BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I person used my information to open accounts without my consent. 
Police report was discovered, person was arrested. 
Accounts were fraudulently open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Bread Financial Holdings, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a {$170.00} purchase at an Ulta location. I thought that I paid with my card but a new card was setup in store and the charge placed on the new account. As I didnt remember this there was a delaying in paying for the charge. I called the customer service number and asked for the payoff amount on my account. This amount {$380.00} was setup over the phone to be paid that same day. This amount was now more than double my original purchase amount. When I got my next statement it showed additional interest was charged that was not included yet I had asked for a payoff amount during my call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-01
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I began a refinance of my existing mortgage with Amerihome Mortgage on XX/XX/ 2022. From the time I started they have consistently lied to me, provided me with 12 closing statements at least, the underwriter was asking me for statements and documents that had nothing to do with the loan. Several times I had to speak with a supervisor who agreed with me but he too lied to me. I am an XXXX american single women, age XXXX. It appeared that either my race was an issue or my age. They kept finding things wrong with my loan. I had several closing dates, several rates that were locked in and finally they came up with a figure and kept trying to convince me that they would not charge me late charges because it was their fault. Since they have lied throughout this entire process, I do not believe a word they say. Finally on XX/XX/XXXX, XXXX eve, they delayed my travel plans to send a notary from XXXX to close. I was told that the loan would finance on XX/XX/ 2022. I received a notice from XXXX that the notary forgot to have me initial something. I initialed on XXXX XXXX, 2022 and returned the document. The {$11.00}, XXXX of the proceeds should have gone to pay off XXXX XXXX XXXX This check was supposed to be overnighted to the loan company. Low and behold, the Title company was informed to send the check to XXXX which there was no record, so they informed me they would overnight the Check to me. Then I would have to send to XXXX. What this told me was they did not even know who I owed. The overnight check should have been sent on the XXXX, and I should have received it yesterday XX/XX/2022. Never came. This Mortgage company and Title company should be investigated. They have cost me additional fees in interest on the Loan that I owed, They charged me a transfer fee when I agree to a direct deposit by giving them a cancelled check, additional fees in closing cost which I am not exactly sure how much they have charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Mr. Cooper Group Inc.
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX payed the amount reported by my mortgage company on XX/XX/XXXX. My mortgage company is still showing past due and is charging me past due charges. 
I want these past due Charges removed and I want the payments applied to my account properly.. 
payments made and not credited.. 
XX/XX/XXXX {$19000.00} XX/XX/XXXX {>= $1,000,000} XX/XX/XXXX {$32000.00} Mortgage number XXXX Right Path Servicing Attn Customer relations XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

These accounts must be removed from all three credit reporting companies ( XXXX, XXXX and Transunion ) for violations under the federal laws listed above. 

XXXX  XXXX XXXX ( Charge-off ) {$530.00} XXXX XXXX XXXX ( Charge-off ) {$480.00} XXXX XXXX  XXXX ( XXXX XXXX {$1000.00} XXXX  ( Charge-off ) {$0.00} XXXX XXXX ( Charge-off ) {$48.00} These 5 accounts are charge-off - Which are being reported as debt, which is a clear violations under the federal laws listed above.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is 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 companywithout 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 this account. 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 reportsno consent is fraud. Please remove this fraudulent account : XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : {$32000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In a nutshell, Barclays is incorrectly reporting a 30-day delinquency. Minimum monthly payments had been set up since the card was opened in XXXX, but this fell off without my authorization or knowledge and caused the late payment, which is straight-up fraud. 

Below is what I sent Barclays. They responded by saying they were declining to remove the incorrect information, which is just so wrong. 

I paid off and closed my XXXX XXXX XXXX XXXX XXXX ending in XXXX in XX/XX/XXXX. I cut up the card and didnt keep any statements, so I do not have the full account number available. I am writing as the incorrect 30-day delinquent payment from XX/XX/XXXX is still appearing on my credit reports even though it was an error caused by Barclays. This issue was settled as soon as I saw it and I was told it would be removed from the reports, but it hasn't been. 

