they claim has not been reported or updated referencing accuracy. " XXXX kept saying she did not know why this was being the reported address ''. She wanted me to speak with the compliance department, however, I opted for no repeats due to the constant call of harassment under the FDCPA section 806. She also asked for my email address which should already be on file with the correct information. *Whole account number not listed just the last 4 numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: GOLDMAN SACHS BANK USA
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I inadvertently must have used an Apple Card when buying a new XXXX a the Apple store back in XXXX of this year. I thought I used my click to pay feature on my phone using my XXXX XXXX ( which is paid off monthly ), but the phone for some reason chose and Apple Card from my digital wallet. 

I find out in XXXX that the Apple Card was used and of course I never paid it off b/c I didn't know the charge happened on an Apple Card. My XXXX XXXX every month is $ XXXX $ XXXX, again paid off monthly so I wouldn't have noticed a {$1500.00} phone. I called Goldman Sachs onceI saw on my XXXX report that I had a 30 day late notice. I paid the phone off and asked to close the account. My credit score has always been above a XXXX XXXX, with that mishap I went down to a low XXXX XXXX. 

I just today XX/XX/23 looked at my credit and I now have a 30 and 60 day past due on the same card. I called customer service and they said it was continued interest. I get 100 's of Emails a day and have never been on the lookout for a bill from Apple Card. All my bills get paid in full monthly on auto draft. I am now down to a XXXX XXXX score and Goldman says they will not do any goodwill reporting to fix my credit. I have had ZERO late payments in 15 year... not I have 3 from this company. 

I have now put a autopay on the Apple Card so any other rolling interest is handled, but I just want the 3 bad reports to be reversed and for my credit to go back to a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2021 Experian received my dispute in regards to the inaccurate reporting of the XXXX XXXX account for the amount of {$420.00} being reported on my consumer file. I informed Experian that I previously disputed this account and requested a debt validation from XXXX XXXX that was received by their office on XX/XX/2021. XXXX XXXX failed to respond to my request for debt validation and continues to report disputed unverifiable information to Experian. Therefore, I have deemed this account as fraudulent due to XXXX XXXX 's failure to respond and validate the alleged debt. Furthermore, this account has not been noted on my consumer file as disputed by either Experian or XXXX XXXX since the commencement of my direct dispute with the furnisher of information, as well as with Experian. I have yet to receive any notifications or reinvestigation results and this dispute has exceeded its reinvestigation 30-day period which concluded on XX/XX/2021. By law Experian is required to delete this account and has failed to comply with the reinvestigation procedures in regards to consumer disputes as set forth in the Fair Credit Reporting Act and my rights as a consumer have been violated.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 summited a dispute. 
I have just checked my credit report and I see that the item is not marked disputed so I am unsure if the company is following the law, because 15 USC 1692e ( 8 ) states Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
here is my account info to use during your investigation into this matter account name XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX / 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 2023-07-19
Company: CITIBANK, N.A.
State: AZ
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:
2 Balance transfer amounts on Citibank card : 1 at 0 % until XX/XX/XXXX Balance Transfer 5 now at 20.99 % and 1 at 1.99 % until XX/XX/XXXX Balance Transfer 4. 
XX/XX/XXXX called to payoff Balance Transfer XXXX before rate expired and interest was charged. Told to call back XX/XX/XXXX to make the payment. 
XX/XX/XXXX called to make pmt to payoff Bal Transfer 5 to avoid interest charges. Told to wait and call back XX/XX/XXXX so the interest would change and be higher than Balance Transfer 4 and start being billed. 
XX/XX/XXXX called back, explained my 2 previous calls and why I was calling, verified and confirmed amount needed to pay off Balance Transfer 5 and that it was now at 20.99 % interest, and payment specifically to pay off Balance Transfer 5 was processed over the phone. 
XX/XX/XXXX new statement is received. Payment to Balance Transfer 5 was incorrectly applied to Balance Transfer 4 and interest was charged for Balance Transfer 5. 
XX/XX/XXXX after speaking with a rep was transferred to supervisor, XXXX, he told me he understood what had happened and that he would take steps to correct the misapplied payment and refund the interest charged. 
XX/XX/XXXX received letter from Citibank stating payments are applied to higher interest rates before lower rates and the payment was applied to Balance Transfer 4 instead ( at the time of the XX/XX/XXXX payment, Balance Transfer 5 was the higher rate ) and they would not honor my request to have the payment applied correctly. 
XX/XX/XXXX - thinking the XX/XX/XXXX letter was in response to one of my first calls, I called and spoke with XXXX who confirmed XXXX had made the changes and Balance Transfer 5 was at a {$0.00} balance. 
XX/XX/XXXX new statement is received. Interest refund on Balance 5 by XXXX was processed but payment paying off Balance Transfer 5 was still showing as applied to Balance Transfer 4 and new interest was charged once again for Balance Transfer 5. Called and spoke with XXXX who told me that the " back office '' would not allow the payment to be applied to Balance Transfer 5. I told him I would be filing a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
American Express charged me {$260.00} in interest on a {$4700.00} that was paid in full ONE day after the due date. I was late on payment because I had upgraded to a new card, and American Express did not sync up the due date with my existing card. Further, I contacted American Express on the date I missed my payment, and they agreed to waive charges and interest. The billing cycle was abnormally long given the opening of the opening of the new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: CA
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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: BANK OF THE WEST
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, I checked my account ( including pending charges ) before making 2 transactions. One charge was a payment to my credit card, the other was a debit card transaction. I showed a balance of just over {$62.00}, and my transactions were for {$40.00} and {$20.00}. I checked my account today, XX/XX/XXXX, and there is a service fee on my account, causing a negative balance. The fee shows it passed on XX/XX/XXXX, but it didnt show on the account at all until XX/XX/XXXX, causing an overdraft and likely costing me a {$35.00} overdraft fee for a {$10.00} fee. Bank of the West lacks transparency and should be required to show pending fees, especially when the fee us literally because I dont have enough money going into the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-14
Company: Paramount GR Holdings, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXXXXXX XXXXXXXX XXXX called me up and said i was pre-approved for a mortgage refinance. We talked briefly and he requested a credit card to pay {$250.00} ( half of the appraisal fee ). I was charged {$250.00} on my XXXX  in XX/XX/XXXX and no one called me to schedule the appraisal. I then called XXXX XXXX XXXX in XX/XX/XXXX and asked if my loan application was moving forward and requested to be contacted by the appraisal company to schedule, i was never contacted. Then a letter in XX/XX/XXXX from XXXX XXXX arrived disclosing that I am not approved for the Loan and XXXX XXXX XXXX is not responding to email, text or call.
XXXX XXXX XXXX  nmls # XXXX XXXX XXXX XXXX  XXXX XXXX Senior Mortgage Specialist p. XXXX x.XXXX f. XXXX  XXXX nmls # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-29
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell 3 years behind in payments due to severe XXXX injury & hospitalization from the XXXX war while on XXXX XXXX in the XXXX XXXX. 

