BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm filling this report because, I check my credit and notice so many fraudulent Activity on my credit it seem like whoever stolen my Identity was out of control. they was running my credit with so many different major Companies. I would like to put a fraud alert on my Credit. these Accounts that's on this report I did not authorize these Accounts needs to be off my credit. 
thank you

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 2022-06-15
Company: Experian Information Solutions Inc.
State: LA
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 did not receive any notification about my letters for them nor results from the information I have disputed.

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 2021-11-04
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on SUNRISE CREDIT SERVICE; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal 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 explanation
Consumer complaint received 2021-01-30
Company: DISCOVER BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2021 Discover Bank called me to alert me about suspicious activity on my checking account via mobile deposit. After confirming that I did not make an attempt to deposit the item for {$2300.00} the agent recommended closing the account & opening another. I explained that a deposit from TN department of labor was due to be deposited the next day for {$3600.00}. The agent ( XXXX ) then said that she could freeze the existing account & wait to close it until after the deposit. I agreed. I called to follow up yesterday as the deposit hit as expected. The agent I spoke to was unable to close the account due to items not fully posted. I was instructed to call back today. I called back today & not only am I not able to open a new account. The agent closed my existing account & will not return my money. 
The balance prior to the {$3600.00} deposit was {$130.00}. My total funds due to me are {$3700.00}. I expect this to be expedited immediately as this is work compensation & federal funding. I do not care to do business with them anymore, they can close whatever they want. I want my money immediately. They can not garnish my money & do not have a court order. Since I no longer have access to the account I can not see what is being done with my funds which are exactly that, my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had this card for nearly a decade and it was closed on XX/XX/XXXX. I contacted them on XX/XX/XXXX to reopen the card. The agent told me a hard pull on my credit was necessary and they might reopen the card in 5-10 business days. I spoke to the complaint manager in the evening of XX/XX/XXXX and he told me they were not going to reopen the card due to adverse marks on my credit report. There is one card since XXXX with adverse information. This card was opened by a family member without my knowledge and later paid off. I have proof from the card holder XXXX stating as much. The complaint manager said I could submit documentation by mail and I will mail that off later today, but I made it very clear I was extremely dissatisfied with this service. I have had autopay on my Citi cards for years and my payments were always timely. One card not even opened by me should not be grounds for them to refuse to reopen the card I've had nearly a decade. Citi also should be required to email/call customers prior to closing accounts. I am in the process of buying my first house and this is my longest line of credit. Losing it will severely impact me negatively in that process. 

XXXX has already corrected this erroneous balance of XXXX and I have disputes with the other credit bureaus in progress.

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 2022-06-15
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  XXXX  XXXX  account # XXXX, XXXX XXXX XXXX  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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
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:
Please take notice that I have taken all necessary step in supplying all needed evidence in order for the corporation ( s ) XXXX/EXPERIAN/XXXX to adjust and remove all negative reports from my credit file. As of X/X/2017 it is still reflecting the negative remarks as of XX/XX/2017, which is hindering me from any future financial growth. I am informing you of these direct '' violations '' with the desired outcome of you helping me in getting said violation removed from my credit report. as of today I will fax you copies of said completion on my behalf. Please help me help myself.

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 2022-01-29
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I went to my mailbox and retrieved several pieces of mail in that mail was a XXXX debit card issued from TD Bank that I never applied for. 
Further inside of the mail was a statement issued from TD Bank of a returned check that was deposited to this account and an overdraft fee associated because of altered or fictitious check. 
This check was deposited in XXXX Maine TD Bank I contacted their fraud department and I have reported this they have intern began their investigation of this so now I am reporting this particular issue to you There are also several others within the mail which I will file complaints with also after I have contacted these companies to file complaints Check deposit date of XX/XX/2022 Check was identified as fictitious Check was drawn from bank labeled XXXX & XXXX for an amount of {$1900.00} & labeled as a XXXX  check On the signiture is the name XXXX XXXX XXXX and typed for deposit only

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: AmeriHome Mortgage Company, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After coming off a COVID19 Forbearance XX/XX/2021. I have tried to reach out to my lender by all attempts via telephone, via email and via mail after notifying my lender I can resume to payment what is the next time. My lender sent my a denied letter for all COVID19 due to XXXXien on my property and the steps to appeal. I immediately appeal requesting documentation of a lien on my property which I never received any documents from my lender. I finally got a hold of my lender in XX/XX/2021 and i was able to explained my situation and asked for assistance to resume to payments. What I thought my lender provide in XXXX was a nightmare i received a notice saying my property was being foreclosure I immediately reached pleading for HELP. I have now sent over my loan modification packet to learn I am missing documents. Which were medical docs proof showing my COVID19 records. I have a FHA loan is this the rule or process for my loan modification after coming off of a covid19 forbearance. I need help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
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: Account information incorrect

Complaint:
TransUnion has violated my consumer rights. They will not remove or fix a XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.

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 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
We need to have the mortgage balance amount corrected to reflect what is on the last month mortgage statement ( attached ). There are two balance amounts on the statement. 

There is an Interest Bearing Principle amount of {$180000.00} and right below that amount is showing as " Outstanding Principle '' of {$180000.00} - we're told that either should be reported to the Credit Bureaus. 

