BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-26
Company: U.S. BANCORP
State: ID
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:
I paid my mortgage online on XX/XX/XXXX from a saved value within the US Bank online portal. A popup confirmed my payment. I received a letter in early XXXX that payment not received. I called and two representatives reported not receiving payment. Called back and a representative reported she saw my payment on XX/XX/XXXX and that their system canceled it. NO ONE since has admitted to it. I corrected it by paying on XXXX and XXXX on XXXX, due XX/XX/XXXX. I made a reporting to the credit bureaus, US Bank stated I was late and refused to correct, but they did correct the XXXX, but not XXXX or XXXX. I appealed to their credit dispute department, and they stand behind that I was late although I referenced the proof of their representative and name and date and recording number. I again appealed to the credit bureaus, they again denied to fix. I called and the representative stated her computer shows XXXX late, She insisted, but the credit bureaus shows XXXX 30 days late. I received a letter with crazy story about how they are entitled to show XXXX late because they have a late XXXX payment. 
I have again appealed to US Bank. I have now been made aware that US Bank is fully aware they had a technical problem in XXXX that canceled members payments and they tried to adjust for the problem by not make reporting to the credit bureaus in a data dump in XXXX of 30 days late while trying to repair the problem, and only did in XXXX the data dump to credit bureaus of late payments. When they reported in XXXX, it picked up the incorrect data about my late XXXX payment, and I am sure many more, and reported XXXX as more then 30 days past due. 
Never has my account been 30 days past due. 
I am obviously not the only person effected, and they refuse to fix peoples credit reports when reported and lie about the ongoing technical problems. 
They should have fixed the late reports retroactively knowing they had a problem, advised customer service to handle these as priority and repair, instead they continue to keep bad reporting and lie about their faulty technial issues.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There is a FRAUDULENT item on my credit report ( XXXX  XXXX XXXX XXXX ). After sending Dispute Letters with FTC report and complaints here in CFPB this negative item is STILL reporting and my complaints have NEVER been resolved. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding this fraudulent item for assistance to remove it from my credit report immediately.

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 2023-02-07
Company: Experian Information Solutions 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:
The vehicle was repossessed by about, XX/XX/XXXX XXXX XXXX and was resold on XX/XX/XXXX. 
Under the laws of the State of ILLINOIS and XXXX XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. There was NO provided copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. Since no such proof was provided within 30 days from receipt of the notice, the alleged claim of a deficiency is to be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the XXXX  and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Direct Recovery Services, LLC
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A bankruptcy is listed on my credit report along with a creditor by the name of XXXX XXXX XXXX. My identity was compromised and I need these items removed and block as a result of me not creating a relationship with neither company. 

I have never filed a bankruptcy. I have tried contacting the court concerning this matter several times. Please assist.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: MS
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1600.00} XXXX  XXXX Balance Owed : {$5800.00} XXXX XXXXXXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Thaxton Investment Corporation
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: Reporting company used your report improperly

Complaint:
Heights Finance continues to frivolously report to all major credit bureaus late payments in a blatant attempt to make my credit suffer although they have a judgement in court against me! They are reporting late payments although they have a attorney and judgement on me a {$5000.00} loan has turned into over {$12000.00} they are adding excessive interest knowing I am the " Head of Household '' and only required to pay 10 % a check pursuant to Mo law, and therefore will unfortunately never be able to pay it back! They refuse to help or be understanding of my " low income '' and being below federal poverty levels, they love to charge 50 % interest even though they have a judgement for that it is definitely highway robbery! Shame on Heights Financial for not being understanding and allowing me a payment arrangement without the 50 % interest I have to work as self employed as I unfortunately won't ever be able to pay them back with such high interest rates and plus reporting bad to credit is so unfair!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, I went to the emergency room at XXXX XXXX, 100 % of the bill was covered by my insurance company, XXXX XXXX XXXX XXXX, including all imaging and all department involved in the emeregency. But Grant and Weber send me a notice of collection from XXXX XXXX XXXX for the amount of {$380.00}. 

