BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On or about XX/XX/2023 I contacted the alleged creditor about a debt listed on my account. I have sent certified mail to the listed address above twice and both came back undeliverable. I have included proof of this via certified mail receipt I have also notified the FCA Experian of this error and they are refusing to timely correct this issue. It is damaging to my file and score and has caused me harm. 

on XX/XX/2023 I contacted experian to notify them of this error and my attempts to contact the creditor. It is still not resolved as of XX/XX/2023 General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an ADDRESS to which consumers may WRITE to notify the furnisher that certain information is inaccurate. FCRA Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).

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 2023-04-15
Company: EQUIFAX, INC.
State: WA
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:
XXXX XXXX account XXXX has violated my rights. 1 5 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 2023-05-21
Company: Selene Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
So originally the loan was with XXXX and I have lived at the address for 16 years and now the loan is with Selene financial company showing a balloon payment of XXXX and the balance is XXXX that is not accurate. I have never done a loan on my house I have never taken out money from the house at all. I shouldnt even XXXX I did a credit check with XXXX XXXX XXXX, etc. and its showing things that I have never done on my mortgage theyre trying to foreclose as of XXXX XXXX. I need some assistance if you can please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act, 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 has violated my rights. 15 U.S.C. 1681 section 602 A. States I have a right to privacy. U.S.C. 1681 Section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: FL
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2023-05-21
Company: CITIBANK, N.A.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank decided to close my account for no reason, and when I called on XXXX they told me they will mail me a check. I called on XXXX to see where they were in the process. The representative told me it wasnt closed yet. It has been about 30 days now, and I still haven't gotten a check.

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 2023-04-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Since my divorce in XX/XX/2022 I have not been able to update my own personal yearly income as a newly single person. 
I suspect that this is the reason for being rejected from all my applications for new credit cards Kindly update info. I need to establish my own personal credit history. Plus I need a credit card that offers a high credit limit.

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 2023-04-17
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report. I keep on asking you to delete this yet you keep on ignoring my request! I'm looking forward to your quick response on this matter. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Mr Cooper that was transferred to them in XXXX, completed on the XXXX. once the transfer was complete, i paid for the month and set up autopay that was scheduled to start the following month. There auto charged me immediately the next day on the XXXX. i was able to get that charge reversed. Shortly after, i re-setup autopay. 

I didn't receive a statement for XXXX and the next bill i received was for XXXX. Autopay drew from my account what was on that statement. however, my account was still showing unpaid for XXXX. I called and they said what i paid was applied to XXXX and they couldn't find a statement for XXXX. I didn't receive any notice that i was missing a payment or that my account was behind. And speaking with the repXXXX they canceled the autopay without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, The United Wholesale Mortgage escrow ( UWM ) calculated the wrong property tax amount. They collected double what they should collect, which led to my mortgage payment increased more than a XXXX a month. On the hand, I found out UWM didn't pay my property tax because XXXX XXXX tax collector sent me a bill with a penalty. I had to pay using my own money, which led to short money in the bank. I contacted UWM and told them I had just paid the XXXX XXXX dollars in property tax and didn't have enough money to payment+increased escrow, and I asked them to use escrow money to pay my mortgage payment ( extra XXXX XXXX in escrow ) ; they denied it and charged a late fee, and report delinquency to the bureau. 

XXXX XXXX : {$9300.00} UMW XXXX XXXX : {$15000.00} I don't trust UWM escrow anymore, and I asked UWM to terminate the escrow. They also denied it again due to a delinquency event which caused by UWM. 

Thanks to UWM, I had to pay the late fee, and it ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
THESE ACCOUNTS IS NOT MINEEEEE. 

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 non-monetary relief
Consumer complaint received 2023-01-24
Company: Credit Karma, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Credit Karma told me I had a 90 % chance of approval for a XXXX credit card in which I applied for twice and was turned down causing a drop in my score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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: Old information reappears or never goes away

Complaint:
Disputed inaccuracies multiple times. Account where fixed and removed by XXXX and XXXX but Equifax refuses to address the disputed issues and keeps verifying them as accurate without looking into them or sending me any information on the actual dispute of the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: DISCOVER BANK
State: WA
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:
My Discover Credit Card has a credit limit of {$3500.00} for XXXX XXXX  years. Perfect credit history here. 

