BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-22
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:
FCRA violations : not my social security numbers XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident type Multifamily XXXX XXXX XXXXY XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident type Apartment complex XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX A XXXX, TX XXXX Resident type Apartment complex FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$750.00} Status Collection account. {$750.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Account charged off. {$6.00} FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Open. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$280.00} Status Open.

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 2022-09-21
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying on my student loan since XXXX. The balance is still high so I contacted the loan company for my payment history. They have not applied any of my monthly payments to my principal until XXXX. The original loan is for {$30000.00}. Is it legal for a company to only collect interest if thats not the type of loan Ive agreed to? Even if it was a tiny amount something should have ALWAYS been applied to my principal. 

As of right now, I have paid {$23000.00} on a $ XXXX loan and only {$5000.00} has gone towards my principal. I have about 10 more years left if I dont pay it off ahead of time. My interest rate is only 5 % and one portion of the loan is XXXX. 

Is this legal? Like I said, I know interest is high in the beginning, but nothing was taken out for my principal for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX OF XXXX / {$0.00} / XX/XX/XXXXXXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX XXXX/ {$16.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
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: Was not notified of investigation status or results

Complaint:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX XXXX/ {$16.00} / XX/XX/XXXX XXXX / {$0.00} / 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 2022-06-06
Company: EQUIFAX, 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:
Dear Equifax In reviewing my credit report from Equifax, I found unauthorized addresses. I made numerous attempts to resolve this matter via Equifax automated service, however I had no success by phone. The following accounts are unauthorized. XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Under 15 U.S. Code 1681i. Paragraph ( 5 ) Treatment of inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am a XXXX XXXX  in severe financial distress due to Stay at Home orders. I have filed all relevant SBA and FEMA applications with my bankers. In the course of contacting my personal creditors, I contacted US Bank regarding our XXXX  XXXX  XXXX  MasterCard. They indicated I do not qualify for their Covid-19 relief program because of late payments. 

I have paid all of my payments on the due date or one day before via ACH on their website for years. It turns out, the don't post payments made via ACH on their website for up to 1 business day and always after the weekend. I had no idea I was racking up late fees while paying on time. I am incensed in frustration to discover they were " floating my payments '' to my detriment and charging me late fees. 

They are now using that as the disqualifying reason that they will no extend me the payment deferral that every single other creditor ( dozen plus ) has extended to me including tier 1 and tier 2 credit  cards and banks. This is at least an abuse of their treatment of payments to their benefit. It is a worst a slap in the face to me as a business owner in legitimate distress. This is a matter principle. The payment that they would defer is only {$66.00}. And yes, that {$66.00} matters to me this month by never mattered enough in the past to even notice the egregious late fee policy. 

Again this is a matter or principle. If they are doing this to me then they are doing it to millions of patrons who think that a ) paying their bill on the US Bank Website on its due date is paying as- agreed ; and b ) they are refusing to offer relief when it is most needed. Moreover, their agent on a recorded calls demanded that i pay the {$66.00} that I was not able to pay in XXXX  ( when I could not get through on the phone to them after five days of trying ) and that if I paid that {$66.00} then I the payment deferral program would be extended to me. I want the call recording pulled and staff held accountable. The supervisor was self rightous at best and implied that if I had been a reliable customer, then they would have offered me the program. I have been shopping at XXXX  since it opened. I have been a US Bank XXXX card holder for many years. I had not Idea i was getting stuck with late fees for paying what appeared to be on time and only would have realized it if it ever showed up on my credit report ( which it never has ). They are splitting hairs and charging material inappropriate 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 monetary relief
Consumer complaint received 2022-12-01
Company: Kansas Counselors, Inc.
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon reviewing my credit report I noticed that my credit had dropped over XXXX points recently. There are several duplicate collections accounts on my report that do not belong to me. They are my wife 's medical bills, not my own. I did not consent to any of the care that she received in the hospital, that was her choice alone. 

Attached you will find photo copies of my credit report and my wife 's. The first photo with the circled collections is mine, the other photos are screenshots of my wife 's credit as listed online through the portal. She has consented to me sharing these photos and I will list her contact information along with mine so that you may reach out to certify consent if necessary. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: EQUIFAX, INC.
State: AL
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:
Im having issues with XXXX XXXX keeps appearing on my credit report violating my rights. This account was opened fraudulently in my name and does not belong to me. 