I paid only XXXX for the home in XX/XX/2007. This date and the original purchase amount is also reflected on ALL of the original financial documents ( deed, etc ). 
M & T bank took over the loan and literally ADDED each and every payment ( plus interest ) that I fell behind on to the XXXX original purchase price. They, as a result, fraudulently ballooned the Home loan to almost {$590000.00}! 

M & T bank then put my payments from XXXX/month to almost $ XXXX/month and literally erased all 8 years of equity ( on time payments ) that I made on the loan. 

M & T bank then claimed that I must sign the agreement to pay almost $ 4000/month or face absolute & certain foreclosure. 

M & T bank ALSO INCREASED the number of years to pay the loan back to 30 years! 

I could not keep up with these payments and M & T filed foreclosure. This is fraudulent predatory lending. 

The length of the 30 year loan should have been extended by only 3 years in order to keep the monthly note the same, $ XXXX/month. The 8 years of equity ( 8 years of house note payments ) should be credited towards this loan in full. The original purchase price of XXXX for this Home should not have been changed.

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 2021-02-18
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Requested Mortgage Payoff Statement From Fay Servicing LLC. Mortgage principal is {$13000.00}. Escrow for RE tax is {$6700.00} XX/XX/XXXX Received Payoff Statement saying all principal must be paid before escrow is refunded. Mailed check in the amount of {$13000.00}. 

XX/XX/XXXX Received letter returning my check saying only certified funds are accepted. 

XX/XX/XXXX Using Fay Servicing on-line site, I paid down the principal to {$0.00}. Their site does not allow pay down to zero. 

XX/XX/XXXX Requested new Mortgage Payoff Statement. My last payment to Fay Servicing LLC sent by bank XX/XX/XXXX Mortgage principal is {$0.00}. Escrow for RE tax is {$6700.00}. Called Fay Servicing and asked if {$0.00} principal can be paid from my escrow fund, the remaining {$6700.00} escrow be refunded to me and receive my title papers. 

XX/XX/XXXX Email from Fay Servicing asking for bank statement showing funds sent to Far Servicing. Sent documentation to Fay Servicing. 

XX/XX/XXXX Email from Fay Servicing saying " any outstanding escrow overage will be refunded within 30 days after the loan is paid in full ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: LEXISNEXIS
State: MI
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: Problem with personal statement of dispute

Complaint:
3rd REQUEST FOR ACTION! 

I recently submitted several complaints to XXXX  & LexisNexis regarding a Chapter XXXX  bankruptcy reporting on my credit report. After careful investigation and wording of the law, it states the following : According to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX  bankruptcy CAN remain on your credit history for UP TO 10-years from the filing date. For a Chapter XXXX  bankruptcy, the maximum is seven years, like most other negative items. There are some key phrases in that statement that need to be clarified : 1. " CAN '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade. 

2. " UP TO '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy CAN BE REMOVED from a credit report before that limit is reached. My bankruptcy is scheduled to be deleted in XX/XX/2020. 

I am applying for a mortgage and this is severely impacting my ability to obtain reasonable financing. I am asking LexisNexis & XXXX  to read the above law by the FCRA and delete this item.

Company response to consumer: Closed with explanation