BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-09
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:
Experian did not have permissible permission to access my credit report on XX/XX/XXXX. After 4 years, Experian continues to label my complaints as duplicate or passes the buck by stating " we contacted the data furnisher ( s ) or public record ( s ) vendors and asked them to verify the accuracy of the information with which you disagree. They responded and stated that the account is to remain as is. The result summary was sent to you on XX/XX/XXXX for review. '' This is not true. I have yet to receive the permission for Experian to give 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 2023-11-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The company reinserted previously deleted information under FCRA 605b due to identity theft The reinsertion of these accounts violates the FCRA Section 605B, which prohibits the re-reporting of information that has been previously deleted based on the expiration of the reporting period. 
The reinserted accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They also have incorrect names and addresses. 
Pursuant to 15 U.S. Code 1681e ( b ) they need to remove the names and addresses. 
My name should show as XXXX XXXX XXXX, XXXX and address as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX and Experian is reporting a bankruptcy on my consumer report and they have put in the data furnisher as being The US Bankruptcy XXXX XXXX XXXX, which is false. I have attached a letter from the US Bankruptcy XXXX of XXXX verifying and stating that they do not furnish information over to the credit bureaus or any 3rd party companies. XXXX and Experian is falsey stating this information on my consumer report and have yet to remove this from my consumer 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 2021-12-09
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Makes Cents, Inc. dba Advance.Cash
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Spoke with XXXX XXXX from location services this morning at XXXX XXXX  and confirmed identity. XXXX proceeded to phone my mother and call and leave a message for my brother after the phone call to me. Both reference legal proceedings and XXXX county courthouse. My mother and brother contacted me worried about what is going on. After calling the court house and checking the dockets there is nothing with the court and the sheriff perfects service. I spoke with XXXX at XXXX, the company phone number the provided me with, and told them three times to stop contacting my family. XXXX  refuses to acknowledge this is on behalf of them. I dont know what more to do. They need to leave my family out of this and stop lying about court proceedings and documents that were filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
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: Account information incorrect

Complaint:
XXXX 's XXXX XXXX Account was paid in full over 90 days ago and is still showing a balance due of {$260.00} on the XXXX 's web site. This is also being reported incorrectly to Transunion and 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 2022-09-15
Company: EQUIFAX, INC.
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:
Greetings, I have discovered a delinquent payment on all major credit reports. I have attempted multiple times to have this corrected by contacting my student loan servicer. Those attempts were unsuccessful. 

I am disputing student loan data that shows " 90 DAYS '' late for XX/XX/2019. 

My credit report currently shows the following : - XX/XX/2019 " 90 DAYS '' Current, was past due 90 days - The same credit report shows payments from XXXX, XXXX, XXXX, XXXX, and XXXX as " PAID. '' - How can I receive a " 90 DAY '' late mark when the previous months all say paid? 

- Finally, I requested proof of payment history from XXXX, and the data received shows no detailed history to clarify the data above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I made a XXXX payment to capital on bank for a credit card on XX/XX/2021 to cover XXXX months of payment for XXXX and XXXX and they said i missed a payment when it was did XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Greetings, I have discovered a delinquent payment on all major credit reports. I have attempted multiple times to have this corrected by contacting my student loan servicer. Those attempts were unsuccessful. 

I am disputing student loan data that shows " 90 DAYS '' late for XX/XX/2019. 

My credit report currently shows the following : - XX/XX/2019 " 90 DAYS '' Current, was past due 90 days - The same credit report shows payments from XXXX, XXXX, XXXX, XXXX, and XXXX as " PAID. '' - How can I receive a " 90 DAY '' late mark when the previous months all say paid? 

- Finally, I requested proof of payment history from XXXX, and the data received shows no detailed history to clarify the data above.

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 2023-07-18
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX I asked Chime to mail a check to XXXX for XXXX to cover health insurance. On XXXX I received an email from. Chime advising the check was cashed by XXXX. 

The following week XXXX advised that payment was not received. I began contacting Chime then asking then to provide a copy of draft or whatever information I needed to give XXXX so they could locate my payment. 

I have a request open with Chime since XXXX. If they can't prove check was cashed I think they should refund my money. I'm XXXX XXXX XXXX and on a fixed income so this is a lot of money to me. Thank you in advance for your assistance. 

Sincerely XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Stearns Ventures, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I switched Home Insurance Companies at the renewal period last month going from a XXXX   annual amount to XXXX and Stearns sent out the payment. I got my annual Escrow Statement and for some reason it's stating that my Escrow account is short/negative for next years payments. I look at the details and it shows the XXXX deduction twice giving me a negative balance. Then they adjusted my payments for next year from XXXX to XXXX to compensate for the shortage. I called yesterday XXXX and spoke to a rep who I had to explain numerous times how to calculate that the math is not adding up. She advised me that the payment was sent twice but only deducted from my escrow balance once. This is not true and you can clearly see that statement is not accurate on the document provided. After putting me on hold several times and an hour later, she advised me that my balance had been recalculated and that it is currently at positive XXXX which is an accurate calculation based on my math. However, my payments are still to be XXXX for next year... this would cause me to pay a large amount back into escrow causing for a large known overage to be reimbursed next year. This is not okay and since they have adjusted the escrow balance the payment should not still be reflecting the previously advised amount based on escrow shortage.

