BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: GA
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:
The ITEMS listed below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unconfirmed & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to properly investigate the matter by using a third party as their verification provider. I've tried to address this directly with XXXX Credit Bureaus, but despite my efforts, they have been willfully negligent and in violation of federal law. I need this situation to be resolved right away. Please delete the following items from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$2.00} ; XXXX XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$150.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$260.00}.

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 non-monetary relief
Consumer complaint received 2017-06-19
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX     2014  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2018-10-22
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: Account information incorrect

Complaint:
A collection company, XXXX XXXX is showing opened account date of XX/XX/2018. This is not correct as that is the date the debt was purchased from XXXX XXXX XXXX  XXXX XXXX. Additionally the amount is incorrect. I have requested this be corrected but it has not.

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 2019-08-10
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
On XX/XX/2019 all 3 credit reporting agencies, Equifax XXXX, XXXX  XXXX, XXXX XXXX report to XXXX those credit scores when I pull FICO it show Equifax XXXX, XXXX   XXXX, XXXX XXXX, I maybe denial an equity line of credit because of this misrepresentation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
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:
I called XXXX and submitted disputes with all Three bureaus. XXXX updated late payment reporting on my XXXX but has refused to update my transunion or XXXX. I have been getting the run around without a response.

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 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to call these three credit reporting agencies for annual credit report and they said they can't recognize me over the phone even after I told them my personal information. They refuse to send me 3 free credit reports to me. Also I tried to get approved for XXXX It secured credit card but they declined my application. I suspect that my parents ; XXXX XXXX XXXX and XXXX XXXX XXXX are using my SSN to open more accounts and they financially abused my settlement money after I turned XXXX. I'm XXXX years old and I try to rebuild my credit using secured credit card but I can't because of fraudulent activities by my own parents. They need to be held accountable for doing that to me. I tried to call these three companies but they won't send me free credit report information because they can't recognize me at all. 
XXXX XXXX XXXX. XXXX  XXXX XXXX. XXXX, GA XXXX. XXXX. 
XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, TX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, PA 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 2023-07-06
Company: Amsher Collection Services, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amsher Collection Services, of XXXX XXXX XXXX, XXXX XXXX, XXXX AL XXXX, phone XXXX XXXX XXXX, cited a bill of {$770.00} from XXXX as owed by me. XXXX confirmed to me that I had no open invoices sent for collection. Upon being contacted, they refusef to correct the payment unless I paid. Furthermore, they did not contact me directly or send notice of the unpaid invoice or its description to me ever. I discovered it in my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX someone without my permission or consent opened an account with PNC bank depositing {$250.00} into the country the same day. As soon as I recived the letter in the mail I contacted PNC and they closed the account and started an investigation. On XXXX XXXX an account was made with XXXX XXXX XXXX in my name they deposited {$44.00} into the saving a account and the same day transferred the money to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
On XX/XX/2019 all 3 credit reporting agencies, XXXX XXXX, XXXX  XXXX, TransUion XXXX report to XXXX those credit scores when I pull FICO it show XXXX XXXX, transUnion XXXX, XXXX XXXX, I maybe denial an equity line of credit because of this misrepresentation

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 2023-07-06
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX ACCT XXXX IS SHOWING INACCURATE BALANCE I CALLED AND VERIFIED THE CORRECT AMOUNT IS XXXX BUT IT SHOW INCORRECT BALANCE ON XXXX, EQUIFAX, XXXX AND XXXX. 

MULTIPLE INSTANCES OF INACCRACIES, OUTDATED AND ERRONIOUS INFORMATION DOCUMENTED WITH PREVIOUS COMPLAINTS THAT THEY REINSERTED AFTER REMOVAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX 's XXXX have violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2018-07-31
Company: Navient Solutions, LLC.
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:
IN REGARDS TO : NAVIENT XXXX XXXX XXXX XXXX, PA XXXX I HAVE DISPUTED WITH XXXX ABOUT THIS ACCOUNT SHOWING UP ON MY CREDIT REPORT AS IF IT IS MINES WHEN IT IS NOT. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. I AM A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED. I HAVE SUBMITTED THE PROPER DOCUMENTATION TO THE CREDIT BUREAUS REGARDING THE FORGERY AND IDENTITY THEFT REPORTS FROM THE POLICE DEPARTMENTS AND THEY STILL REFUSE TO COMPLY WITH THE FCRA. ONCE AGAIN I STAND AT A STAND STILL I HAVE NEVER HAD A STUDENT LOAN WITH NAVIENT OR DONE BUSINESS WITH THEM AND FRAUD HAS BEEN COMITTED TO OPEN UP AND ACCOUNT IN MY NAME UNDER MY CREDIT SO REMOVE THE ACCOUNT FROM MY FILE IMMEDIATLEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions 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:
In accordance with the Fair Acting Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that a consumer reporting agency can not furnish an 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 2018-03-10
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out an " Payday Loan '', and I show up to pay off loan, and the customer service representative refuses to take payment. 

