BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-06
Company: Experian Information Solutions 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 Bank Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2020-04-10
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: Information belongs to someone else

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM. SPECIALIZES IN FCRA VIOLATIONS

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 2016-07-28
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to Enhanced Recovery Corp. I had my Personal financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with Enhanced Recovery Corp. This was a XXXX XXXX Account and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Enhanced Recovery Corp. In this case the debt should be removed from my credit report and out of the office of Enhanced Recovery Corp. because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can not collect in the state unless they are register by the State of Texas and bonded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I wrote a check to my land lord for the month of XXXX XXXX XXXX for {$570.00} and it was cashed. It was not cashed by my land lord but by a Construction Company illegally. 
I had to write XXXX to replace XXXX for {$570.00} to my land lord and it was cashed correctly ; by my land lord. *At the same time this was happening in the month of XXXX, my land lord was calling looking for XXXX rent, I had already issued out my rent check for the month of XXXX, which was XXXX for {$570.00}. At that time he indicated that my rent was being raised to {$600.00} a month because of this. I supplied the cashed check showing it was cashed illegally by the Construction Company. Didn't matter so I had to issue XXXX for {$600.00} for the month of XXXX. On XXXX/XXXX/21 a deposit was issued into my acct. for {$570.00} and XXXX/XXXX/21 for {$570.00}. On XXXX/XXXX/21 {$570.00} was removed from my account as a debit by PNC. Now I am being told that my land lord has the extra {$570.00} that I am owed and I can't get something in writing explaining what happened. My land lord believes he has no extra money and expects XXXX rent. Today 's explanation was that even though the Construction Co cashed the check it still came out of my account. The {$570.00} that was removed XX/XX/21 is my actual money. 1. this should of never impacted my account in the first place. 2. I want an detailed explanation for my records & to supply my land lord who will try to evict me over this. 3. I'm not sure how I'm chasing down my money 4. they shouldn't be able to go into accounts pulling money without issuing something in writing regardless, especially when it was their errors in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I HAD A LIEN PLACED ON MY HOME DUE TO OWING TAXES TO THE STATE OF MICHIGAN, WHICH SINCE HAS BEEN RELEASED XXXX OF THIS YEAR .... PAID IT IN FULL WITH MY REFUND, ALSO RECEIVED A LETTER STATING THE LIEN WAS IN FACT PAID IN FULL IN THE MAIL. 
THE CREDIT BUREAU ( S ) NEED TO UPDATE AND I AM SURE THIS WILL HELP MY CREDIT SCORE. THANK YOU FOR ALL YOUR HELP THIS IS A WONDERFUL VERY HELPFUL SITE, I AM SURE YOU ARE HELPING MANY!! 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have XXXX negative accounts on my credit report from XXXX XXXX Bank, XXXX, and those XXXX accounts have been on my credit report since XXXX. However, in XXXX XXXX, I received XXXX XXXX XXXX Cancellation of Debt forms from XXXX XXXX Bank. I had to pay taxes on the cancelled debt and XXXX XXXX Bank received a write-off on their federal taxes. I informed each of the credit bureaus of this issue and sent copies of the XXXX XXXX forms. I requested that the negative accounts be disclosed as charged off or completely removed, because I had to pay over {$2800.00} in taxes by adding {$2800.00} to my income, and my income was already over {$70000.00}. I understand that I failed to pay my credit cards in XXXX and I accepted having the negative accounts on my credit report ; however, when the debt was cancelled and I had to pay taxes on the debt and XXXX XXXX Bank received an XXXX deduction for the write-off of the debt the aforementioned debts should have been removed from my credit report. No XXXX citizen should have to pay taxes on his or her debts and still have the debt appear negatively on their credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
FRAUDULENT INQUIRES WERE INITIATED ON MY CREDIT FILE. REMOVE FRAUDULENT INQUIRY FROM CREDIT FILE.