Ive always had this card set up for automatic monthly payments and it fell off without notice and I had no idea the payment hadn't been made. When I contacted Barclays about the delayed payment issue, they refunded the amount and I promptly paid the outstanding balance and closed my account. The late fee was refunded and I was told the negative mark would be removed from all credit reports. This was a lie as not only has it not been removed, they are now refusing to remove it even though none of this is my fault. 

To add another element of absurdity - as a consequence of this single delayed payment over 13 years - Barclays also reduced my credit line from {$10000.00} down to {$500.00} without any notice whatsoever. 

As if this hasnt been traumatic enough, I had a horrible experience with Barclays ' fraud department that went over an excruciating 7 months from XX/XX/XXXX until XX/XX/XXXX. They offered zero protection when they absolutely should have. I am not happy at all that there are now more issues and Im having to chase them down AGAIN to rightfully clear my name. I will never do business with Barclays again. Period. Buyer beware!

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is 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
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: FL
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 fix these erroneous accounts. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: MI
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX  XXXX XXXX XXXX : {$1400.00}

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 2023-01-03
Company: Experian Information Solutions Inc.
State: MD
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:
My name is 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 explanation
Consumer complaint received 2023-03-17
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion I have filed a report with the FTC. I do not recognize any of this stuff. I can't believe how my credit has been run. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion

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 2023-05-03
Company: FIRST PORTFOLIO SERVICING INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have made a previous complaint under XXXX to XXXX of XXXX regarding a credit card that was paid off to them in XXXX. They informed me they sold the debt to XXXX XXXX XXXX XXXX and the account was serviced by XXXX. This account should show as paid in full. The last balance was {$180.00} XXXX of XXXX and this was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: WorldRemit Corp.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I made a transaction on XX/XX/2023. World Remit did not honor their advertisement. They held my money without releasing it claiming that my ID was expired-its not! A check show that the 3rd party holds my pertinent personal information for 360 days ( no guarantee of security ). I called World Remit @ XXXX for XXXX XXXX at ( XXXX ) XXXX & spoke with XXXX XXXX I requested a supervisor. He claimed that one was not available. He gave a case # XXXX that dont exist when I called back. He claimed he released the funds XXXX. Upon calling XXXX, I was told that it was not released

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Finance System of Toledo, Inc.
State: OH
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:
My son was in a car accident in XXXX the bill was submitted to insurance but a creditor put it on my consumer report and took me to court. I showed in court with the proof of payment and the judge dismissed the case on XX/XX/XXXX. 

I have submitted proof to the credit bureaus and to the collection company who keeps telling me the attorney never updated anything after court and they won't remove this from my consumer reports. 

I have all the court papers plus the paperwork from the XXXX tort unit showing where they paid this claim. It should have never been placed on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please see attached below in which I have no knowledge nor gave consent for this account in which Im reporting as identity theft

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 2023-06-27
Company: BATON ROUGE FINANCIAL SERVICES, L.L.C.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a court ordered wage garnishment that was effective XXXX XXXX and the last payment was garnished in XX/XX/XXXX. My wages were garnished biweekly yet the loan company never reported a single payment to either of the the credit bureaus. Submitted documentation from XXXX showing the wage garnishment order was paid in full. Every single month these people never reported a payment which showed my payments were late or never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX Account number 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 2023-07-25
Company: EQUIFAX, INC.
State: FL
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: OH
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 have reviewed my credit report and have noticed unauthorized accounts on my credit report. I've asked all three agencies ( XXXX, Equifax, and XXXX ) to remove all these account off my credit report and demanded to opted out of having my information shared without my consent! I gave these agencies no authorization to share nor sell my information. I demand that this be resolved immediately. Thank you

Company response to consumer: Closed with explanation