BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: AUTOMOTIVE CREDIT CORPORATION
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: Account status incorrect

Complaint:
I loaned a car with Automotive credit two years ago i got into an accident XX/XX/2021 and therefore no longer had the car i spoke to a representative at the company and explained i no longer had the car and i provided my total loss paperwork to prove it. the agent told me i should be fine and i dont have to worry because i no longer had the car. my account with them is closed but is showing several months past due and the past due months were all the months i didnt have the car. and is tarnishing my credit by showing those past dues. i would like to have those past dues removed so i can go back to my previous credit. so i opened a dispute ive disputed this account 3 XXXX and have provided documents that i was never past due on this account but it hasnt made a change. someone please help me with this issue.

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 2022-06-27
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THE REPORTING ON XXXX XXXX XXXX ( ACCT # XXXX ) IS INACCURATE AND INCOMPLETE. THE COLLECTION AND REPORTING HISTORY STOPS AND STARTS SPORADICALLY THROUGHOUT THE LAST 7 YEARS ; AND HAS BEEN ENTIRELY DELETED FROM XXXX THROUGH XXXX. THE DATE OF FIRST DELINQUENCY HAS BEEN DELETED AND/OR MANIPULATED BY XXXX XXXX XXXX XXXX XXXX TO EXTEND THE 7 YEAR STATUTE OF LIMITATIONS OF REPORTING WHICH IS AGAINST SECTION ( S ) 623 ( A ) ( 3 ) & 623 ( A ) ( 5 ) OF THE FAIR CREDIT REPORTING ACT. THE DATE OF FIRST DELINQUINCY IS XXXX OF XXXX MEANING THIS ACCOUNT HAS BEEN REPORTING ON MY EQUIFAX REPORT FOR MORE THAN 7 YEARS. 

EQUIFAX HAS FLAGGED AND/OR BLOCKED FUTHER DISPUTES ON THIS XXXX XXXX XXXX ACCOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 XXXX ran my credit report on the XXXX of XX/XX/2022 without my signature or consent. I was alerted through XXXX and Transunion that they did a hard pull on my credit. I did not authorize or consent to this credit pull.

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 2022-06-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : its 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 non-monetary relief
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-11-02
Company: EQUIFAX, INC.
State: GA
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:
Re : Response to Equifax Letter Regarding Inquiries on My Credit Report Dear Equifax Customer Service Team, I hope this message finds you well. I am writing in response to your recent communication concerning the inquiries on my credit report. While I appreciate your prompt response, I must express my deep concerns regarding the inaccuracies in my credit report and the potential legal actions I may need to take to address this matter. 

In your response, you have asserted that the inquiries on my credit report are accurate and factual. However, I would like to emphasize that, as a consumer, I have the right to ensure that the information contained in my credit report is both accurate and factual. It is my responsibility to protect my financial well-being and maintain the integrity of my credit profile. 

Your letter did not provide any concrete evidence or documentation to verify the accuracy of the inquiries in question. I have diligently reviewed my financial records and have found no evidence of the said inquiries being made by me or with my consent. It is my right, under federal law, to dispute any information on my credit report that I believe to be inaccurate or not in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Ocwen Financial Corporation
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH Mortgage is refusing to speak to heirs of estate that are listed on title. Note holder died in 2013 and PHH has consistently refused to speak to heirs of the estate specifically note holders wife who is listed on title on signed the original mortgage against the property. After multiple phone calls company is still denying the right to speak about the account stating that the heirs are not authorized to speak on behalf of the deceased. We spoke to the attorney who is representing PHH Mortgage in Hawaii suing the estate and attempting to foreclose on the property but that communication has also resulting in no progress of preventing the foreclosure from proceeding against the property. I've ask the PHH representatives to explain what regulation X states and how as heirs of the estate we are not allowed to speak about the mortgage because we are not the deceased who signed the original note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, 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 Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX Credit Account XXXX XXXX, XXXX XXXX XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
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: Old information reappears or never goes away

Complaint:
I have filed a fraud report to each credit bureau. The disputed information was removed on XX/XX/18. The information reappeared on my credit reports. I have not received any written notification as to why it was added on my reports again Which Is a violation of my consumer rights. 

