BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I see unauthorized credit hits on my Experian report. 

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 explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My address isn't correct on all three credit reports. I tried to inform them that they still have old address that should be removed. Plus! they still have my old employer information that shouldn't be on 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 2018-08-16
Company: Credit Karma, LLC
State: NY
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 previously had a car loan with XXXX XXXX back in 2014. Since then, the account has been closed. However, according to my credit report the account is still open. 

Although I do not have a loan with rhis company, my mother XXXX XXXX does, but for a different vehicle.. 
As such, I have paid for her loan using my credit cards and assume the errors are from misapplied payments (? ) Regardless, this account is still being showed as active on my credit report and it is NOT nor has been for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
See attachment included below. 

In short, a presentment of tender of payment was made and I did not receive any notice that the presentment was dishonored. I asked for validation of debt, the company did not comply.

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 2021-06-15
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have tried to resolve and verify this debt with Receivables Management System several times, but to no avail they have not responded to my inquires. I have requested a validation of this debt thru certified mail. Most recently, I sent a letter certified mail, postmarked XX/XX/2021. They received my letter on XX/XX/2021 at XXXX XXXX XXXX. Today is XX/XX/2021 and they have failed to comply with my request. This company has never sent any documentation confirming that they are able to collect on said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Fay Servicing, LLC
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: Account status incorrect

Complaint:
I have been trying for almost 2 years now to get the delinquent payments on my mortgage corrected on my credit report ; however, Fay Servicing has still not complied. I have had numerous conversations, but the following dates reflect my request via email : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During the period of XX/XX/XXXX, my loan officially was in modification stage. As such, I am not allowed to make any payments. Once the modification and terms were provided, the Underwriters made a huge error such that my new monthly mortgage amount far exceeded my monthly gross income. This meant they had to go back to underwriting, yet the clock kept ticking. From XX/XX/XXXX to XX/XX/XXXX, while the new modification was being worked on, I was advised not to make a payment, but every month I was marked as being delinquent. The new modification which started in XX/XX/XXXX and ended in XX/XX/XXXX, I made all of the required payments. No payment was required in XXXX, with the first payment under the new terms of the agreement due in XXXX. I have submitted all payments on time, yet Fay refuses to make the changes, driving down my credit score. I have already been turned down for a credit card and this may impact my current search for employment. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to seek your urgent assistance in resolving a persistent issue related to my credit report that I have been experiencing with Experian. 

I previously filed a dispute with Experian regarding certain accounts on my credit report, specifically highlighting the XXXX XXXX XXXX  account. Experian conducted an investigation and provided me with a response letter dated XX/XX/2023, assuring me that a thorough examination had been carried out. 

However, upon my request for re-verification of the accounts, I received another letter from Experian dated XX/XX/2023. In this letter, Experian claims that the disputed account, XXXX XXXX XXXX, is not listed on my credit report. This assertion contradicts their previous letter from XX/XX/2023, where the same disputed account was thoroughly investigated and acknowledged. 

To provide clarity on this matter, Experian attached an extract from my credit report to their letter on XX/XX/2023. This extract highlights the presence of the XXXX XXXX XXXX  account XXXX which seems to appear and disappear mysteriously. Despite the affirmative proof of the account 's existence and verification by the creditor, Experian continues to deny its presence. 

I am reaching out to you as a last resort, armed with evidence of Experian 's inconsistent reporting and violation of credit reporting laws. It is disconcerting that despite my efforts to bring attention to the discrepancies and potential violations, none of my accounts seem to be under proper investigation. 

I kindly request your intervention in addressing this matter and ensuring that Experian conducts a thorough and accurate examination of my credit report. The persistence of this issue is causing significant distress, and I believe your involvement will expedite the resolution process. 

Enclosed with this email, please find copies of the relevant correspondence from Experian, including both the XX/XX/2023, and XX/XX/2023, letters, my recent request to comply, certified receipt of my letter, as well as the credit report extract for your reference. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these credit reporting discrepancies and ensuring that Experian complies with the applicable laws and regulations.

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 2021-10-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy was not filed. Have been trying to get removed off credit reports for several months. Talked to US Bankruptcy court and they mentioned to me that the courts do not verify anything with credit bureau 's. All three credit bureau 's are stating that they are verifying information with the courts which is not accurate. Docket numbers that are listed on credit reports are incorrect. They are falsely stating that they are getting information from the courts or a third party which is incorrect and is violating the fair credit report act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
accordance to the fair credit reporting act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the rights to privacy, 15 U.S.C. 1681 section 604 ( a ) section 2 also states consumer reporting agency can not furnish an account without my wriiten instruction, under 15 U.S.C. 1666 ( b ) a creditor may not treat payment on a credit card under a open and consumer or credit plan as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited {$150.00} into my citi Checking account that was opened XX/XX/XXXX per citi banking app on XX/XX/XXXX via XXXX at the same time a payment of {$35.00} was suppose to go to XXXX but it never got there. I called Citi Bank on Sunday XX/XX/XXXX inquiring on what happened to my money once I saw a NSF fee of {$34.00} hit my account spoke with two different reps when the first one couldn't understand what I was talking about and adsured me there is no missing money I requested a supervisior who informed me that money was infact missing and Citi bank was not paying XXXX. I was told on XX/XX/XXXX by a manager that the missing money would be refunded to me on Monday morning which is a lie for when the money did not hit my account on Monday XX/XX/XXXX morning I called back to Citi Bank who advisded me that the money maybe returned sometime on Monday XX/XX/XXXX but it may also go away since XXXX tried again for pull the funds on XX/XX/XXXX and since the {$35.00} was still missing it too is begining sent back to discover for NSF. Even though manager from XX/XX/XXXX call said I would not get another NSF charge. Now I'm fighting citi bank over {$35.00} they already shorted my account an additional {$1.00} they are theives and should not be trusted. Bottom line of the date and time of this submission I have yet to receive my missing money.

