BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I notice some fraudulent inquiries on my credit report that I didn't authorize. Please remove immediately because I'm going through some time sensitive life experiences & I can't move forward because of these inquiries.

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 2021-11-08
Company: EQUIFAX, INC.
State: OR
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX I request for my credit report and after receiving it I saw collections XXXX XXXX asset, medical data system, and XXXX XXXX XXXX XXXX my report I had no idea who they were, so I start sending out letters to Experian XXXX XXXX, and XXXX XXXX On XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX, i sent certified letters and after a week i was getting emails stating that they verified that the account was mine but not once did they send me any document showing where my signature was on any document. I know that they did n't have the proof because the other two agencies took them off and had they prove it to them they would not have remove them as I requested. I was wondering how in less than 5 days that you verified to Experian but not the other two. I also sent a letter to the agency asking for debt validation and have not received anything from them but they continue reporting these items on my report. I have ask Experian who did they verify this with and what document they had with my signature on it and all I get is that it was verified and to send me a copy. If they can complete the investigation within 5 days why have n't gotten the document sent 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 2021-11-08
Company: Experian Information Solutions Inc.
State: AZ
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:
The home located at XXXX XXXX  XXXX XXXX XXXX AZ XXXX, was sold on XX/XX/2021 and the loan balance was paid in full to the mortgage originator XXXX XXXX ( Acct # XXXX ). Deed of release and reconveyance and paid in full letter attached. 

Somehow, the mortgage got transferred to XXXX XXXX  after the sale of the home and XXXX XXXX  has been reporting this account as delinquent ( 120 days past due ). I filed a credit review request with XXXX XXXX  and they sent me the attached letter saying that they can not update my credit report. I have contacted Experian and they say that XXXX XXXX has to report the correction even though I have submitted the documentation showing account closure. 

The mortgage was a joint account ( XXXX XXXX XXXX XXXX XXXX ). Experian removed the account my ( XXXX XXXX ) credit report, but has not removed it from my wife 's ( XXXX XXXX ) 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 non-monetary relief
Consumer complaint received 2022-08-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
RushmoreLM send a late payment to credit reporting agents but I no longer do business with them and owe no payment. After reporting to the credit reports agency they still saying that I owe them money with is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Re-aged information changing and update account to past due account rolling one payment through a total of 18 months. Refusal to provide accuracy of detail to validate debt. Creditor marked account as a repossession when it is current. Recently marked account the account 30days passed due when it is current. Abuse of updating accuracy to credit bureaus. Duplication of fees in the amount of {$300.00}. Recently sent a bill with an extra {$30.00} fee more than what is due on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My first loan that was serviced through Cardinal was loan number XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We refinanced some time around XX/XX/XXXX to our current loan numbered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Both my first and second loans were accompanied by an escrow account to take care of taxes and insurance. I received a letter from my county tax office that my taxes had not been paid towards the end of XX/XX/XXXX and immediately contacted Cardinal. I talked with several people in Cardinals escrow department and they all gave me different answers on how to handle this situation. Answers varied from that I needed to pay them myself and I would be refunded the late fees that were charged, to Cardinal will take care of it but my monthly payment will go up because of this. I waited for several weeks to receive contact from Cardinal on how this issue would be resolved and did not hear anything. I again made calls to talk with representatives and was told to go ahead and pay the taxes on my own. On XX/XX/XXXX I paid off the taxes and the late fees before any additional fees would be added. To pay the taxes and late fees I used money that sits in an interest accruing account that is designated as my family 's emergency fund. On XX/XX/XXXX around XXXX I called Cardinal and this time asked to speak to a manager. She explained to me that the taxes and late fees would have been taken care of if I hadn't asked for my escrow account to be closed. She did slip up and say that the order had been placed and was pending to have the taxes/late fees paid ( which was never made clear to me ) but since the escrow account was requested to be closed they are no longer liable to pay the fees. If the order was in for this to be taken care of and the fees covered why can I not be reimbursed for the late fees that I paid? From the beginning I was given different answers on how to resolve this issue. Having unpaid taxes was not only embarrassing but a nuisance for my family and I. I have seen numerous complaints on the XXXX XXXX XXXX website that this has become a common occurrence. I would like to be reimbursed for the fees that were added to my property taxes. The amount due in XXXX was {$4400.00} and the amount I had to pay was {$4900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
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:
In XX/XX/XXXX I had previously informed the Trans Union that this account that they have been reporting on behalf of their client was opened in direct result of the theft of my identity : XXXX Reported account number XXXX This account is unknown to me and were opened in result of theft of my identity. The opening of this fraudulent account was reported to the FTC in XX/XX/XXXX under affidavit number XXXX after repeated attempts to delete them via Trans Union in XX/XX/XXXX Trans Union are still reporting it today. 

