BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX has two different cards provided to me. 
I FROZE one of the accounts with a smaller credit line of only {$4100.00} when I was issued a new XXXX card with $ XXXX line + airline mileage options. 

XXXX ALLOWED automatic purchases to go through on this card that was frozen and locked, and the amount due did not show up on the app as it is blocked out in RED due to the FREEZE I elected on it - nor did they send me a statement. 

They allowed for transactions NOT approved for over {$200.00} to go through without permission. I was sent a notice that my account was overdue- they issued a 30-day late on my credit report without proper notification that they did NOT correctly freeze the account + allowed transactions without approval to hit a cc account that I had no visibility to as it is locked ( red out ) on the app then penalized me unfairly. 

See screenshots - on the mobile app it shows my balance is {$0.00} yet the web portal ( that I NEVER USE ) shows there is a balance due of {$210.00} The charges that were allowed to go through without my permission need to be reversed and this unfair credit report and is illegal and needs to be corrected as does their mobile app that doesn't allow customers any proactive insight that there is even an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Every XXXX for the past 3 years the new servicing mortgage company, SPS Select Portfolio Servicing, doubles my mortgage payment owed. The loan was originated by XXXX XXXX Bank. Now they claim I am 3 payments behind. I have sent complaints about this every year to CFPB showing and explaining this. It is illegal and unfair practices. This is also a HARP loan and as such regulated further against discrimination and unfair practices. 

The regular monthly payment is {$730.00} Now they are saying I owe {$2900.00} even though I have made 12 payments every year without fail on this loan. They just keep illegally adding an extra payment every XXXX. I have written to them about this more than once and they ignore me and in fact charge me additional late fees and fines. I must also write XXXX on this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
the company CONVERGENT OUTSOURCING placed me in collection for a debt that I do not have with the company XXXX XXXX, I am currently a client of XXXX XXXX ( I send account statements ) from last of the date they " announce my debit '', and they " CONVERGENT OUTSOURCING '' never contacted me or " XXXX XXXX '' to talk to me about said debt over {$300.00}... I have called them ( CONVERGENT OUTSOURCING ) and also ( XXXX XXXX ) and they do not know how to give me information about this debt that they promote in my credit history, they do not have an account number, they do not give me information no proof about it, I offered to pay them and they can't do it either since they don't have that information either, but they don't remove me from the collection list either..

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 2017-07-26
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
IMC Credit Services contacted my employer, and communicated to them that they were a debt collector trying to collect a debt from me. In addition to verbally telling my employer about this, their caller ID shows " COLLECTION AGENCY '' as the registered name for the phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: LEXISNEXIS
State: WI
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:
LexisNexis is reporting a XXXX XXXX bankruptcy on my credit report they have put in the date of furnished as the US Bankruptcy Court of XXXX which is false. I have attached a letter from the XXXX US Bankruptcy Court verifying and state they in fact, do not report any information to the credit bureaus or any credit monitoring service to verify or validate. XXXX is falsely stating this information on my credit report and yet to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: EQUIFAX, INC.
State: IN
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:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Mr. Cooper Group Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
NationStar DBA Mr. Cooper Charges you for monthly inspections on homes that are less than 30 days delinquent ( they have 15 day grace period ) No inspections are EVER done! ( Iknow, b/c I AM also an inspector for these services. I also know firsthand they give sensitive information to minors at these homes. As I was witness to the only actual inspection I ever saw take place. 
, and that particular homeowner was less than 30days past due. I have inside information that there are multiple accounts where funds are being misrepresented and fees are being charged for services that are false they spam consumers with ROBO calls multiple times a day despite homeowners requests & / or filings that these calls are not necessary or rightly due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: PA
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. 