The amount being reported to all three credit bureaurs is " {$190000.00} We called into XXXX to find out why the amount reported to the bureaus exceeded the amount on the XXXX monthly statement, but did not get an concise answer or heard anything that made explained the amount.

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 2022-06-15
Company: Experian Information Solutions Inc.
State: GA
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:
Today, I pulled my consumer reports and I have noticed once again that the consumer reporting agencies are not upholding their responsibilities by ensuring that my reports are at the maximum accuracy. My personal information has outdated addresses and incorrect names listed on there which need to be removed. There are multiple accounts where they have wrong open dates, reporting dates, credit limits, payment statuses, and etc. How can they keep saying that they are following their responsibilities under the FCRA but there are multiple inaccuracies 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 2022-06-15
Company: EQUIFAX, INC.
State: GA
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:
Today, I pulled my consumer reports and I have noticed once again that the consumer reporting agencies are not upholding their responsibilities by ensuring that my reports are at the maximum accuracy. My personal information has outdated addresses and incorrect names listed on there which need to be removed. There are multiple accounts where they have wrong open dates, reporting dates, credit limits, payment statuses, and etc. How can they keep saying that they are following their responsibilities under the FCRA but there are multiple inaccuracies on my consumer reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions Inc.
State: MD
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:
We need to have the mortgage balance amount corrected to reflect what is on the last month mortgage statement ( attached ). There are two balance amounts on the statement. 

There is an Interest Bearing Principle amount of {$180000.00} and right below that amount is showing as " Outstanding Principle '' of {$180000.00} - we're told that either should be reported to the Credit Bureaus. 

The amount being reported to all three credit bureaurs is " {$190000.00} We called into XXXX to find out why the amount reported to the bureaus exceeded the amount on the XXXX monthly statement, but did not get an concise answer or heard anything that made explained the amount.

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 2020-01-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I requested an escrow analysis with PennyMac because I was fully aware that I had a surplus of {$2600.00} in my escrow account. PennyMac completed an escrow analysis on XXXX XXXX and has issued a check to me in the amount of {$650.00} leaving my escrow account with a surplus balance of {$1900.00}. 

In accordance with 12 CFR Part 1024 - Real Estate Settlement Procedures Act ( Regulation X ) 1024.17 Escrow accounts. ( 2 ) Surpluses. ( i ) If an escrow account analysis discloses a surplus, the servicer shall, within 30 days from the date of the analysis, refund the surplus to the borrower if the surplus is greater than or equal to 50 dollars ( {$50.00} ). If the surplus is less than 50 dollars ( {$50.00} ), the servicer may refund  such amount to the borrower, or credit such amount against the next year 's escrow payments. 

My original loan contract signed at closing and the state of Texas does not require me to leave a surplus in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: BARCLAYS BANK DELAWARE
State: OR
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020 a fraudulent charge of {$4000.00} was made with a convenience check on my Barclays credit card account. There was also a {$160.00} balance transfer fee that was charged to the account when the fraudulent check was used. Barclays has investigated the matter and credited me the {$4000.00} back HOWEVER they have not credited back the {$160.00} fee for the {$4000.00} check and it has now ballooned into {$230.00}. They continue harassing me with collection phone calls and yet when I call them I can not get through to the proper person who can do something about it. Its been over a month and Ive made dozens of phone calls. This is an abusive practice and I believe they deliberately make their phone system borderline impenetrable in order to avoid customers. It is unfair that this charge could go into collections and negatively affect my credit report. They need to resolve this matter of the fraudulent fee. I spent over 3 hours on the phone today and the lady I was speaking to kept apologizing but said she simply didnt know who to contact. These are abusive and unfair practices toward the customer and I hope youll work to resolve this with Barclays.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-09
Company: ALLY FINANCIAL 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:
On XX/XX/2019, I went to XXXX XXXX in XXXX to inquire about a vehicle they had for sale. The sales agent asked me some verbal questions about my income, credit, etc. I explained that I was working to repair my credit. Agent asked if the finance manager could " check my credit '' to see what the score was. It was low. I told him I was not interested in going any further. I did not fill out an application and I DID NOT authorize XXXX verbally or in writing to " shop me around '' to various lenders, who each pulled their own HARD INQUIRY. I was not aware of this until a later date. I reported this crime and misuse of my personal information to XXXX and nothing was done. XXXX does not permit a dispute for all these inquiries to be done on line. So, I called in. There is no option to speak to a person. So, how am I supposed to dispute this????? I did not authorize these and XXXX XXXX has significantly harmed by credit rating and XXXX   is not available to assist. Can you help me with my compliant against XXXX and 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 2022-06-15
Company: Duvera Billing Services, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They illegally used my card for an account that it was not associated with. I told them more than twice to not do that. They continued to do it anyway. I paid my debts, yet they kept sending it back to the bank causing me to be further in debt with the collector. The first time they sent a letter to send to debt collectors they never said it would be in-house collection, and that it would go into effect after 15days. They continued to allow their collection department to use the same card I told them from the beginning to not use. At this point its harassment. From the beginning it was a scam company that I should have done my research before giving them access to my bank account.

Company response to consumer: Closed with explanation