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 2015-08-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a student and do not have the money to be represented by an attorney or any other agency. I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Called today XX/XX/24 to tell them the covid 19 recovery modification documents did not explain why the partial claim is 44, 000 when our past due currently is 33,000.00 from covid 19 forbearance and the agent tried to say that that was with not including addtl taxes and interest which is wrong, my mortgage statement show the 33000.00 includes taxes and interest and principle. They want me to sign a loan modification with no explanation on why my partial claim is more than my past due, please help ( this is 2nd complaint here, first one no one responded, XXXX XXXX XXXX XXXX, XXXX, Mi 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 2021-11-24
Company: Experian Information Solutions Inc.
State: NE
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 don't know who can fix this, I have followed all the necessary steps and until today I have no answer.

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 2015-04-29
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am writing you this letter to dispute XXXX late payment history from XXXX XXXX XXXX due to their loan modification program that I did n't sign up for. In XXXX XXXX I was approached by XXXX about being qualified for a loan modification. I declined the loan modification, only to have XXXX hold my payments as well as give me alternative payment dates. From the information XXXX provided me I thought I was 3 months ahead on my mortgage payment, only to find out because XXXX held those payments I was 3 months behind. 

I went to refinance my home in XXXX XXXX and was told there was a hardship attached to my credit, as well as late payments due to XXXX loan modification program. I have attached a screen shot of my account showing my loan modification documents are still under review XXXX/XXXX/XXXX. I as well continue to receive letters from XXXX concerning my loan modification that I never signed up for. 

I spoke with a XXXX rep XXXX XXXX, XXXX XXXX XXXX, and both reps told me all the information I provided above was correct and that indeed XXXX did hold my payments and I was still under consideration for a loan modification. My account was escalated to XXXX home owners support specialist team. I have spoken to over XXXX people regarding this issue at XXXX several have stated that the problem would get fixed but it has n't. 

This has caused serious damage to my credit, XXXX needs to step up and fix their mistake. It took me calling XXXX for the company to even notice a loan modification was still pending on my account 4 years after I turned it down. That 's just ridiculous. 

I ask that all payments from XXXX XXXX XXXX be corrected to Payed on time due to the loan modification I never signed up for. Since disputing this information my loan has been sold. Attached you will see that I have never been charged XXXX late fee

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I keep sending my one address with electric bill and state Id with the same address to have all of these incorrect addresses removed They won't removed these invalid addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
TIAA Bank has refused to completely reimburse me for an error they made. In XX/XX/XXXX I called the bank to ask a question. My question was does TIAA Bank allow borrowing for a mortgage against a CD held in the bank. After a talk with the agent on the phone I concluded that TIAA does not do this. Later after I found a charge for early withdrawal from a CD on my XXXX tax statement, I called and was told that {$10000.00} had been taken from my CD at TIAA Bank which was paying 2.08 % interest in XX/XX/XXXX. TIAA Bank looked into the situation and told me on the phone that using their records they could not determine who authorized removing the {$10000.00}. I knew it was not me. They did reimburse the tax penalty. I asked for reimbursement of all lost interest after the bank could not put the money back into the CD. TIAA declined to reimburse any lost interest. I then complained to Consumer Financial Protection Bureau. At that point the bank reimbursed me for lost interest from XX/XX/XXXX until XX/XX/XXXX. ( The CD did not mature until XX/XX/XXXX. ) At that time ( XX/XX/XXXX ) TIAA wrote that I asked about early withdrawal from a CD on my XX/XX/XXXX phone call. I do not remember this at all. My question was can I borrow for a mortgage against a CD. TIAA told me on the phone on XX/XX/XXXX that their agent whom I spoke with about borrowing against a CD had no training on what I was asking. Because she knew nothing about this means of borrowing, her interpretation of the conversation was that I wanted to withdraw money from a CD. The agent did not tell me that she was doing this, but during the conversation she did the withdrawal of {$10000.00} from a CD as a test case. I was blindsided by this. My call was just to ask a question about bank policy. In addition, TIAA stated that at the end of the call she should have put the test withdrawal of the funds back into my account. She did not. I never suspected that the withdrawal of funds happened because my reason for the call had nothing to do with an early withdrawal. I understood why the bank was not willing to reimburse lost interest from XX/XX/XXXX through the CD 's maturity on XX/XX/XXXX while the CD was still in effect. I called and asked for reimbursement of the the remaining lost interest on XX/XX/XXXX. TIAA called back on XX/XX/XXXX to say that they denied my request. I want the interest from XX/XX/XXXX until the CD matured on XX/XX/XXXX to be returned. It is only fair that TIAA should reimburse all lost interest on a mistake which was entirely their fault and done without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: TX
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:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXXXXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy. 

