BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX fraud resulted into a hard inquiry on my Equifax report. I disputed the fraud with XXXX and they have cancelled the account. 

I went to Equifax 's website to submit a dispute for the hard inquiry. When submitting a dispute for the hard inquiry, it does not allow attachment of documents ( skips from Step 1 to Step 3 when you click proceed ). The inquiry is then automatically rejected because no  documents have been attached to the online dispute. No effort is made to contact the original company who made the inquiry or the consumer who submitted the complaint. 

Additionally, when the dispute is rejected, users are provided with a Customer Service Number to contact ( XXXX ). This number is an automated system for ordering credit reports and does not allow the user to reach a customer service representative. 

While documents can be submitted online for disputes, documents for a hard inquiry can not be submitted via methods other than mail or fax. 

I view the combination of these items above as Unfair, Deceptive, and Abusive act towards it's customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
Company: EQUIFAX, INC.
State: IA
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:
Ive submitted several disputes about unverified accounts on my credit report theyve sent no proof that the accounts were mine. Ive sent several disputes to XXXX on these accounts and theyve never sent me any proof they were mine. There are also unverified late payments on an account that theyve sent no proof of me ever being late. Theyre in violation of the FCRA. Accounts in question : XXXX XXXX XXXX  ( there are three of them ) Late payments : XXXX XXXX XXXX XXXX. You guys recently said that this dispute was fraudulent so Im providing my photo ID to prevent any further confusion. I will expect a thorough investigation into these matters as there hasnt been a fair process beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, 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:
XXXX  is an inquiry that is reporting on my account that I did not authorize and is fraud. I contacted EQUIFAX multiple times to report as fraud. I called XXXX and they said this is not a INQUIRY from their company and is falsely reporting on my credit report. I also submitted a fraud alert on Identitytheft.org to no avail. This INQUIRY from XXXX is fraudenlent and should be removed from my EQUIFAX credit report. No one knows where this fraudenlent INQUIRY stems from or can validate where it came from? PLEASE DELETE this inaccurate information from my credit report. The INQUIRY date reported is XX/XX/2022. The type of INQUIRY is XXXX XXXX XXXX XXXXXXXX. There is also no phone number provided. During the dispute process EQUIFAX provided me the phone number for this INQUIRY and I called XXXX and they said this is not there INQUIRY and they did not authorize this INQUIRY. I don't even have a XXXX account. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter from American Express stating that a payment had been returned on XX/XX/XXXX, and I had several easy and free ways to pay. I then received a second letter on XX/XX/XXXX, stating that AMEX canceled both of my accounts just 48 hours later. 

I was of course appalled by the fact that I had not even received the aforementioned notice of the friendly letter when American Express closed my account just 48 hours later since neither letter reached my home as both letters were literally in the mail at the very same time. I of course called American Express to resolve the matter and no one could tell me what happened. 

Then on XX/XX/XXXX, I received a letter stating that my request to be reinstated, based on those calls was denied. 

Since all of this happened over the holiday weekend my bank notified me outside of AMEX and I immediately re sent the payment which was paid before either Amex letter was received at my home. 

From what I could gather I had made a large deposit and the bank had put a hold on part of it and it was just a coincidence that the American Express payment was held up on the XXXX and others went through. 

My purpose for filing this complaint is to make sure this never happens to anyone else. 

I believe that I should have never been canceled. I believe that the added interest that I had to pay was not due to any fault of my own due to what I belie to be the wrongful termination by American Express. 

I have sent two letters. One on XX/XX/XXXX and a second on XX/XX/XXXX. The second letter was sent certified as when I followed up on the first letter the representative said there was no letter in their file. 

As of this complaint I have not been advised by Amex as to why there was only 48 hours between the returned payment letter and the termination letter. As of this complaint I have not been notified how I could have corrected the payment before either letter was received and the account was still terminated on the XXXX of XXXX. 

At the time of this issue I had been an American Express customer since XXXX and am very disappointed as to how this account was handled. 

Since the termination I have been compliant in paying off the entire balance of all my AMEX accounts. 

Most insulting is that I currently receive American Express Credit Card offers all the time due to my outstanding credit rating. 

In my opinion Amex violated their offer to cure the payment issue based on only providing me with 48 hours between letters to cure vs terminate that no reasonable creditor would expect to arrive at my home. Again, I called well before that and AMEX again failed to cure the issue. 

Before making this complaint I have sent two letters requesting re instatement with no reply. 


Thank you in advance for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX insisted on placing lender flood insurance at a premium in excess of {$7000.00} ( I have my own private flood insurance policy with them named as mortgagee ) on the excuse that I was not able to purchase an amount equivalent to the mortgage balance. ( In reality, it clearly states on the policy that the coverage doesn't apply to 2nd floor property which mine is! ) So in XXXX I mailed them {$120000.00} to reduce the principal to below my private flood coverage. They did not cancel their flood insurance and continued to charge my escrow. I decided to pay off the mortgage and on XX/XX/XXXX, after calling for a payoff amount, I send a check for {$110000.00} and a letter of my intent to pay off the mortgage. In XXXX I spent over an hour on the phone trying to find out why it was not applied properly and to be sure that they cancel the unnecessary flood insurance only to be transferred numerous times and then be disconnected - never got a call back. It appears by their statements that they have deposited my payoff check and are continuing to charge me interest and taking the monthly payment out of that money rather than satisfying the loan. To add insult to injury, I received an email saying I had not paid the payment for 2 months! I pray that they have not reported lates to the credit bureaus. And then, I received a notice from my fire insurance company that they had failed to pay the renewal and the coverage had lapsed on XX/XX/XXXX! On XX/XX/XXXX I wrote to them on their website and I sent an email demanding that they resolve the problem, cancel the excess flood ins back to the day that they posted the first check, send me a satisfaction of mortgage document and refund all that they have overcharged. To date I have not received so much as a phone call or email.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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: Personal information incorrect