Account XXXX XXXX {$1700.00} Open on XXXX, XXXX 2020 XXXX I want this fraudulent account removed from my report asap as it is violating my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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: ProCollect, Inc.
State: MO
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

129

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by a person I thought was my friend. I sent XXXX for concert tickets and then the scammer ( on XXXX ) blocked 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 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end 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 non-monetary relief
Consumer complaint received 2022-06-30
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I successfully paid a my credit card in full. I was issued temporary credit of {$1000.00}. 
My payment of XXXX was sent in XX/XX/2022. It was credited to my account but did not allow my funds to be accessible. The funds were posted XX/XX/2022 but never released to me. As I did this, the company conducted a random periodic review and decided my credit needed to be reduced from {$5100.00} to {$1000.00}. Causing my credit utilization to shoot pass an acceptable utilization rate on the credit bureaus. This has causes me irreparable damage due to the fact that I rely on my funds to survive. I do believe this was done maliciously with the intent to do harm to my person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: EQUIFAX, INC.
State: IN
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:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXXXXXX 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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2021, I noticed that there were multiple accounts listed on my credit report from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX. Not recognizing these accounts and the amounts that they claimed that I owed, I immediately sent account validations letters to XXXX XXXX XXXX asking for proof as to where these accounts came from as I believe I may have been a victim of fraud or that this could have simply been a mistake on their part. After not hearing any thing from them for over 90 days, I sent validation request letter to XXXX XXXX XXXX since they were the ones that actually listed these multiple fraudulent accounts on my credit reports. I am talking 6 accounts for different frivolous amounts. After not hearing any response from XXXX, I have disputed these accounts with Transunion and XXXX. XXXX found these account to be frivolous and removed all of them except for two accounts in the amount of {$96.00} and {$110.00}. Transuion has not investigated these accounts and continues to report them months. By law I am due a simple investigation or even a proof of validation in regards to these accounts. I want these accounts removed form my credit reports ASAP since it is evident that these accounts were placed on my credit reports in either a weird way to damage my scores or by accident. 
Either way it should have be rectified when i alerted not 1 but 3 companies in the mistake.

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 2023-03-08
Company: EQUIFAX, INC.
State: IL
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:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as NOT MINE and as Identity Theft from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'm a veteran I have already used my VA benefits to buy one home, so I decided to use it to buy another home with Rocket Mortgage. I submitted all the necessary bank statements and proof of Income, along with all other requested documents by Rocket Mortgage, so they sent me out a Pre-Approval Letter. The Pre-Approval Letter was to be updated to an Approval Letter after Underwriting had verified all the support documents and signed off on the loan. Shortly after I received an Approval Letter stating it was signed off by Underwriting and a {$1000.00} dollar guaranteed to close document as well. After I received that letter, I found a house after I identify the house, I received a call from XXXX Money of Rocket Mortgage stated that my Approval was being retracted because my income was growing too fast for 2022. So, I ask what does that mean? XXXX, said that was what she was told by Underwriting she told me to call Customer Service which I did, and they stated the same reason. My Income is in the form of a Clergy Housing Allowance which was verified by my Employer, Bank Statements, Three years of Tax Returns along with XXXX XXXX XXXX XXXX as per the IRS guidelines. This has damaged my credit and my reputation along with causing me undue hardship due to a loss of potential Income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a credit card with American Express I enrolled the relief program to payoff the credit card. I did enrolled long term program over 12 months. I payoff before the 12 months. They told me I was not able to use the card til is payoff but Ill be able to use it after program end. Now is not the case. They are telling me that I need to re apply for a new card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was recently notified by mail that there was a new sale date set for XX/XX/2022, not giving me enough time to try to do anything about it. I am working with XXXX to stop the foreclosure and complete a loss mitigation application. Every time I have received an application in the mail from Rushmore, I have completed it and sent it with requested documents and never hear anything back. XXXX sent a package to Rushmore on XX/XX/2022 with no response. I gave Rushmore written and verbal permission to speak with my XXXX representative. I am willing to restart my mortgage payments with the exception they allow me to pay the Home Owners insurance an taxes separately, thus lowering my monthly mortgage payment. I started a new job at the beginning of XXXX and I'm doing well there. I have not received any more loss mitigation applications from Rushmore after giving permission to speak with the XXXX representatives. There's no communication what-so-ever. It would be mutually financially conducive for Rushmore and myself if they would consider lowering my monthly payment and allow me to pay the taxes and insurance separate. I do not think it's too much to ask. I would have happily downloaded the application from their website but they have blocked me from logging in, therefore I also can not access any previous documents regarding my account. Please advise as soon as possible, as this is EXTREMELY time sensitive at this point. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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