BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-14
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was informed XX/XX/XXXX by my insurance company that the Mortgage Company had not paid my Hazard Insurance due XX/XX/XXXX. I have confirmed with the website of the mortgage company. My Mortgage Company is Freedom Mortgage. I have phoned Freedom Mortgage twice, the first time it took 7:57 minutes to reach a live person as the phone prompts repeatedly forwarded be back to previous prompts. Then the representative forwarded me to the Insurance department in which the phone system again placed me back through repeated prompts and a live person never answered. 
I later called and it took 12:53 minutes to reach a live person but I could only reach a live person by identifying myself as a representative of an Insurance company. Once a live person answered, I explained my difficulty and inquiry, she then tried to transfer me again. I stopped the representative and cited the regulation 1024.36 ( a ) ( b ) as I am very familiar because I am a Lending Compliance Officer of a Financial Institution. I was then placed on an extensive hold superseding 10minutes before disconnecting. I hav also emailed the company twice as well. I have Mailed my QWR but I am concerned there will be a lapse in my coverage due to their negligence and I need to know how to hold the Mortgage Company accountable for such negligence?

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 2017-07-29
Company: Experian Information Solutions 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 disputed the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, and XXXX. They refuse to remove these accounts that do not belong to me.
I disputed the following fraudulent inquiries I did not initiate and are not covered by fair use : XXXX XXXX XXXX, 2017, XXXX XXXX XXXX XXXX, 2017, XXXX XXXX XXXX XXXX, 2017, XXXX XXXX XXXX, 2017. They refuse to remove these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
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:
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 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 2023-06-23
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:
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 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2020-04-28
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My XXXX and XXXX reports correctly indicate that this debt was not able to be verified. It dropped off my reports years ago and still remains on my XXXX report. It is a creditor or collection agencys responsibility to report accurate information to all three bureaus. In this case, they keep saying the debt is verified even though it has since been unverifiable. I need help getting IC Systems and XXXX XXXX off my XXXX report due to illegal reporting practices.

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 2023-03-07
Company: Credit Fresh Holdings Inc
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2023 I called, just excuses and runaround why the amount ( s ) keep fluctuating. I emailed XX/XX/2023, they refused to respond. I emailed XX/XX/XXXX, twice and XX/XX/2023, they refuse to respond. I used the text feature ( XXXX ), on XX/XX/2023, they refused to respond. I have attempted to rescind my ACH debit, they refuse to respond or acknowledge this. 
I have paid XXXX in 10 months, the original amount was XXXX Credit Fresh says I owe XXXX, where did the money paid go? How can I possibly owe more than the original loan by XXXX when I have paid nearly XXXX in just 10 months. 
This is beyond predatory. This is beyond allowable interest in Oklahoma. I am also contacting the FTC and Oklahoma State Attorney General. I am also sending via signature required my revocation of ACH debit. 
This company is ruthless, follows NO rules, NO acceptable accounting practices. They should be shut down IMMEDIATELY. 
The refusal to respond, the refusal to remove the ACH authorization tells anyone all you need to know about Credit Fresh. 
Please, I am begging you, STOP these crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 account does not belong to me.. It belongs it is a corporate account.

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 2023-03-07
Company: DISCOVER BANK
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Discover Bank went down twice in XXXX and XXXX of XXXX. 
The first time I made a mobile deposit with my main business income and the deposit didn't clear. I received a notice that mobile deposits submitted between XX/XX/XXXX and XX/XX/XXXX were delayed in processing. It did not deposit for a week and cleared on XX/XX/XXXX. 

The question then comes, how do you get external money into a Discover checking account so that your rent payment clears? Well, no money apps work with Discover checking- not XXXX, not XXXX, nothing. The app Discover had on their own website, XXXX, hasn't worked for months. When talking to a customer service rep about what I could possible do, the only option became XXXX XXXX XXXX. I promptly go there and am informed that the Discover debit card that I had doesn't work for their money services- the XXXX card that would have worked was manufactured last year but was never sent to me. 

The other time Discover went down, there was 'system maintenance ' for XXXX hours with no warning given to customers and you couldn't access money again over a weekend. 

