BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have a collection account that is reporting on my credit report from XXXX XXXX I have paid this collection and in turn received a letter from XXXX confirming that they will indeed request the credit bureaus to delete this account. This occurred on XX/XX/XXXX, however, as of XX/XX/2021, the derogatory account still remains on my credit report despite written confirmation from XXXX that it would indeed be deleted and that a request has been sent for deletion as well. I have attached the letter from XXXX below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: The Bureaus, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage company rocket mortgage Quicken Loans cold called me about refinancing. The person pulled my credit report without my knowledge or consent. I complained about this talk to a director. They decided to go ahead and try to refi my mortgage which again I did not request a cold called me. We agreed on 2.875 % interest rate and no upfront cost for closing cost of any kind. After delay after delay on their part they now tell me I owe {$1700.00} at closing I complained and they reduced it to a little over {$1000.00} in closing but I told them I was told from one of their directors there would be no closing cost of any kind. This is been going on since XXXX of this year. They keep trying to assess late fees for mortgage payments but I was not to make a payment because of the closing. This is utterly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: SC
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2023-04-18
Company: Experian Information Solutions Inc.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2019-08-30
Company: AUTOMOTIVE CREDIT CORPORATION
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I provided the contract for this vehicle which was not financed by this company on XXXX. The company is not named as the assigned or loss payee on the contract and I have never taken a loan with them. Just because they have a paper with the price and monthly payments of the car doesnt mean they are the creditors. XXXX needs to properly examine documents in a dispute instead of automatically favoring the false account reporters.

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 2023-04-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2020-09-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Penny Macs Loan # XXXX ____________________________ Final closing disclosures,, sent by Penny Macs XXXX XXXX on XXXX XX/XX/XXXX had erroneous escrow requirement for property insurance. 

XXXX XXXX  actual premium is {$1000.00} ( {$87.00} per month XXXX. 

XXXX calculated this premium at {$270.00} per month ( {$1900.00} deposit for 7 months ), and listed the monthly mortgage payment at {$2500.00} per month. 

PennyMacs original loan estimate listed monthly payment, including escrow, at {$2400.00} per month., at 2.5 % interest, with XXXX points. 

My current mortgage payment with XXXX XXXX is {$2500.00} at 3.5 % with zero points. 

Obviously, XXXX Final Loan Disclosures, sent to me for eSigning, were unacceptable. 

I contacted XXXX. She blamed the error on some other department. 

PennyMacs XXXX XXXX called to say he had been assigned to take over the loan closing and make it work ( sic ). 

Subsequently, he emailed me on XXXX XX/XX/XXXX, saying : We plan to have new closing disclosure for you tomorrow. 

The loan was due to be funded on XXXX XX/XX/XXXX. 

New loan disclosures were never sent to me. 

I called XXXX again. He checked his record and said that the new disclosures had NOT been sent, and if I did not like what XXXX had sent me on XXXX XX/XX/XXXX, he can cancel the loan. 

Had the corrected Final Loan Disclosures been sent to me, I would not have cancelled the loan. 

XXXX has since corrected her error, but PennyMacs XXXX XXXX says he can not make any adjustment now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of XXXX, I went to follow up on a deferment that I had requested in XXXX of XXXX from XXXX XXXX on my account # XXXX because I had noticed that I was being assessed late fees for every month even though I had been paying my lease payment on time. I was informed that the deferment was never processed even though I had information specific to the deferral that would only have been obtained if they had processed it. As a result, they admitted fault by removing all the late fees, but it still meant that I was one payment behind which would have been deferred if they had processed it. As a result of them not processing the deferral, they falsely assessed me a 30 day late payment and reported this to my credit bureaus. Regardless, I made sure my payments were current and sent them a letter requesting that they remove the 30 day late payment from being reported from my credit bureaus because if they processed my deferral in the first place there wouldn't have been a 30 day late payment. They refuse to correct this and I am reporting them so that they can correct their error. If they do not correct this error through this process, I will be pursuing legal action for the falsely reported late payment.

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 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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, # XXXX, # XXXX, and # 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 instruction.

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 2023-10-05
Company: Markoff Law LLC
State: WI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
This was a payday loan from 4 years ago. I have asked for proof as I have paid off many loans in the last 3 years. No proof was given for legitimacy. I have just got notice that someone attempted to serve me at my home, and double checked my ccap. They are now pursuing payment through small claims without responded or sending any documentation. I have never worked with this debt collector. I have left voicemails with my reference number and no messages back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-09-12
Company: MIDFIRST BANK
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 status incorrect

Complaint:
I put my loan into Forbearance under the CARES Act and payment XXXX, XXXX, XXXX and XXXX were deferred. I applied for and was granted a stand alone partial claim from HUDXXXX The account was brought current in XXXX and I made my first mortgage payment again XXXX. Midland Mortgage reported my loans as 90 days past due to all credit reporting agencies, dropping my credit by ~140 points. I have called three times and I have sent 3 emails to get this corrected. Ive received no correspondence.

