BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
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 is missing that should be on the report

Complaint:
Companies XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance of the Federal Credit Reporting Act this creditor 's has violated my rights. 
Under 15 USC 1681 SECTION 602 state 's I have a right to privacy. and under 15 USC 1681 section 604a section 2 state 's that a consumer reporting agency can not furnish an account without my written instruction 's.

Under 15 USC 1666b state 's. A creditor may not treat a payment on a credit card under and open a consumer credit plan as late for any purpose.

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 2021-04-28
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I have reached out to Receivable Performance several times to remove this collection account. Neither time was this company able to validate it but the account remains on my credit report. When I asked for a signed contract that is required, they were unable to provide it. They have only sent me a bill. This is not what I asked for and does not validate anything. Please have this issue resolved. If a signed contract can not be provided the debt must be removed immediatley.

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 2020-11-28
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting to remove the fraud alert on my Credit report. I've sent mail about it but I haven't got any response yet from the credit bureaus. Please help me. Thank you!

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 2023-02-01
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
For several months, I have repeatedly asked XXXX XXXX XXXX XXXX XXXX, XXXX and Experian to objectively resolve my credit issues relative to the hard inquiries which shouldve been reported as promotional or soft inquiries. I have reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX and XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.

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 2019-09-14
Company: U.S. BANCORP
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a credit card from Elan Services which is valid till XX/XX/XXXX, they made two new " Hard Inquiry '' on my credit report on XX/XX/2019 without my authorization. I also have a supplement card for my son, they have made a similar hard inquiry on his credit report too without his consent. 

I what to report this and also what this company to remove the Hard Inquiry. 

Elan Financi XXXX, MN 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 2019-10-29
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: Account status incorrect

Complaint:
Experian is currently reporting XXXX  XXXX and XXXX  as verified and updated. While account is reporting as a reaged account. The opening date of XX/XX/2019 is not only inaccurate but also a violation.

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 2018-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After 10+ years as a loyal customer, Bank of America suddenly closes our accounts and won't give us a reason, other than " is a business reason ''. And now is holding our money XXXX ( aprox $ 10k ) and we can't pay our bills, it won't tell us when they're releasing the funds. WE CAN NOT WAIT, WE HAVE BILLS TO PAY. 

On XX/XX/XXXX we get a letter about the closure of the accounts. I'm XXXX XXXX and sole breadwinner of my family, I'm a law abiding US citizen and Bank of America is treating me like a criminal. 

I suspect the reason is that I am the child of a foreign PEP ( politically exposed person ) from a XXXX American country, because my sister had her XXXX account investigated, my parent filled out a questionnaire and that's it, her account is still in good standing. I believe BofA actions are racially discriminatory in nature, they're treating me like a criminal. 

Why would BofA close my accounts in good standing without first questioning? I'm XXXX and all my income is from XXXX  care corporations, why close my accounts? 
Why not release the funds right away when I went to the branch so that I can pay our bills?

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 2020-09-11
Company: Social Finance, 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:
I contacted SoFi to determine who owns the debt, and they insisted that they no longer owned the debt and the debt had been sold. However, they continue to report negative information. If SoFi no longer owns the debt then they should stop reporting effective the date sold. 

I've paid to settle the debt, but am unable to get a clear confirmation of how to resolve the issue on my credit report as both companies are directing me to each other and neither are able to assist but took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: NC
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 am filing a complaint with equifax because I advised them that these inquiries on my credit report were due to fraud and they have not removed them from my report. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX. These Inquiries need to be removed immediately due to fraud. 

I am filing a complaint with XXXX because I advised them that these inquiries on my credit report were due to fraud and they have not removed them. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We are in desperate need of your assistance. Our mortgage company Carrington Mortgage Services , LLC . By and through their third party affiliate company keeps harassing us about insurance we have. 

To begin, we received a letter from them dated XX/XX/2022. In that letter, they tell us we have no insurance and that they are going to take coverage out on our home for an exorbitant amount of money. We informed them that we have had coverage for the past 2 years, of which we make our payments directly to the insurance company. Also, we were informed by the previous mortgage that a reduction to our monthly payment was in order and that would be done by the new mortgage company Carrington. As they sold the debt to them. 

After informing them of the facts stated earlier, they still persisted and required another copy of our insurance deck paper. Citing they never received one from the insurance company. We knew that to be false because they forwarded us a postcard acknowledging receipt of the policy. However, we contacted our insurance agent and she promptly forwarded the information. 

Believing the matter was resolved. Our insurance agent received another phone call on a different day requesting more documentation that the policy was in effect. Carringtons third party agent was requesting personal information, and the agent referred them back to us. After a call to us, they demanded to see the invoice of payment made. They asked the insurance company if we still owed any money or had missed a payment. They wanted to make that payment on our behalf, but they were informed that the policy was paid in full and had been paid in full for the past year as well. 