So, here I am closing my Discover checking and savings accounts after bouncing XXXX rent checks with either no access to funds or no way to get external money into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XX/XX/2019 I noticed a fee charged to my account for a XXXX charge of {$48.00}. I was confused because my balance left was {$40.00}, and after charging me. I first spoke to an agent named XXXX who was extremely condescending who explained to me because the card authorization made my available balance negative. I was then transferred to a Manager named XXXX. 

The issue stands here. I was charged an overdraft fee because of a pending authorization which was a mistake by the vendor and has not posted. So I was charged an overdraft fee based on my available balance and then I would be charged another overdraft tomorrow when this authorization posts. 

I spoke with XXXX extensively and he let me know that I would be charged fees based on my available balance availability even if a transaction never posts. Meaning, that if an authorization was a mistake and the vendor never collects Bank of America will leave that fee on my account. I found 5 fees like that in XXXX. I found multiple other fees like that in the past 6 months. Where Bank of America charged me overdraft fees, for authorizations and then when that authorization posts. 

I then went to page 10 of my client disclosure packet. None of these parameters were documented in that packet at all. Nothing about being charged fees based on available balance. It only said balance. Nothing about being charged for an authorized item and then again when that same item posts. There are already {$240.00} in fees including the one for XXXX which will post tomorrow. I calculated another {$700.00} in fees the last 6 months using this abusive tactic. 

I went into a deep dive in managing my account in order to avoid this issue. I would like all my fees reversed. I would like a letter of apology for this abusive behavior. I want my account to go without any banking fees for the next 6 months as a show of good faith, that I will not be taken advantage of again. 

I also want Bank of America to make full disclosure of these fee practices in the client disclosure booklet. Because even when I read it to been, he said it agreed with him. But the booklet makes no distinction between the two balance and available balance. Nor states we can be charged two times for one transaction. 

I was even told I wasn't charged for my transaction, but was charged because of my available balance. This is convoluted and seems like an abusive ploy to get fees.

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 2021-02-05
Company: COMMERCE BANK
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I feel commerce bank and there attorney XXXX XXXX of XXXX XXXX and XXXX have used and are using predatory lending practices, bullying, repeated failure to adhere to terms of an agreement and a lack of willingness to work towards an amicably end with an aggressive pursuit of much higher profit margins that a traditional loan. They have refused payment to be brought current, attempted to force me into a forbearance agreement, negotiated a settlement agreement upon learning of a contract for sale, reneged on agreement and took me to court for XXXX more ... won a default judgement without seeing any evidence ... offered another settlement of XXXX ... tried to foreclosure auction the property to force me to pay ... then when I attempted to pay the XXXX having discovered there was a contract for sale for XXXX they reneged on that offer and now want XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is listing a debt that i do not owe. I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Experian Information Solutions Inc.
State: PA
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, I got this letter from experian saying they won't reinvestigate but its nothing that needs investigating. The U.S department of education has been providing misleading information and attaching its bad payments on my consumer report. they say they are telling the truth and have " verified '' this account to be accurately reporting yet they can't be FACTUAL. If this was valid wouldn't the information in regards to account XXXX be reporting hard proof, information, dates etc? If they claim the information they are providing experian is to be true then WHY/HOW is it that they are reporting different information to different companies? attached are photos of my credit reports. DOTS are next to the misleading information .... such as the account status, date open, payment status etc. DELETE THIS " CLOSED '' ACCOUNTS THAT WERENT EVEN OPEN WITH MY CONSENT IN THE FIRST PLACE OFF MY REPORT. this account is reporting 100 accurate i see so many errors which is a FCRA violation. 

Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance : {$18000.00} Account Name : US DEPT ED Account Number : XXXX Account was openedXXXX Account Balance : {$23000.00} Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance : {$27000.00}

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 2023-06-07
Company: CITIBANK, N.A.
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to transfer money from my account. I was told that it had been labeled inactive, so it needed to be reactivated before I could access my funds. I was told that i need to send a letter to a XXXX XXXX office to process the request. Thta was a week ago. I have been on the phone with customer service daily. No one can tell me if the letter has been received or processed or when I might be able to receive my money. They provide no help at all and refuse to put me in contact with someone who can. There is an urgent timeline, as the money is needed in two weeks to close a home loan.

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 2022-05-04
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account Name U.S DEPARTMENT OF EDUCATION 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 2019-05-07
Company: EQUIFAX, INC.
State: MO
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:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the DPT ED/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 6 - 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due

Company response to consumer: Closed with non-monetary relief