This will be my last attempt in requesting that Trans Union remove this account from my credit file. Since Trans Union insist that they have verified this account which is in conflict with the creditors statement attached. A FULL debt validation was requested and the company has defaulted as I have not received FULL debt validation including all that was listed on the creditor/debt collectors declaration therefore I now insist that they validate this claim as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). Please forward your FULL Validation package to me by US mail or by email in 15 days or delete this entry from my credit file. 

I have requested the removal of this inaccurate information on numerous occasions and Trans Union have failed to remove it, for this reason I request the assistance of the CFPB.

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 2017-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
incorrect amounts on accounts.Accounts over XXXX years still on credit report, inquires wrong incorrect

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 2022-03-30
Company: EQUIFAX, INC.
State: NC
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 account XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XXXX XXXX has been requested to be raised TWICE on the credit card. PayPal Credit has proclaimed an adverse action against myself being the consumer. They have also violated my federal protected consumer rights

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 2017-10-28
Company: AMERICAN EXPRESS COMPANY
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
American Express offered a Delta Gold Card with an  offer for {$150.00} Credit Statement and Free Sky Miles after purchases. When I contacted them today ( just received card ) for confirming the credit offer, they claimed they can not provide the bonus ( es ) since I have had this card before. I told them and include here the Terms and Conditions for the offer which is unclear on the basis for making the offer unavailable : " Welcome bonus offer not available to applicants who have or have had this product. 
If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome bonus offer in any way or that you intend to do so ( for example, if you applied for one or more cards to obtain a welcome bonus offer ( s ) that we did not intend for you ; if you cancel or downgrade your account within 12 months after acquiring it ; or if you cancel or return purchases you made to meet the Threshold Amount ), we may not credit the welcome bonus to, we may freeze the welcome bonus credited to, or we may take away the welcome bonus from your account. We may also cancel this Card account and other Card accounts you may have with us. '' The complaint is that the offer is duplicitous - their offer information is contradictory ( they claim their offer materials on the web site exclude the bonus ( es ) if the card was previously owned. The T & C only discusses withdrawal of offer in the event of " abuse, misuse, or gaming ''. Clearly not the case here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: MD
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:
I happened to check my credit card account on XX/XX/XXXX and noticed a charge from Experian XXXX XXXX XXXX XXXXXXXX of {$26.00} on XX/XX/XXXX, I later noticed this recurring monthly charge of {$26.00} has occurred since XXXX so three times without my knowledge, no emails, letters, calls from Experian confirming any of these charges. I called Experian and spoke to a customer rep XXXX who said it was because I requested my three credit reports which I thought was part of my free annual request on XX/XX/XXXX. Instead, they parlayed that into a monthly recurring 'premiere membership ' again which I did not consent to, did not receive any confirmation purchase email, and setup as a RECURRING MONTHLY PAYMENT! On XX/XX/XXXX I disputed all three charges with my XXXX card, but Experian dishonestly if not fraudulently signed me up for a recurring service, something I'd expect from more nefarious sales companies, but not one of the XXXX major credit reporting agencies, seems like a conflict of interest for them to be selling these services that it appears most people don't want and they don't explicitly explain what it is. It's egregious, dirty thing to do to consumers, and should be illegal.