In closing, our issue is, the mortgage company is attempting to force us to take their insurance and raise our monthly payments, when they are refusing to lower our payments due to credits back to us for carrying our own policy. We need our credit for lowering our monthly payment down immediately and the harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: NJ
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 credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Unauthorized Inquiry XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX XXXX Unauthorized Inquiry XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX  XX/XX/XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXXXXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX -Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2018-07-24
Company: TD BANK US HOLDING COMPANY
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: Their investigation did not fix an error on your report

Complaint:
TD Bank XXXX has done some illegal ReAging of my account that was opened XX/XX/XXXX and closed XX/XX/XXXX and charged off. I've disputed this multiple times through XXXX  and XXXX to take a look at this reporting because how can an account be closed XX/XX/XXXX but my first delinquent date was XX/XX/XXXX and no reporting prior to this date. It's strange XXXX  got this item deleted but not XXXX  and XXXX who keeps giving me a hard time on this disputed item. TD Bank updated my report saying I recently made a {$28.00} payment and that wasn't true either. This has caused a lot of frustration and stress with trying to rebuild your credit and negative reporting is happening causing consumers to miss out on jobs, higher interest rates, and discouragement when trying to only rebuild their credit. Im sure I'm not the only consumer going thru this illegal re-aging with XXXX  and little help from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech Financial assumed my home loan from Greentree, who previously assumed my loan from XXXX. I have excellent credit that has been threatened by Ditech representatives for their gross negligence. In XX/XX/XXXX, I made a payment of {$1400.00} on XX/XX/XXXX, received by Ditech on XX/XX/XXXX. I later noticed that my payment had increased, therefore, I made an additional payment of the difference of {$86.00} on XX/XX/XXXX, received by Ditech on XX/XX/XXXX. I wanted to make sure that they received their payment by the cutoff of their late due date of XX/XX/XXXX. However, I was sent a letter with a late fee charge of {$40.00}. The difference was paid before the cutoff, therefore, there should be no late fee. I then made my XXXX payment early because of issues stemming from XX/XX/XXXX. I was informed during that time that my payment was late because it was received after the first of the month. I spoke with several different representatives, whom were all demanding of an unwarranted late fee, and finally spoke with a belligerent manager. She said the same thing ... 'your payment was received after the first of the month, and it is therefore late and you are being charged a late fee '. I was threatened that I would be turned over to the credit bureau if I did not resolve " their '' issue and pay a penalty. Therefore, I started paying earlier than usual. However, since I made two payments in XXXX of XXXX, they decided to apply the early XXXX payment towards principal. Therefore, I have been assessed with a monthly late fee of {$40.00}, that is now equivalent to {$160.00} per their misconception in paying my monthly payment a little early so I could avoid these preposterous late fees. 

This company is affecting my credit and utilizing unscrupulous tactics to collect unjustifiable late fees. The representatives for this company are irrational and do not aid in solving the problem. They will only ask for payment. I am done dealing with this company - please listen to all the complaints you receive. I wish XXXX had never sold my loan - I NEVER would have chosen Greentree or Ditech. I hope something is done to change their unjust late fees. I refuse to pay something I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX someone hacked my account followed by changing email and phone number. I received emails from Chime Bank at XXXX that my phone number was changed and XXXX XXXX  that my email was changed. I immediately called Chime to let them know I didn't change my email or phone number. I have emails that these were changed back to the correct email and phone number at XXXX XXXX  while I was on the phone with the representative. XXXX I received an email to set a new password which was done while I was on the phone with the staff member. While on the phone with them, 2 charges went through that were not made by me but instead by the person that hacked my account. These charges were at XXXX for {$2400.00} and XXXX for {$2400.00}, as I was on the phone when these came through I told the person I was on the phone with so we could dispute this. I was on the phone for approximately 45 minutes getting a new card ordered and providing the dispute information. 
On XX/XX/XXXX I received an email that the dispute was denied, I called within an hour to discuss with a representative. The representative was unable to help so I spoke with a supervisor, the supervisor made me aware that there was no information on the dispute in regards to my account being hacked. I told him the entire story of what happened, he reopened the claim and asked me to submit proof to the email provided. As soon as I got off the phone with him I sent the email with screenshots about the email and phone number being changed as well as the charges that were made without my consent while I was on the phone with the bank employees. 
Today XX/XX/XXXX, I received an email that the dispute was again denied despite the large amounts of proof that were provided as well as the fact that I have been using Chime for 8 years without issue and it was no fault of my own that my account was hacked as I have never shared my password, my pin, or any of my banking information with anyone but instead that Chime allowed someone to have access to my account and spend over {$4900.00}. 

I have had no success with emailing or calling to get a resolution of this. The resolution that needs to be done is Chime needs to refund the {$4900.00} that they allowed someone else to access and spend.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-04-28
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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2022-09-27
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX Account # 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 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 2023-02-19
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 NEVER GAVE CONSENT TO ANY OF THESE PERSONS TO FURNISH ITEMS TO MY CONSUMER REPORT ON MY BEHALF. AS A RESULT MY LIVELIHOOD HAS BEEN ADVERSELY AFFECTED, AND MY PRIVACY HAS BEEN BREACHED.

Company response to consumer: Closed with explanation