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 2023-06-23
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:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it 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 2021-09-15
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: MO
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 explanation
Consumer complaint received 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 noticed that there are multiple accounts and collection account reporting on my credit report along with manny inquires that i did not authorize most of the items have been removed due to fraud but there are still some items that are reporting falsely on my credit report when i have disputed it a few times please help me resolve this issue i filed an FTC report stating which accounts where Related to fraud and which inquires as well and i sent it in to all three bureaus on XXXX, XXXX, 2019 i was told that they have 30 days to responded but they have not responded to everything

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 noticed on my credit report there is unauthorized inquiries on my credit report that I did not authorize. the company name is XXXX XXXX XXXX. this was added to my report this is fraud I never authorized this company to pull 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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
hello I noticed that there are unauthorized inquiries on my credit report that I did not authorize the company name is XXXX XXXXXXXX XXXX XXXX XXXX I did not authorize this inquiry they added this to my credit report on XX/XX/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 2018-02-12
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have tried to work with this company Fay Servicing my account manager XXXX XXXX she is the worst.

I havent received the money back that I sent in to pay off my mortgage From my insurance check there was {$8000.00}. supposed to be returned to me. Ive been calling leaving messages also emails.I want proof that its paid off.

shes rude to me when I call, she cuts me off doesnt let me complete my Questions when I speak to her. The worst customer service. Ive complained about her it seems as they dont care they refuse to allow someone else to be my acct manager. no follow-up from supervisors they could care less how they treat their customers. I sent in my insurance check instead of fixing my house with funds from hurricane Harvey my house was totally submerged underwater and they just could care less. I paid it just so I wouldnt have to deal with them and I have no proof that its been paid off not even a letter confirming anything theres no number to call. Where I had to send my check and they refused to give me a number its been a couple of months now. I wish that someone would do something about that company all they want is your money. I need the money so that I can repair my home the weather is so cold and I have no walls yet nothing, no updates.

they harass you with letters my account was supposed to be in the modification process yet they reported me to the credit bureaus.

I had a loan modification just a couple of months ago to lower my mortgage because I was having a hard time paying it due to some personal problems, yet they have no empathy I cant get any itemized Receipt proving were my money has gone I believe they are a rip off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Open Dealer Exchange, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I have requested a copy of the document I signed giving them the right to check my Credit. They have  refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull 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 2022-01-28
Company: Experian Information Solutions Inc.
State: IL
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:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : XXXX XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my public record

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 2021-02-03
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am really upset that American Express has denied me over 10 times to get approved for a credit card. I have been approved for a XXXX  XXXX  and XXXX card and have an exceptional payment and utilization history. My credit score is XXXX and yet I am being denied for a credit card. I am really upset that American Express has failed to properly look at my credit profile and see that I am eligible for these cards. My social security number is XXXX and my date of birth is XX/XX/1983.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: EQUIFAX, INC.
State: NC
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:
I found three ( 3 ) unauthorized hard inquiries on my Equifax credit report. Called them direct and their representative asked numerous questions concerning my identity. After about 30 minutes, she wanted to know my problem, Told her I wanted these inquiries taken off my report because I never authorized these companies to check my credit. She told me she couldn't help me on the phone and didn't give me a reason why! Told me to call the companies direct. To sum it up, " can't dispute hard inquiries '' Found three ( 3 ) different unauthorized hard inquiries on my XXXX  credit report also. I called, and they  gave me the same run around. I'm to the point afraid to call XXXX, where I don't know want I'll encounter!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CREDIT ACCEPTANCE CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I just recently closed out on a XXXX loan with credit acceptance for a XXXX XXXXXXXXXXXX XXXX  I purchased from XXXX XXXX in XXXX, Connecticut. This loan was not advertised at 19 %, nor was I told at the end of the loan I would pay XXXX for a XXXX car. This caused a lot of pain, turmoil, hardships, fallouts with my mother, and excessive XXXX  loan borrowing to avoid repossessing my car. I tried everything from paying more each month to paying my vehicle note in half every two weeks to decrease the principal. Nothing seems to work. I was still faced with harassment calls from credit acceptance, and I was also told this was an annual loan, but this loan seemed to acquire interest daily. By far the worst experience on an auto loan ever.

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