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 2022-03-30
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:
In accordance with the Fair Credit Reporting Act XXXX XXXXt XXXX XXXX XXXX has violate my rights. 
15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The merchant - XXXX XXXX charged me {$1000.00} twice. I contacted them and they wont return my calls so I contacted BofA to dispute the extra {$1000.00}. They have yet to provide at least a provisional until the matter is resolved. 

The rep told me it could be 90 days before I would receive those funds back.

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 2022-03-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to have my escrow account removed for 45-60 days with Lakeview Loancare Servicing . I started with an email request and never received a response. I then followed with a phone call and received information. I made the necessary payments and never heard anything back and then followed up again on XX/XX/2022. I was told that I needed to submit a written request so I then did that and was told to wait up to 10 days for processing. After 14 days on XX/XX/2022 I followed up because I had not seen an adjustment on my account. I was then told that my escrow account had a balance and needed to be paid. When looking at the transactions on the account I noticed that the servicer magically paid {$8.00} for a hazard insurance payment and then credited the payment back. On XX/XX/2022 I called again and the servicer can not tell me who the payment was made to, for what reason the payment was made, and why I show a {$0.00} escrow balance but they saw I have a balance and therefore are refusing to cancel my escrow. 

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 2022-08-12
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company violated my rights under the Fair Debt Collection Practices Act ( FDCPA- Prohibits collectors from reporting false or embellished information on a consumers credit report ) and Fair Credit Reporting act FCRA ... the did not contact me in reference to the purchase of a bogus debt... 

Thrn used The account that they referred to as the third party ( XXXX ) which was removed earlier this year when they failed to provided the proof of debt required under protest. 

Said debt was charged off the punched by LVNV Funding LLC... with out contacting me and providing said proof of debt... with original signatures as required... if so Please have them provide proof ( mail tracking numbers or registered mail receipts ) .. becuase I have no record of receiving any notice! 
Infact had they reviewed my reports they would have seen that I have a current credit card account with XXXX 

Please remove said derogatories from my credit report with all three buearus immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Went into XXXX XXXX XXXX to get information on a car. I was asked where my credit was on a scale of 1-10. I said 10. The salesman then asked me to put my name, social security number, date of birth and signature on a paper.. I specifically said " Your'e not running my credit, right? '' and he said " No, we go based on what you tell us your credit is at this stage. '' I had n't even been in the office more than 5 minutes! had n't looked at a car, test driven the car, anything. So, eventually I test drove a car, did n't like it. Left. Came home and checked my credit and my credit score dropped XXXX points because of a hard inquiry by XXXX XXXX XXXX. After they explicitly told me they were NOT running my credit they still did! I did n't even try to finance anything!! I have n't had a hard inquiry in YEARS. I never apply for 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 2017-10-26
Company: CITYWORTH MORTGAGE LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed several inquries being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XXXX/XXXX/XXXX, XXXX XXXX submitted a inquiry on XXXX/XXXX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
this goes to a previous complaint filed against Comenity Bank and my XXXX XXXX Credit Card - they have now added INTEREST to a XXXX balance account. For what reason???????????????????????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: FISERV INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
First Data Corporation responded to my complaint number XXXX saying that they have not charged my account since XX/XX/2011, when we stopped the merchant banking services. My business account is still being charged each month {$19.00} + {$79.00} = {$99.00}. XXXX XXXX XXXX informs me that these merchant banking charges are being debited by First Data corporation. The charges after XX/XX/2011 are 10 years 21 months {$99.00} = XXXX XXXX XXXX = {$11000.00}. 

I can send you PDF copies of the bank statements and the correspondence from XXXX XXXX XXXXXXXX that the charges are made by First Data Corporation. Let me know what information you need to resolve this matter.

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