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 2023-02-21
Company: Upgrade, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX I called Upgrade regarding incorrect information being placed on my credit report. XX/XX/XXXX, Upgrade reported that I was late/missed 4 payments. Everyone I spoke to at Upgrade agreed my account payment history did not reflect 4 late/missed. On XX/XX/XXXX XXXX ( supervisor ) advised he would submit the correction to the credit reporting agencies. XXXX also agreed to send something reflecting the correction that is being requested. I called later that same day to confirm Upgrade was taking action to correct the mistake. My mortgage broker advised a letter stating that would improve my mortgage rates, as the 4 late/missed payments reports affected my credit score. After receiving a balance letter from one of my other creditors, I called Upgrade for the status of my request with them. I have never been treated so poorly by a company I am paying to do business with. on XX/XX/XXXX I was advised by an Upgrade employee that although they maintain my payment records and they report Upgrade sends my account data to the credit agencies, there is nothing they can do. I must wait up to 60 days for the information to be updated. I was refused a manager/supervisor and hung up on. Upgrade declined to send a payment letter. Upgrade told me that this info could be found online or in the app. The app does not reflect the 4 late/missed payments. Everyone I spoke to agrees, so why do I have to wait 60 days? I have to put my home purchase plans on hold for a mistake, not one made by me, one caused by Upgrade. I still feel like I am being punished for pointing out the previous system error on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX SYXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

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 2023-01-04
Company: Experian Information Solutions 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 XXXX  account # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 15 USC 1681 section 602 ( a ) states I have the right to privacy. 15 USC 1681 604 ( a ) section 2 also states a consumer agency can not furnish an account without my written consent.

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 2023-08-17
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hunter Warfield Inc put and debt on my credit for {$110.00} XX/XX/XXXX on behalf of XXXX XXXX  - The XXXX located in XXXX XXXX, XXXX. The original date stated was XX/XX/XXXX. It was wrong. I contacted them on XX/XX/XXXX when I received a strange email stating I owed money. I already disputed this action before I had no idea what they was talking about. So when it was placed on my credit again for the second time and they sent me a letter to my correct email. I sent them the receipt of payment from XX/XX/XXXX after I called around to find out who this company was. The company went in and changed the original letter after receiving my receipt and still are saying I owe when I never did. It should have never went to collections. Also the company that sent it out no longer exist due to fraudulent activity confirmed by new owners. Hunters Warfield placed this on my credit two times effecting it by XXXX points both times with a total of XXXX points. They was very rude, inconsiderate, and sent out another set paper telling to go to the police station and fill out a report. I paid my invoice and showed my proof, I shouldnt have to go through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: JPMORGAN CHASE & CO.
State: GA
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:
On XX/XX/2020, I noticed that my credit limit was decreased from {$17000.00} to {$7600.00} and the letter in my app with Chase advised too many revolving limits on your credit report. I have never been late on a payment and always pay more than my minimum and because of Covid I have used my cards more than usual. Since my credit limit has been decreased from {$17000.00} to {$7600.00} now my credit score will be impacted with a higher debt ratio and I think this is not right. My balance on this card is XXXX so now it will show I am utilizing almost 100 %. I was given no warning what so ever from Chase nor was I told that my credit limit can be decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: MI
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:
I have a standby cash account with XXXX and on XX/XX/XXXX the bank reported to Credit bureaus about 30 day late payment when I was already paying a minimum amount on the account. This happened right when I applied for a loan. Either the bank or the credit Barreau is rushing to report this whenever I apply for finances and then remove it once I file a dispute. recently I spoke to the bank inquiring how the payments can affect my credit and they said they won't report it until its 30 days late so I have enough time to pay off and then yesterday when I tried to make a payment I saw a pop-up saying that I can make those payments in installments so I called the bank to get clarification on how it will affect my credit and they clearly mentioned that it wont be reflecting in my credit as its a hardship program they are offering but I saw that they reported it as late on the XXXX of XXXX right when I was shopping for a loan. It seems like the bank is doing a deceptive practice to ruin my finances. I have a history with them for various issues in the past. They also denied that the bank will offer a Foreign exchange in XX/XX/2022 when I I did exchange through them just in XX/XX/2022 and then I have to argue to let them exchange money and they spent exacly 1 hour to do it. They tried to send me to another agency which is located far away from my home. They also said I have to visit the bank 5 times in order to exchange XXXX ( which they said is a limit for one transaction ) but end up doing it in one transaction.

Company response to consumer: Closed with explanation