Complaint:
The following information listed below is inaccurate and I am requesting all three credit reporting bureaus to Delete the inaccurate information below. 
PREVIOUS ADDRESSES : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX : XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2022-02-05
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:
The following inquiries ( also found in the attached documents ) as reported on the Transunion credit report were made without my consent or authorization. I am demanding the immediate removal of ALL inquiries on my credit report that include : Account Review Inquiries Promotional Inquiries Regular Inquiries 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  It is a fact, I, a natural person and Consumer, must be given a chance to direct whether I want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX XXXX. I, the consumer was not given the chance to opt-out of having this reported information not to be reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed immediately.

It is a fact, I, a natural person and Consumer, have reason to believe and do so believe, that this inquiry is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Remove ALL inquiries on my credit report that including but are not limited to : Account Review Inquiries Promotional Inquiries Regular 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 explanation
Consumer complaint received 2023-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
According to 15 USC 1681 E ( B ). I am entitled to an accurate consumer report. I have disputed these accounts numerous of time and they return as verified. Now, In the State of Georgia the Statute of limitations on a written contract in the State of Georgia is 6 years. This account must be removed off my consumer report immediately. Capital One Allegedly {$4700.00} high balance. XXXX XXXX owed XXXX. This account must be Deleted immediately. I will file for remedy for reporting inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: MONEY SOURCE, INC., THE
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sent my mortgage company an email asking them to send me a written explanation of there second escrow bill. They did not want to respond to me by email and told me to call. My issue is I received an escrow bill in XXXX for {$6400.00}. After I had issues with the bank applying my escrow payment I made a complaint here with you. Finally mid XXXX I got my escrow lowered. However, XXXX  sent me anew escrow shortage bill and it does not add up to what they initially sent in XXXX. To explain I sent a shortage payment in XXXX of XXXX but was charged the full XXXX Mortgage payment in XXXX which covered the escrow shortage of XXXX which equaled a total payment to my escrow of {$6300.00} leaving a balance of XXXX. With that said the bank sent me a new escrow shortage bill of XXXX. Not only did they increase the shortage but the statement shows an increase from the initial statement in XXXX for the escrow/ impound. The first statement show the escrow/impound at XXXX and now on the new statement it shows it at XXXX. I dont understand why the numbers changed and now Im paying more then was stated in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Had a car loan taken in my name when I was Married Car was going to be her responsibility when we went to court later found car had been repo. Back in 2016 Ive asked for it to be taken off my report. Plus with the age it should be anyways. And there marking missed payments even tho its been since 2016 since payments been made and since XXXX when I bought it. Never got papers from this company to saying I could buy it back and thats against the law never got papers showing what the car actually sold for to and thats against the law. It needs to be removed from my report. Plus the missed payments needs to be removed from being on there every month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On XX/XX/2022 I received a credit monitoring alert from XXXX XXXX that, there were inquires made on my credit report. Upon checking my credit report, there were 3 credit card related inquires made. I called the banks that were involved to have those cards/accounts disabled. The credit bureau informed me that a formal complain is needed to have those queries removed from my credit report. 

These were the inquires made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion

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 2022-02-05
Company: Experian Information Solutions Inc.
State: TN
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 did not give any written instructions nor did I authorize any of these inquiries. The reporting of these inquiries are a violation of 15 USC 1681b ( c ) ( 3 ). The following shall be removed immediately. 

XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Used Inquiry date : XX/XX/XXXX XXXX FXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, New Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX- non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/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 non-monetary relief
Consumer complaint received 2021-02-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a 12 month interest free store credit card through XXXX XXXXXXXX XXXX on XX/XX/XXXX to purchase a pair of diamond earrings. I received the earrings however I'm getting charged a very high interest rate. Payments are made through Synchrony Bank. I spent over an hour on the phone XX/XX/XXXX with both XXXX XXXX and Synchrony and neither resolved the issue. Synchrony said they'd open a ticket to notify XXXX XXXX to update my account with the interest free promotion. 

XX/XX/XXXX I get a call from stating that XXXX XXXX is denying that I even have an account with them and not honoring the interest rate!!! How do I not have an account when I have the card right in front of me?! I have my receipt of the earrings as well even stating my promotional interest rate!!

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 2023-08-14
Company: Experian Information Solutions Inc.
State: RI
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:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2022-02-05
Company: Experian Information Solutions 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:
The XXXX  account on my fervor has nothing to do with me. I've never submitted or recieved anything from them. The address on file has never been associated with me. It is actually a business address. I tried to dispute this with experience twice but they keep kicking it back with no answer at all. This account is clearly fraud and experiencing will not do their due diligence.

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