I disputed the amount before XX/XX/XXXX by sending an email to Grant and Weber as I was indicated, I expressed that all expenses from XX/XX/XXXX were covered by my insurance. so they should have stopped collection or any amount I disputed until they send my information that shows I own the debt, which they NEVER did. 

I called XXXX XXXX and they told me that I owned nothing. ( see attachments ). and my balance is {$0.00} as all the bill was picked by my insurance company and paid in full. 

Regardless Grant and Weber reported to the credit bureaus and every month they charge interest. And they are reporting to bureaus as missing payments every month instead of a collection. So my credit is dramatically hurt every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I use citibank Custome cash card ending number XXXX In XX/XX/2023 my balance is XXXXXXXX XXXX i have to pay XXXX XXXX interest In XX/XX/2023 my blance is XXXXXXXX XXXX i have to pay XXXXXXXX XXXX  interest In XXXXXXXX XXXX my balance is XXXX USD i have to pay XXXXXXXX XXXX interest I think they will charge me around 25 to 30 % per year but now i can see they charge me more than 10 % to 20 % per month... 

I cant explain how many people who suffered like me, this is un acceptable and abuse client, many people dont have time to look at this and they have just to over pay for whaty they are told to pay

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 2023-04-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2023-04-09
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2023-04-18
Company: Freedom Mortgage Company
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We need to close an Escrow Account with Freedom Mortgage due to a change of insurance that was with XXXX XXXXNew insurance more reasonable.We are paying the new insurance directly from our account. No need for an Escrow. My husband 100 % XXXX  tax exempt.. 
Freedom Mortgage refuses to remove Escrow which leaves us making a high mortgage payment because money for Escrow is included.New insurance effective XX/XX/. 
Old insurance ended XX/XX/2023 XXXX sent proof of our new insurance to Freedom Mortgage which Freedom mortgage acknowledged that they received.

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 2023-04-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 2023-04-18
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sold the XXXX  XXXX XXXX to XXXX XXXX XXXX at XXXX XXXX, Michigan in XXXX. XXXX and they transfer XXXX dollars from their Chase business account to my personal Chase checking account. On XXXX. XXXX, it said the money is delivered on the dealer end but i never got it so i went to a branch ; the advisor said give it another day. Today is Tuesday, the XXXX. The money is still missing and I made my second trip to the branch and got the same response : wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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: Information belongs to someone else

Complaint:
I am writing today concerning the following incorrect information on my file, which is a closed XXXX XXXX XXXX, this was opened on XXXX XXXX  and was closed in the amount of {$3100.00} and a collection by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the amount of {$740.00} which was opened on XXXX XXXX. I am an unfortunate victim of identity theft due to the fact that i had no knowledge or participation in the opening and closing of these accounts, as a result, i went to identitytheft.gov as soon as i was aware, which was of XX/XX/, to report these incorrect reports that adversely affect my public confidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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:
I recently received a copy of my consumer reports from XXXX, XXXX, and TransUnion. I noticed that one or more is reporting my customer experiences.

Some of my lines of credit are characterized as ( utilization ) on my consumer reports and are being illegally reported. How I choose to utilize my credit lines is my EXPERIENCE ( utilization ) between myself and the credit issuer.

This is in clear violation of the law pursuant 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( CREDIT ISSUER ) making the report is NOT INCLUDED on my Consumer Report.

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction experience ( utilization ) on my consumer reports when CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

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 2023-04-09
Company: Experian Information Solutions 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. 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 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 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 2023-04-18
Company: EQUIFAX, 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, XXXX # XXXX, XXXX XXXX # XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX # XXXX 15 U.S.C 1681 Section 602 A States I have the rights to privacy 15 U.S.C 1681 Section 604 A States A consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX 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 non-monetary relief