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 2020-10-26
Company: FULTON FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Loan Number : XXXX - XXXX and XXXX XXXX. 

My husband and I obtained a Construction Permanent loan that converted into a Permanent loan earlier this year with Fulton Bank, N.A, XXXX XXXX XXXX, XXXX XXXX, PA XXXX, XXXX. 

I contacted them on their XXXX phone line the first week of XXXX and informed them that I believe that the Escrow/Tax/ and payment information that they are reporting to me on my monthly statement is incorrect. I make large curtailments each month, and I am concerned that in addition to the possible errors with my escrow accounts, the payments are being applied incorrectly. I requested a payment history for the entire year, since the inception of my loan, and also requested that they perform an Escrow Analysis and send these to me within 2 weeks. I am not sure that the gentleman that I spoke with XXXX XXXX XXXX fully understood my request based upon some of the things that he was saying about how a loan amortizes, etc. ; however, he assured me that Fulton Bank would send me the requested documentation. 

Yesterday, we received an Amortization schedule in the mail from Fulton Bank starting with the Payment Date of XX/XX/2020, which is next month. This is obviously not the historical payment history that I requested starting with the inception of my loan, that would provide me with how Fulton Bank has been applying my payments. The document they mailed me is actually a " future payment history '' looking document that includes an additional principal amount of {$200.00} each month being paid, which is very confusing to me, as they have no idea how much additional principal that I plan to pay each month. 

We are concerned that approximately {$2500.00} is missing from our escrows, and that Fulton Bank has misapplied our my payments. The most recent statement that we have received in the mail shows us that we are due for the XXXX payment in the amount of {$0.00} dollars. I have not pre-paid my mortgage.

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 2022-12-13
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX has incorrect and inaccurate information on my consumer report. For instance, they have third part collection companies as verifying information on my report. I've never done any business with XXXX XXXX, XXXX Resolutions investments, and XXXX XXXX XXXX ) as verifying information on my account. I have NEVER done business with any of those companies, neither did I authorized the original creditors to sell my information to these third party companies. I requested validation of debt from those companies over XXXX now, and I am yet to receive the requested information.

Company response to consumer: In progress
Consumer complaint received 2019-03-25
Company: CITIBANK, N.A.
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: Public record information inaccurate

Complaint:
We had a mortgage and came upon financial hard times ( bankruptcy ). We tried several options with the mortgage company. We settled upon a deed in lieu. The mortgage company is reporting to credit bureaus as a foreclosure.

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 2022-12-13
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:
Im submitting a complaint to you today to inform you I was the XXXX XXXX XXXX XXXX I researched on how to remove the fraudulent accounts and infroamtion in my report and found that I need to visit XXXX XXXX XXXX or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts and listed on an XXXX XXXX report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed XXXX {$2000.00} XXXX XXXX  XXXX Balance Owed : {$200.00} XXXX  XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX XXXX  XXXX Balance Owed : {$650.00} Medical XXXX Balance Owed : {$140.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged XXXX XXXX not later than 4 business days after the date of receipt.

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 2022-04-29
Company: SOUTHSTATE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My loan officer from South State Bank has suddenly left or been terminated in the middle of my loan process. My closing date has been postponed from today XX/XX/29 with no rescheduled date. My contract is only binding until XX/XX/XXXX. I have not been given a new closing date and to be honest, if it is not scheduled on or before XX/XX/XXXX I will lose this house for my family because the seller is very unhappy with the delays as am myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: JTM Capital Management, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX XXXX XXXX Contacted my daughter about me, told her they had documents to deliver and they had our address, told my daughter I was high risk and they are coming to get me. I called the company after they harassed and scared my daughter they told me I had to pay {$4800.00} or someone is coming to my house. This is harrasung, unethical and against the law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Online Information Servies ( XXXX XXXX XXXX are stating that I owe them {$750.00} with account # XXXX for a person that lives in TX XXXX I have lived for the last 25 years in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account XXXXXXXX XXXX XXXXXXXX XXXX and account XXXX XXXX, has violated my rights.. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I paid XXXX back on XX/XX/21 towards my outstanding balance and funds have cleared my bank however HSBC is saying I wont be able to utilize the card until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Army and Air Force Exchange Service
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I learned on XXXX XXXX that I would not be receiving a tax refund because of a debt I owed to AAFES. I have never opened any kind of credit at any military store. However, back in XXXX, my spouse attained credit and had one in my name, which he got without my knowledge or approval. It seems to be a very easy process for soldiers to get this credit with little background or steps to protect the person who name is on the card. I find this very unfair. No one should be able to get a card or credit without a signature or some kind of identification. Im not sure when he got this credit, but the collection people said that it was sent to them in XXXX. This is the second time they have given him a card in my name. He has charged over XXXX dollars on this particular card. I am tired of him getting away with identity theft. We are seperated and he is using my info. which of course he knowes by heart after being married for 30 years. But for these malice actions, our marriage is about to come to an end, but in the mean time, im trying to put an end to him trying to destroy my credit. I refuse to pay this debt. Im sorry, but its not fair to me. This account was opened without my knowledge, and should be closed immediately. I will never open a line of credit with AAfes or any other Exchange.

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 2021-05-05
Company: Experian Information Solutions Inc.
State: PA
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 HAVE A XXXX ACCOUNT APPEARING ON MY CREDIT REPORT THAT I THINK IS LINKED TO MY IDENTITY THEFT CASE FILED BACK IN 2019

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