BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-05
Company: Experian Information Solutions Inc.
State: CT
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:
A loan account with XXXX  is reported as sold to XXXX XXXX aka XXXX XXXX XXXX, a separate complaint was made against XXXX. The terms of XXXX  loan were not disclosed at time of approval, terms such as interest rate which is in question as it does not appear XXXX took into account credit score when calculating rate. Numerous negative reviews on consumer review sites such as XXXX reveal XXXX charges the same high interest rate to everyone whom is approved, regardless of credit score. This high rate was not disclosed and XXXX has not shown any proof to date that it was, payments ceased in 2015 after I learned of rate. A credit report shows the loan as sold to XXXX XXXX, the parent company by the name of XXXX  replied to complaint which I copied below, their rep states record does not show any account with XXXX XXXX. There appears to be an error here which needs to be corrected, if not, remove account from credit file. 

XXXX  response : We are unable to locate a XXXX account for XXXX XXXX. Please provide a copy of the original complaint, as well as any information ( account number or social security number ) that would help us to locate the account and address your concerns.

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 2023-02-06
Company: EQUIFAX, INC.
State: SC
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. 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-01-25
Company: EQUIFAX, INC.
State: UT
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:
The following accounts are incorrect and they are adversely affecting my livelihood. 

Address History : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: TaxServ, LLC
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Called to find out information regarding a tax bill they stated I did n't pay in 2013 but they would n't assist. I was hung up on and threatened by the staff. When I ask to speak to a manager I was told no you 're not speaking to her about this. I spoke to XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I am constantly being harrassed by a company called XXXX XXXX. They say they represent Castle payday and I owe {$700.00}. I told them that I did bot borrow that much. I offered to make payments and they refused saying it was n't enough. I have been called by several people, the most recent is XXXX at XXXX. He yelled at me and said he has me on tape refusing to pay, and will have me served legal documents at my job. They also called other family members, including my under aged grandchild. This behavior must stop. When I asked the person who called my last week there address, they refused to give it to me. Please help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my new checking account with Citi Bank in XX/XX/2018 and met the requirements for the promotion offer of XXXX . It has been more than 6 months and I have not received any bonus. I called the customer service several times in the past few months but no any response. I request the Citi honor its promotion offer as advertised.

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 2021-07-05
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The following accounts were 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have been in forbearance since XXXX of 2020 with XXXX. On XX/XX/XXXX20 I called to remove my foreberance and pay my current balance owed of {$8400.00}. On XX/XX/XXXX I received a 35 point drop in my credit score due to an error at XXXX not applying my payment despite drafting my account of the funds. I filed a dispute with Experian who did nothing despite XXXX admitting to me that it was an error on their end and that I should immeditately file a disupte with experian. I have an official letter from XXXX documenting all of the facts of this dispute. I should not have any late payments or reduction in my credit score.

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 2019-09-21
Company: RoundPoint Mortgage Servicing LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company is a nightmare with the escrow acct ..first it was trying to get them to remove my pmi which was suppose to be automatic ( I had to email them a copy of the contract to get them to comply I cant imagine how they wouldnt have this ) ..now they failed to pay my homeowners insurance I caught it day before and after many lies got someone to agree to overnight it so I dont loose insurance or be charged late fees ..now they show they took it out twice and are having to advance me money ... I find bbb had many complaints like this on them ..the escrow department lies every phone call and I have to make up to 8 calls about each situation ..I have never had to worry about my things being paid from others

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 2023-09-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased clothes from a store called XXXX on XX/XX/XXXX. The order showed delivered but I never received it. The merchant did not have a signature required delivery and the package was never delivered to my home. After an unsuccessful attempt to resolve the issue with the merchant, I filed a non receipt dispute with PayPal/Synchrony Bank in XX/XX/XXXX for {$310.00}, the total of my missing order. Sychrony bank ended up siding with the merchant because they said the package was delivered, though it was not received by me and part of the address on the shipment was incorrect. I have been going back and forth with the bank as I believe they are in violation of reg Z as I am now out of the product and the funds.

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 2021-10-01
Company: ENCORE CAPITAL GROUP 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the companies and the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX MIDLAND CRED XXXX MIDLAND CRED  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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: Information belongs to someone else

Complaint:
I have four fraudulent accounts that do not belong to me and I wish to have them removed. 

XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$290.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$1000.00} XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$210.00} + COLLECTION XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$210.00} I have many fraudulent addresses that I want removed, they are listed below. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX CT XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: EQUIFAX, INC.
State: TX
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:
IreachedouttoEquifaxaboutsomeaccountsthatwerenotreportingcorrectinformationonmycreditprofile.UponresearchandreviewIfoundoutthatallaccountsaretoreportcompleteandaccurateonacreditfileandIbroughtthistotheattentionofEquifaxinXX/XX/XXXXandXX/XX/XXXXbuttheycontinuetoreportthesameinformation.Theydidnotperformaproperinvestigationliketheyclaimedbecausechangeswerenotremoved/updatedaccordingly.

InoneofmychallengesIpointedouttothemthattheydidnotmarktheaccountsasbeingdisputedaspartoftheirprocesswhichisaviolation.TheyignoredthefactthattheyhadalreadyviolatedthatandmarkedtheaccountassuchuntilAFTERIpointeditouttothem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: BBVA FINANCIAL CORPORATION
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:
I have several inquiries on my credit report that I do not recognize. I dont know a whole lot about credit, but I know I didnt authorize all of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Santander Consumer USA Holdings Inc.
State: CA
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:
On XX/XX/2021, Chrysler Capital obtained a copy of my Credit Report without my consent or authorization from XXXX and other Credit Reporting Agencies for the purposes of auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: FL
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be repaired as soon as possible. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: EQUIFAX, INC.
State: LA
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 recently sent my statement with the balance on my mortgage. I was told that they could not fix the information due to not enough information. How can these people handling how reports be either incompetent, lazy or unqualified to do a a reporting system. 
If my statement show the correct outstanding balance, how can they not correct the it since this is proof of my account balance. 
The statement shows all of the ending balances on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We requesting mortgage forbearance in XX/XX/2020, lender added XXXX to our principal for XXXX-XXXX payments. 
We paid XXXX and two payments in XXXX which cover the arrears. 
On XX/XX/XXXX lender send letter stating we requested another forbearance, our account was brought to date in XXXX, there was no need for forbearance lender added another XXXX into deferred principal XXXX XXXX WHY? 
Lender added this XXXX to principal balance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a phone Call from ERC for a debt in XXXX of 2016 Paid debt in full cleared my bank account on XXXX XXXX 2016 still they have not removed derogatory mark from my credit reports even after filing to disputes with the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-02-03
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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

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 2021-07-05
Company: EQUIFAX, INC.
State: OH
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 and I believe everyone one is attempting to take advantage of me based off these fraudulent errors on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
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:
I have paid my derogatory accounts and they are still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: Experian Information Solutions Inc.
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:
On XX/XX/18 a dispute was sent to company regarding XXXX XXXX # XXXX {$18000.00}, XXXXXXXX XXXX {$17000.00} Per the certified mail receipts, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.

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 2019-11-05
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: Information belongs to someone else

Complaint:
XXXX XXXX is being reported on my Experian, XXXX, and XXXX  credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good Morning, I have been attempting to link my account with XXXX in effort to begin buying stocks. I have continued to be blocked by PNC to link my checking account with XXXX. I do not understand the reason for this. Please provide me some type of addition information. Thank you. 

Respectfully, Consumer

Company response to consumer: Closed with explanation