ACE Cash Express, Inc. Store # XXXX, the customer service representative refuses to take payment. She stated that the, " Payday Loans '', are passed on too collection agencies, too ruin minorities line of credit, so that they will have to come back to, PAYDAY LOAN COMPANIES, only for business, we make numerous inquiries so that the customers are forced to come back to, PAYDAY LOAN COMPANIES CAN RUIN THE CREDIT! 

Ace Cash Express, Inc. Store # XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX www.acecashexpress.com After calling numerous times, the Ace Cash Express , Inc. to this day refuses to connect, me with the collection agency by United States Mail , to settle this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In XX/XX/XXXX several of my credit card and bank accounts were compromised. In the course of addressing this issue I contacted XXXX XXXX XXXX and reported the identity theft and closed my account.Though I received correspondence the fraudulent charges were revered and the account closed, XXXX XXXX still reported to Transunion and XXXX the account was open and I had past due payments which were incorrect. After numerous phone calls and emails to XXXX XXXX and multiple attempts to dispute the incorrect information to Transunion and XXXX, XXXX XXXX finally closed my account and sent the correct information to my credit report that the account was closed and I was at a 100 % payment history. Just a few days ago now I received a change to my credit report with Transunion stating that once again the XXXX XXXX account is open and I am past due on the payment going back to XXXX of XXXX. I am at the end of my rope and don't know what to do anymore to fix this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: DISCOVER BANK
State: CT
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:
on XXXX I applied for an extension of credit and immediately got denied on my extension of my credit for the DISCOVER SIMPLICITY CARD by DISCOVER. DISCOVER is in Federal Violation under ECOA REGULATION B discouraging me from further applying for extensions of my credit.and has discriminated against me the consumer by denying me my GRANTED RIGHT to credit as described in 15 USC 1602. I have exercised my Granted Right to credit using my credit card as defined under 15 USC 1602 and have been denied via Adverse Action. The Equal Credit Opportunity Act prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or ( good faith exercise of any rights under the Consumer Credit Protection Act ). DISCOVER is also under Federal Violation under TRUTH IN LENDING 15 USC 1691a ( e ) ( f ) which states " ( a ) Activities constituting discrimination -- -- -- It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction -- -- - ( 3 ) because the applicant has in good faith exercised any right under this chapter. -- -- -- -- -- --

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to 15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I demanded this be removed immediately. I have already filed litigation concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Movement Mortgage LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are writing a letter of complaint against Movement Mortgage , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We were to close on our very first home XX/XX/2023. Three days before closing on XX/XX/2023, we were sent an email stating our closing cost was {$4000.00} more than the original closing cost ( because of an error made by the lender XXXX XXXX ), which you will see below incorporated in this email below including the letter we wrote and sent to everyone who had a part in this process. Also, you will see email correspondences relevant to our complaint. 
Attached you will find : CLOSING COST DOCUMENTS, SALES CONTRACT EXTENSION, SALES CONTRACT CANCELLATION, CHANGED CIRCUMSTANCE LETTER. 
n Wed, XX/XX/2023, XXXX XXXX XXXX XXXX XXXX wrote : To All, Unfortunately we will decline these services of purchasing this hud home and the XXXX renovation loan. This has been by far the worst experience we have ever encountered in conducting business of any kind. I know not your rules but the GOVERNMENT IS TOO PETTY. We continued to push forward to make our dream come true. Every time we give what you ask for it was never enough and when it was enough, XXXX XXXX DROPPED THE BALL ON PROCESSING DEPOSITS ON OUR CLOSING COST DETAILS FORM. SHE INQUIRED ABOUT THE EARNEST MONEY ON A VERBAL PHONE CALL, I DID EXPLAIN THAT OUR EARNEST FUNDS WERE {$2000.00}. SHE COULD NOT FIGURE OUT WHY {$6000.00} WAS SHOWING UP AND NEVER DID HER DUE DILIGENCE AND INVESTIGATE. THEREFORE, MY " CHANGED CIRCUMSTANCE LETTER '' INCLUDED THE " TOTAL CLOSING COSTS DETAILS '' CALCULATED CASH TO CLOSE TO BE {$6500.00}. Again, every time you ask for something we comply. Closing day was attentive to be XX/XX/2023 and we called in all of our markers from colleagues and now have our closing cost. 
THEN WE RECEIVED THIS EMAIL : XX/XX/2023 SEE ATTACHMENT FOR THE REST OF THIS EMAIL IN ITS ENTIRETY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Love, Beal & Nixon, P.C.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They brought the debt from XXXX XXXX XXXX, the debt was an old debt that been reporting inaccurate dates to the credit bureau in order to try and beat the law. They reporting the account was open in XXXX, infact the account went delinquent in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 submitted application for a car loan in XX/XX/2017, and now I have like 20 inquiries. This is largely impacting my ability to obtain ANY credit. I did apply for credit and I do understand one inquiry, but please remove all these inquiries. I am trying to get a home loan and this is hindering me.

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 2023-07-03
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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Armcon Corp
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This bill was directly paid to the company, please see the attached cancelled check. This check was cash by XXXX XXXX. this has been disputed before and has not been removed from my credit report XXXX. this is severely damaging my GOOD CREDIT rating. I have attached the cancelled check. Please remove and update my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation