BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-16
Company: CCI Financial, Inc
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a balance owed with this company ( the Collections department. ) They repeatedly call with no one on the other line when I answer. They also call and do not leave messages, and then email me that they were unable to reach me by phone. I have emailed them to set up payment arrangements but told them in the email not to call me before XXXX because I am working during that time, and that email is the preferred method of contact to reach me. Even after that email sent XX/XX/2018, I have received two more calls since, where no one was on the other line when I picked up. This is very disruptive and harassing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have looked over my credit report and I see several addresses I do not live at listed on my report. the following address are not mine and need to be removed. My Name is XXXX XXXX. XXXX XXXX, My employer is XXXX XXXX XXXX XXXX the following address are not mine please delete XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, CA 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 2021-11-27
Company: MAJR Financial Corp
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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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: Information belongs to someone else

Complaint:
FTC report # XXXX Police report-per FTC it is OPTIONAL My name is XXXX XXXX These accounts need to be DELETED from my consumer reports and I need a copy of clean reports once removed. The credit reporting agencies are taking their time to remove ( been going back and forth with them for XXXX months now ). A few of them have removed some, but the fact that these account still remain is clueless to me as to why havent been removed when FTC report was included per the CRA 's request. 

Again, I need these accounts listed below including inquiries attached DELETED asap. My FTC reports # is also listed at top of paragraph XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have not received my full credit report with score and would like my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-10-22
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020, I closed the mortgage with AmeriHome. XXXX XXXX   company disbursed the outstanding loan amount to AmeriHome as documented on XX/XX/2020 in two transfers as the total amount is more than {$200000.00}. AmeriHome received {$200000.00} as per their online statement. 2nd transfer of XXXX was not credited to the my mortgage account at the same date for some unknown reason. On XX/XX/XXXX, my bank account is debited for the monthly mortgage amount of {$3300.00}. I had opted for automated payment with AmeriHome. Since the mortgage was closed, i was not expecting a automated withdrawal from my bank. I contacted AmeriHome and they did not  know about the closing. I contacted XXXX and the new Mortgage Company to rectify the issue. They contacted AmeriHome. Later XXXX  company informed me that AmeriHome made a mistake and it is rectified and escrow and remaining amount will be credited or sent to me within 7 days. This  all occurred on XX/XX/2020. Today is XX/XX/2020 and I did not receive any check from AmeriHome as of today. Checked with them and they are saying that it would take 30 days even though their website/automated phone says within 20 days, escrow will be disbursed. For me it is 41 days as of today since mortgage is closed. Even with the mistake they made, they don't show any urgency to disburse the amount due to me, which is around $  XXXX. I'm not sure whether they charged any interest for the mortgage from XX/XX/XXXX to XX/XX/XXXX, which I'd like to get refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
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:
PLEASE INFORM ME TO THE REASON/S WHY THE XXXX XXXX FROM THE YEAR 2006 ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT. AFTER SEVERAL TIMES AT ATTEMPTING TO REMOVE THIS ACCOUNT COMPLETELY FROM CURRENT CREDIT REPORT. YOU HAVE NO IDEA HOW BAD THIS IS AFFECTING THE OVER-ALL HEALTH OF MY CREDIT SCORES. WITH DREAMS AND GOALS THAT I WANT TO ACHIEVE, ALL THE BAD REMARKS ARE REALLY PUTTING A FREEZE ON MY LIFE. WHY IS THIS ACCOUNT STILL REPORTING? NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY.

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 2018-08-01
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I've been a cardholder at U.S. Bank for at least five years. In those five years I've maintained perfect payment history. Early last year my 0 % promotions periods ended and my interest rates surged to 24-26 %. Despite changing careers, being forced to take a pay cut, and moving in with family to be able to continue making my credit card payments on time, I've tried asking various representatives and managers to lower my interest rates ... .but they've been extremely unhelpful in the following ways : 1 ) The representatives/managers mislead the consumer by stating they will look to see if there are promotions for lower interest rates, knowing that there are none ... ever ; 2 ) Depending on who you talk to, they misinform the consumer about credit hardship programs. For example, one representative told me earlier this year that the hardship department would talk to me if I was only one- to two days late making a payment. Yet when I tried doing that, I was charged a late fee and was basically told my account wasn't late enough, and that it would have to be in collections in order for them to work with me. I demanded a refund of the late fees due to their misinformation, which they granted. But then I was told by another manager that since most of my credit card accounts are closed, I'm locked in at that ridiculous rate and there are no promotions to lower my interest rate on the remaining open card ; and 3 ) U.S. Bank representatives/managers say the ONLY hope at a lower interest rate is to contact Consumer Credit Counseling. U.S. Bank is the ONLY credit card company that does not offer a hardship program to consumers struggling to make on-time payments. I negotiated lower interest rates and fair payment plans with XXXX XXXX, XXXX, XXXX, and XXXX.

To add a cherry to the sundae, tonight ( XX/XX/18 at about XXXX XXXX. PST ) I spoke with an abusive upper level manager, ( XXXX, ID no. XXXX  ). He called me irresponsible, leveled all sorts of accusations towards me about my " lifestyle decisions, '' made judgments about me racking up debt when I simply tried to explain to him that I changed careers and had to take a pay cut, thereby having to use credit cards to live on to make up for the loss. I've since closed out those cards so I could make efforts to pay them off. He could see my accounts ... that they were closed, yet continued to be abusive, condescending and degrading.

I'm in the process of interviewing attorneys to help me further escalate this complaint, and am reaching out to your agency as well for a fair resolution.

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 2017-12-15
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 received a collection letter in the amount of XXXX from XXXX XXXX XXXX. I called XXXX XXXX XXXX and they referred me to XXXX. I spoke to XXXX and sent them the supporting documentation via email @ XXXX and postal mail to XXXX XXXX XXXX XXXX with no response. I then pulled a copy of my credit report and they sent my collection to another XXXX XXXX XXXX XXXX XXXX who has yet to contact me or respond to my supporting documentation. 

The account reported in the amount o f {$530.00} as of XXXX/XXXX/XXXX is NOT MINE. I did not sign the contract. The renter signed the contract and is responsible for the account. Please see the attached lease agreement that also matches the XXXX contract name and contact phone number. 

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 2018-07-16
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Re : AUTO PAY wrong info given by Rep on XX/XX/2018 - called placed to Navient at XXXX XXXX  ( Central Standard Time ) First of all my payment are due on the XXXX of each month to Navient. 

On XX/XX/18, I setup auto pay on their site. Finally, I got a emailed approving request on XX/XX/2018 saying that it would start in XXXX. ( Receiving this on XX/XX/2018 is not TIMELY ) XX/XX/2018, I called Navient @ XXXX XXXX  and spoke to a rep informing him that I did not see where my payment was set for auto pay on XX/XX/2018. The rep assured me that it was set to be auto deducted on XX/XX/2018 - Well, it wasn't! Instead I got email from them on XX/XX/2018 asking me to log in and check my account. When I logged in XX/XX/2018, I found big bright red writing telling me that I had missed a payment and that I could be charged a late fee. So, while I was on the site I went ahead and submitted a pay for {$140.00} for XX/XX/XXXX. If the rep had known what he was talking about on XX/XX/2018, I could have submitted my payment then! 

I signed up for auto pay because they tell customers you can get a 0.25 % reduction interest rate - My payment went up {$5.00}. It is now scheduled for auto pay for {$150.00}. 

on XX/XX/2018 at XXXX XXXX, I sent a email to : XXXX telling them the same thing that I am telling CFPB. 

on XX/XX/2018 @ XXXX XXXX, I called Navient and spoke to XXXX, employee ID XXXX, I told her about me calling Navient and speaking to rep on XX/XX/2018 and asking him about auto pay for XX/XX/2018 because I did not see it on their website. He assured me it would be deducted on XX/XX/2018. I also told her I was concerned about late fees and reporting to credit bureau. XXXX said no late fees would be charged and that Navient only report to credit bureaus if payments are 90 days late - Well, after the experience with the rep on XX/XX/2018, I don't believe it - my confidence in Navient CS is zilch!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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:
Card is not mine, I never applied for it. Card belongs to spouse and are currently separated. I would like proof on where I applied and signed for that card.

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 2020-05-29
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im getting accused and charge a fee for something I have no control over its has really been a struggle and stressful. I cant afford to pay the XXXX to get off my credit. I have been trying get this deleted off my credit for 2 years now. I have tried to dispute and it keep getting denied. Im a single mother of XXXX  I cant get a decent place to live because of this false debt that Im getting accused of please help me Im desperately need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: VA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
* There is no balance *NO CONTRACT* because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.

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 2019-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I placed a hold on my TransUnion credit report. I did not unfreeze my report. On XX/XX/XXXX, two new hard inquiries hit my account ( as reported to me by XXXX, a TransUnion product associated with my XXXX account ) which lowered my credit score by 51 points.

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 2020-01-29
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello The debt is not mine, We cancelled the therapy and asked for a refund. Please see note. I am not responsible for this debt. The father was responsible through a court order. I don't owe this bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: OH
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:
Attention Consumer Protection : this is what I Mean by Fraud! 
Here are some more inquires that this EXPERIAN bureau refuses to remove. 
I DEMAND THEY BE REMOVED IMMEDIATELY! 
I WOULD NEVER AND I MEAN NEVER APPLY FOR ANY CREDIT WITH XXXX XXXX XXXX HERES WHY. 
I AUTOMATICALLY WOULD KNOW THAT I WOULD BE TURNED DOWN BECAUSE I AM A XXXX XXXX XXXX. XXXX  XXXX XXXX DOES NOT DO ANY BUSINESS WITH XXXX XXXX  UNLESS YOUR CREDIT SCORE IS 700 OR HIGHER OK THIS IS HOW I KNOW FOR SURE I HAVE NEVER APPLIED FOR ANY CREDIT WITH THIS XXXX COMPANY! EVERYBODY XXXX XXXX  KNOW THIS ABOUT XXXX  XXXX XXXX! PLEASE REMOVE! THISIS THE KIND OF XXXX THAT KEEPS ME FURIOUS WITH YOU PEOPLE WHEN YOU ALLOW THIS KIND OF XXXX TO KEEP HAPPENING TO HARD WORKING INNOCENT PEOPLE WHO ARE TRYING REALLY REALLY REALLY XXXX  HARD TO GET THEIR LIVES STRAIGHTEN OUTNO ONE HAS TIME FOR THESE KINDS OF FRADULENT CONCEPTIONS. THE SAD PART IS ITS  YOUR AGENCYS XXXX  JOB TO PROTECT US CONSUMERS FROM THIS XXXX! DO YOU XXXX  JOBS! 
CREDIT ACCEPTANCE? U HAVE GOT TO BE KIDDING ME? I WOULD NEVER FREQUENT THESE PEOPLE EVER! THESE PEOPLE FINANCE CARS FOR XXXX XXXX  XXXX? NEVER BEEN ON XXXX   XXXX  CAR LOTS PRIOD! PLEASE REMOVE NOW! SEE WHAT I MEAN.!! 
XXXX  XXXX???? 
4 XXXX XXXX TIMES? HOW MANY CAR LOANS DO I NEED? NEVER APPLIED! 
AS YOU CAN SEE, I AM FINANCE THROUGH XXXX  XXXX  XXXX  AND THAT IS THE ONLY FINANCE COMPANY I APPLIED TO AND XXXX XXXX GET THIS XXXX OFF OF MY REPORT. MAKE THEM XXXX XXXX PEOPLE WHO OPERATE THIS SCAM XXXX CREDIT BUREAU GET THIS XXXX OFF OF MY REPORT! THIS WHAT I MEAN BY RUING PEOPLE WITH THESE LYING XXXX   INQUIRIES!! THESE COMPANIES MUST GET PAID TO STEAL YOUR SOCIAL SECURITY NUMBER, MAKE UP A LIST, PLACE THIS XXXX  ON YOUR CREDIT REPORTSIS THIS WHAT FRAUDULENT CREDITORS DO? THEY DO GET PAID FOR LISTING FAKE INFO LYING ON INNOCENT CONSUMERS REPORTS THAT NEVER EVEN CAME TO APPLY FOR CREDIT FROM THEIR BUSINESSES? 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 2022-12-14
Company: EQUIFAX, INC.
State: MD
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:
FCRA Violation : address and names not mine XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA Violation '' auto loan not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX FCRA Violation : other loan not mine XXXX XXXXXXXX XXXX Violation accounts not mine remove from account.

Company response to consumer: Closed with explanation