The information that was regarded is as follows : XXXX XXXX - {$2800.00} XXXX/ XXXX XXXX {$450.00} XXXX XXXX - {$1100.00} Inquiries : 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 2022-07-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After months of follow up, phone calls to XXXX XXXX they have failed to remove the three 30 days late reported on my credit report. This is no longer a dispute as XXXX XXXX acknowledged that their system caused a failure in my ability to pay the account. They promised to correct this, but several months have gone by and this still shows up on my credit report. This has impacted my ability to obtain a mortgage, now rates have jumped up 2 % higher causing me thousands of dollars in damages. My next step after this complaint is to file a lawsuit for damages.

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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX, has violated my rights.

16 U.S.C 1681 section 602 A. States | have the right to privacy.

16 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 non-monetary relief
Consumer complaint received 2022-06-27
Company: Colony Brands, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There is a new account opened under my name and i have not applied for this account, i have never heard of this account. This is affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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 XXXX XXXX XXXX XXXX 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 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 2022-11-29
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid 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 ordered a sofa using my Goldman Sachs card. After many delays over 8 weeks, I attempted to cancelled the order. The retailer refused to cancel the order. I opened a dispute with Goldman Sachs. A few days later, the carrier contacted me, trying to schedule a delivery of the sofa, which I refused. I provided all documentation to Goldman and just received an email that my dispute was NOT resolved in my favor due to : " The evidence we received confirms that the merchandise was delivered '', when in fact, I NEVER took delivery of the sofa. To prove this, I have the ORIGINAL email the carrier sent me back in XXXX. Subject reads : XXXX XXXX XXXX : Your order XXXX has been delivered, body states that XXXX has the items and will contact me to schedule. This email states in the subject that the furniture was delivered when in fact it was not. I suspect the retailer provided a similar email when the second attempt at delivery was made in XXXX, which AGAIN, I did not accept and refused the delivery via email, in response to the same. I have attached the email threads in PDF format of the delivery attempts, and have multiple additional emails around the XXXX week delay, if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been having serious problems with Freedom Mortgage escrow department. They are the most incompetent company I have ever done business with. A few months ago they double paid my taxes. I demanded that they remove escrow from my mortgage and I will pay my own taxes and insurance so that more errors in payment do not happen. Freedom Mortgage sent me a letter on XX/XX/XXXX stating that escrow will be removed from my account starting XX/XX/XXXX and that I am now responsible to pay for all my taxes and insurance. I then went ahead and paid my house insurance bill personally. Come to my surprise on XX/XX/XXXX Freedom Mortgage RE OPENS my Closed escrow account without my permission steals {$970.00} from me and sends it as a double payment on my insurance. Now Freedom Mortgage shows I have an Escrow Balance of Negative {$970.00}. I contact freedom mortgage spend 2 hours on the phone to be told it was there error but they still have not fixed my account yet!

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 2022-11-29
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the Citi Simplicity card. I got a denial because of too many credit inquires, three to be exact. I tried to call to speak with someone at four different phone numbers and could not even get a representative to speak with. One of the inquiries was a recently open card that I would be closing and transferring the balance to the Citi card. If a bank is going to deny you only on three inquiries there should be some one to talk to about the denial

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 2022-11-29
Company: First Technology Federal Credit Union
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
First Tech Federal Credit Union is engaging in predatory lending practices through deceptive marketing. On XX/XX/XXXX, I was sent an email ( attached ) offering a 0 % XXXX for balance transfers for 12 months and a second promotion offering XXXX bonus rewards points if I made {$3000.00} in purchases on the card in the first XXXX months. 