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Kansas Counselors continues to show a medical bill on my credit report that is in collections and last reported XX/XX/2016. They have been notified by the courts that this was included in a chapter XXXX Bankruptcy that was confirmed XX/XX/2016. I have made multiple attempts via email to have them remove this from my credit report as a current collection account. This is making my score XXXX points less than the other credit report. They do not respond via phone or email. I have also given them my attorney 's name XXXX XXXX and phone number XXXX. They continue to ignore my complaints. Please help me to get this resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
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: Old information reappears or never goes away

Complaint:
These accounts must be DELETED. Experian has NOT send ANY PROOF OF VERIFICATION or ORIGINAL DOCUMENTS with SIGNATURE OR ORIGINAL CONTRACT of these accounts. Experian is violating my consumer rights by reporting false information on my credit report. 
These accounts below must be deleted. 

XXXX ) .XXXX XXXX  XXXX Account XXXX XXXX Balance : {$1900.00} ( This account is reporting for more than 10 years ) Must be deleted XXXX ) .XXXXl XXXX auto XXXX Account XXXX Balance : {$9100.00} ( This account is reporting for more than 10 years ) Must be deleted These XXXX accounts listed above Must be DELETED. Experian is reporting these accounts for almost 10 years now on my credit report. I have sent multiple documents in mail to Experian showing that these XXXX companies DO NOT HAVE ANY ACCOUNTS on file with my name on it or any documents with my signature on it. Experian must Delete these accounts off my credit report because these accounts have been on my credit report for over 10 years now. By LAW, the credit bureaus are only allowed to list negative items for a certain amount of time. These accounts MUST BE DELETED NOW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
I have had six contacts with US Bank XXXX XXXX credit cards to have my correct address match the address on convenience checks. I called my insurance agent for my car, affiliated with this company, He was unable to correct it nor, the party he recommended. This company refuses to read your address back after you have given it to them to make sure it is correct. My only solution is to refuse their mail ; however, they use standard ( cheap ) bulk mailing, so it is not sent back to the vendor. It is thrown in the local garbage.

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 2015-08-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Citicards mixed up my account with another XXXX XXXX living in Texas who was seeking debt relief. They turned my account over to collections XXXX. My credit card account with XXXX was among the accounts that was entered into the debt settlement agreement with XXXX XXXX XXXX XXXX. The last XXXX digits of his Social Security number is XXXX and my last XXXX digits are XXXX. After numerous attempts to have XXXX take care of this, I finally filed a complaint with the Consumer Protection Bureau. XXXX responded to the complaint last week. I am attaching my letter to the Consumer Protection Bureau along with XXXX 's letter to me. They have indicated in their letter they have requested the credit reporting agencies to delete any delinquencies related to this issue. I want to be sure this is being taken care of as this has been going on for six months and I need my credit restored ASAP. This has created an undue hardship on me and my family. My daughter is in need of a loan and needs me as a cosigner. I need to do this for her as soon as possible. Also I was not able to take advantage of a sales promotion on a car due to my credit score now being in the XXXX 's as opposed to the XXXX 's where it was at before this incident. Please let me know this matter has been taken care of and my credit has been restored. My daughter is in need of this loan. This has been going on for six months now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-15
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have been writing back and forth to you and all XXXX Credit Reporting Bureaus. Several items have been removed, however, I have requested ( 4th time ) a copy of my updated credit report from each of the agencies. Please have them mail a copy of my updated, corrected credit report w/credit score to me at : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I am still having problems with 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