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 2021-04-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
USAA Credit Card and Debit missing information Reported USAA check from XXXX XXXX on hold for XXXX XXXX  Fraudulent documentation Fraudulent representation Scam Missing statements XX/XX/XXXX-Current Checking-Credit card is missing statements. 

Account closure notification No vehicle ownership/discontinued ALL insurance policies end of XXXX first of XXXX. Impersonating representatives. 

Denied Auto Claim XX/XX/XXXX ACH debit from preXXXX debit card NSF FEE errors Old numbers surfaced from inactive cards Accounts in use XX/XX/XXXX. XXXX ceased but not closed mid XX/XX/XXXX. Fraudulent Representatives wouldnt close them. 

Account closed notification ; no access to information online Stolen cards from XXXX XXXX accounts XXXX External inquiry for use of this account XXXX XXXX and 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
There are hard inquiries that are not mine. This was likely due to the XXXX inquiry issue or the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/23 we sent a check to XXXX XXXX for payment of cars for {$74000.00}. That check was fraudulently cashed by a company and I do not have that $ $ back in my account. I sent a replacement check to XXXX XXXX on or about XX/XX/23 and that check was also fraudulently changed to a different payee and cashed by a XXXX XXXX. We realized this check was fraud and contacted our bank representative XXXX and customer service immediately. We were told they would issue a stop payment on this check and assured us this check would not be cashed and there was nothing additional we needed to do on our side. The next day this check cleared our account as Bank of America issued a stop payment on the wrong check. We were told by Bank of America that now we need to file a fraud claim on this check and it wound take up to 90 business days to get our $ back in our 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 2022-12-13
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:
I am a natural person, i am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed bellow be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts : 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2016 opened a collection. 
Account # XXXX XXXX $ that I owe I have never signed any document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also they have not verified that I owe this debt to this alledged company. 
Please have this removed from all three credit bureaus XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: MD
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 have never given my consent and feel that Im a victim of identity theft from the following companies : XXXX, XXXX, and Experian. I ask that these situations be resolved.

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 2019-12-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX.  I am completing this complaint with the assistance of my attorney, XXXX XXXX XXXX  

I purchased a home located at XXXX XXXX XXXX XXXX XXXX, NY XXXX, which sale closed on XX/XX/2019.  In the loan application process, the mortgage broker for Citizen's Bank, XXXX XXXX, provided me with three or four different Closing Disclosure forms.  The Closing Disclosure that he said was accurate and would determine my monthly payment listed the monthly payment as $XXXX. 

In the first week of XX/XX/2019, I received a notice from Citizen's dated XX/XX/2019, which stated that my escrow balance was short $XXXX, and that I had to pay that amount.  Additionally, the notice stated that my new monthly payment would be $XXXX if I paid the $XXXX, and $XXXX   if I did not.  The payment was due on XX/XX/2019.  I could not make that payment, but have continued to pay the $XXXX per month that I was obligated to make pursuant to my loan agreement.

I reviewed the Closing Disclosure with my attorney.  We discovered that in the Closing Disclosure, the taxes were intentionally understated.  In looking at previous Closing Disclosures that the broker had prepared, the taxes on those changed, but were accurate on the highest disclosure.  It seems clear that the broker intentionally misrepresented the true taxes so that I would be approved for the loan.  My attorney advised me that this is a violation of the Truth in Lending Act.  He also suggested that I attempt to resolve this with Citizen's first, then contact this agency if the Bank would not assist me.  Citizen's would not, so I am filing this complaint with the hopes that I will not have to sue the Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: CA
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:
Experian is reporting XXXX  XXXX XXXX account as on time in XX/XX/2019, then in XX/XX/2019 they are reporting 90 day late. How is it possible to go from paying on time one month and then the next month being 90 days late. Experian has been reporting inaccurate information for the last 12 months.

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 2021-03-09
Company: BANCO POPULAR DE PUERTO RICO
State: PR
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:
ACCOUNT HAS NOT BEEN VERIFIED WITHIN 30 DAYS

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 2023-06-20
Company: Experian Information Solutions 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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called Discover card on XX/XX/19 about a late fee. The rep waved the XXXX dollar fee. She told me my I owed {$140.00} dollars, I paid the XXXX with that representative. Today, XX/XX/19, I got a bill with the about of XXXX and a late fee. I called again and was told by the supervisor that the representative made a mistake I should have paid the full XXXX. I asked him to have that all waved and he said he couldn't do that. He put me through another supervisor who told my I would have to pay XXXX dollars today and she would remove the rest of the fees. I do not have the extra money to pay that due to my many health issues. if I paid that, I would t eat, get meds, or go to the doctor. They are fraudulently charging people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
There are hard inquiries that are not mine. This was likely due to the Transunion inquiry issue or the XXXX data breach.

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