I am not happy about it but I never bothered to apply for increasing the credit limit. However, this company is crazy now. They locked my card yesterday without prior notice, which caused some trouble and embarrassment. Today I was told to authorize them ( in collaboration with XXXX. LOL ) to request my tax forms from IRS ( XXXX ) otherwise they would close my account in XXXX days. 

Obviously they have their very special way to do business, but at this point any thoughts of me to use this card is a self-humiliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: JPMORGAN CHASE & CO.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Company : XXXX, a XXXX XXXX XXXX XXXX. 

Description of Complaint : I used XXXX 's prepaid card payment method to pay for a medical bill incurred on XX/XX/2023. This payment method resulted in a debit ( reduction ) to my bank account of {$200.00} on XX/XX/2023. 

On XX/XX/2023, I received a notification from XXXX that the prepaid card had not yet been processed by the medical services provider. I settled my bill using an alternative payment method, and contacted XXXX to request a refund. 

On XX/XX/2023 XXXX was opened in response to my refund request and I received confirmation that my payment would be refunded. 

On XX/XX/2023 I received a refund of {$200.00} in my checking account. Simultaneously with this refund, my bank account listed a reversal of {$200.00} on the same date. The net deposit, as a result of the reversal, was {$0.00}. 

On XX/XX/2023 I contacted XXXX customer support via telephone inquiring about the reversal. They opened XXXX. 

On XX/XX/2023 I was requested to provide a screenshot of the reversed refund in my checking account. I replied with screenshots of my checking transaction log, the original deposit ( including transaction reference number ), and the reversal ( including transaction reference number ). 

I have contacted XXXX on XX/XX/2023 ( the original inquiry ), XX/XX/2023, XX/XX/2023, and XX/XX/2023 ( the date of this complaint ) regarding the status of my refund. As of today, I have not been contacted by XXXX- only been informed that my case is in progress. 

See attached files for ( i ) refund request and approval by XXXX and ( ii ) most recent request from the Company, in which are screenshots of 1 ) My bank transaction record, 2 ) the refund deposit, and 3 ) the reversing transaction. I have confirmed with my bank via telephone inquiry that the reversal was initiated by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Navient Solutions, LLC.
State: NV
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 paid off my loan before the autopayment, but they over drafted my account anyway. When I called to ask for my money back, they refused to give it to me for 20 days. When I complained and explained how unreasonable it was for them to hold {$1000.00} when I have other bills to pay is not acceptable. They still refused and lowered it to 10 days. Since then I have had multiple overdraft fees for other payments that couldn't be stopped. I can't get {$1000.00} into my account that quickly. They did not have an explanation for holding the money. Since I work during their business hours, it has been hard to step away to call them persistently. I find their practices unethical.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17
Company: Uplift, Inc
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I contacted XXXX and asked them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically that the creditor Uplift, Inc.provide proof of alleged original application bearing my signature and they have not been able to provide such proof. This is a violation of the Fair Credit Reporting Act and the disputed items may not appear on my credit report if it cant be supported by evidence or proof. 

I have reviewed my consumer report from XXXX and noticed that I have seeveral late payments reporting on my bureau, that I was never late for on Consumer Reporting Agency and have assumed a vital role and Maximum Accuracy. I have never been late on payments for Uplift , Inc. account # XXXX. Please investigate and provide proof with statements showing that these payments were late, if proof cant be provided, I demand that payment be updated to on time as it was never late. 

To Uplift , Inc. I have been in dispute since inception of this account. Yet they continue to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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:
Hi, My name is XXXX XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Since the fraudulent items on my file had never been deleted, I want you to help me remove these items such as inaccurate. It is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its not my intention to not pursue any legal action so please adhere to the law. Delete these 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 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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX an TransUnion credit report agency allowed someone to report me deceased illegally with proving identification an death certificate or report it to the social security agency an why my date of birth was illegally change contain credit in my name by other companies this company an agency or in violation of my civil rights cause me have credit problems lost wages in the data systems I want to know who use my name an reporting me deceased everything should be removed off my credit report should nobody have access to my personal information with out my consent my life been toking from me an reporting me deceased an I still have to suffer with bad credit XXXX or XXXX why someone using my credit in my name I requested a full disclosure report from XXXX an XXXX from TransUnion an XXXX see who was using my identity

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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