I called their support number to ensure by making purchases for the second promotion any payments I made would go first to purchases to avoid accruing interest before the 0 % balance. The representative assured me this was the case. 

I transferred {$15000.00} on XX/XX/XXXX and began making purchases. Despite paying thousands of dollars above the minimum payment each month, I have now been charged interest on purchases on my XXXX, XXXX, and XXXX statements. 

After repeated phone calls and emails, the XXXX XXXX XXXX XXXX shared the account opening disclosure, which includes a " How to Avoid Paying Interest on Purchases. section '' It reads : " To avoid interest on purchases after you transfer a balance, you must pay your entire balance, including any balances you transfer under in the introductory XXXX, purchases or cash advances, in full by the end of your current cycle. '' In effect, they are marketing two conflicting promotions. The first ensnares the borrower to transfer a large balance at 0 % interest and the second entices the borrower to make purchases which allows the entire balance to be subject to a much higher XXXX. 

I believe this practice, combined with the marketing emails, are predatory. I have made a complaint ( # XXXX ) with First Tech Federal Credit Union and they have agreed to reverse my interest charges and revisit their policies. 

I believe this joint promotion should immediately be discontinued. 

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 2022-06-27
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received a letter written on XX/XX/XXXX stating that I owed a debt to ( PCI ) ProCollect Incorporated ( XXXX XXXX XXXX XXXX  ) in the amount of {$120.00}. Answered an incoming call from PCI on XX/XX/XXXX. Advised phone representative after I validated identity on a recorded line that I did not want to receive any more phone calls and all correspondence going forward I wanted in writing. On today, XX/XX/XXXX, I went on to PCIs website to dispute the charge electronically. Received another call today on XX/XX/XXXX at XXXX XXXX from yet another PCI associate attempting to collect the supposed debt of {$120.00}. I asked the associate if she saw the dispute that I submitted online. She responded by saying that what I submitted previously was unacceptable to file a dispute. That was an outright LIE because I NEVER submitted ANYTHING to PCI previously. I also mentioned to her that I had previously asked that all correspondence be in writing. She ignored me at just kept on talking trying to collect. I then asked to speak to a supervisor. The collector then responded by saying, this is not a supervisor matter and all I am concerned about is collecting payment Clearly CLEARLY my legal rights were violate and I would like for the CFPB to pursue legal action against PCI.

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 2023-12-06
Company: LEXISNEXIS
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX and XXXX me and my ex husband XXXX XXXX owned properties in XXXX CA. He indicated to me that we where losing them in foreclosure. He unfortunely went behind my back and filed for bankruptcy to save the homes and continue collecting rent. I was never made aware of this. He filed joint bankruptcy paperwork without my knowledge. My next step is to file a police report with the XXXX police dept. I am unsure if he filed taxes in those years also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Huntington national Bank made error on my credit report statement saying that a loan was never paid and I still owe a outstanding balance for XXXX to all 3 credit bureaus saying that 0 % was paid but on their database it is paid in full sent information before due date to credit bureaus as unpaid when it is paid in full at the bank credit bureaus still says I have a outstanding balance of XXXX that 0 % was paid on this loan so every credit bureaus has dropped my score now it was a error at the bank as I set up auto pay to have all payments deducted but they never did instead they reported to credit bureaus as unpaid 0 % payments made but ther database it is paid in full as I have bank statements to prove it but credit bureaus all have it as outstanding balance that 0 % was paid on loan all three credit bureaus dropped my score I worked hard to get a good score now the bank has ruined it for me it was there error I was set up with auto pay with them but they never took payment instead they submitted false information to credit bureaus as not paid I dispute it but not getting any results just dropping my credit scores with all credit bureaus now as of there mistake I did nothing wrong it was the banks fault payment wasn't even due yet for one and I paid in full before due date plus I was set up for auto pay with them this should not have happened at all people work hard to get good credit now they destroyed my lively hood

Company response to consumer: Closed with monetary relief