BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-27
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian has been notified that a judgement against XXXX XXXX XXXX had been satisfied on XXXX XXXX yet still remained on my credit report dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. My credit score over the past 3 years has adversely affected my this Company 's ( unknown reasons ) lack of attention to this matter. Please help! 
See attached satisfaction reference file # XXXX I discovered that bureau 's are reporting my credit accounts and personal history that date back 31 years. Is this legal?

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 2016-12-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I requested validation of a bankruptcy on my credit report reference number # XXXX, providing me with any viable evidence submitted by United States Bankruptcy Court to validate this bankruptcy. Experian failed to provide me with validation and only provided me with a letter stating that it remains on my credit report. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt or public record.

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 2016-01-10
Company: RoundPoint Mortgage Servicing LLC
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
they used my house payment to pay escrow, then reported that my house payment was late!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: CCS Financial Services, Inc.
State: OK
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:
You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe XXXX XXXX XXXX and XXXX. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received my {$5000.00} check from the State of CA. I deposited it on my account last XX/XX/2018 and there was a hold. I called the customer service about the hold and I was told it is federal regulations and I am ok with that. However on Saturday, XX/XX/2018 after I checked online, all the funds were released. However, last XX/XX/2018 my account was blocked and was told that there is fraud in my account due to the check that the State of California Return to Work Supplement Program sent to me. 
Upon knowing that my check was cleared, I started paying bills and credit cards. However, they were all returned due to the blocked that Citibank put on my account.

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 2022-10-08
Company: Stephen L. Bruce, P.C.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Date XX/XX/XXXX Amount : {$15000.00} Actions : Summons from, The District Court of XXXX XXXX, State of Oklahoma. 
Plaintiff- XXXX Filed : XX/XX/XXXX Attorney : Stephen L. Bruce XXXX XXXX XXXX XXXX XXXX OK XXXX ( XXXX ) XXXX XXXX  XXXX XXXX  has been handling my debt consolidation since XXXX, XXXX. They reached out to XXXX and Attorneys office with no response from either. I have been paying a large sum of money monthly to XXXX XXXX, XXXX XXXX XXXX who has been negotiating a settlement. Now XXXX wants the full balance due paid in full.

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 2020-08-04
Company: EQUIFAX, INC.
State: IN
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2016-12-15
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
CREDIT REPORTING AGENCY SAYS THEY VERIFIED A BANKRUPTCY ON MY CREDIT FILE. THEY REFUSED TO IDENTIFY THE SOURCE OF THE VALIDATION. I CONTACTED MY LOCAL FEDERAL COURT HOUSE AND WAS INFORMED THAT THEY DO NOT VERIFY BANKRUPTCY INFORMATION. SO IF THE CREDIT REPORTING AGENCY CAN NOT PROPERLY VERIFY THIS PUBLIC RECORDS ON MY PERSONAL CREDIT REPORT THEY NEED TO REMOVE THIS PUBLIC RECORD AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT. THIS IS IN DIRECT VIOLATION OF THE FCRA..

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 2015-09-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
1. I have previously disputed the XXXX XXXX, Acct number -- -Account Number : XXXX, with Experian. 
2. Experian claims they have verified this account, please see the dispute results attached. 
3. No Credit Card account has EVER been established by me, with XXXX XXXX. No card, was received, no activation occurred and XXXX has NO history of this accounts existence. 
4. Please delete this inaccurate account. 
5. Please provide the Method of verification, along with the Name, Address or other contact details utilized in your investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXXXXXX XXXX is reporting that I opened a card XXXX XXXX XXXX  I did not. 
Their reporting XXXX XXXX usage of {$200.00} This is not my account.

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 2016-06-16
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I received a letter from XXXX indicating my credit score was low. When I called Experian regarding this, they said they had nothing to do with the score, that I would need to contact XXXX. I asked them why it was so low, and they could not tell me why. 
they only wanted me to by my credit score. Which I already know.

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 2022-10-08
Company: Credit Karma, LLC
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was a victim of Credit Karma preapproval scam. I was preapproved for several credit cards, then when I applied, I was denied. Each time they checked my credit which in return caused a dramatic decrease in my credit score. I am expecting to be compensated from the results of this lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
the information that appear on my credit report was identity theft not belong to me. According to the law it should be remove completely your investigation is not complete.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: CITIBANK, N.A.
State: NY
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 been a member of Citibank since XXXX. Today, I received an email saying that my account was closed. In my 22 years with Citibank, I have never been late, and never not paid my statement in full. Perhaps one or two times, did I have a service charge for cash advance fees. Essentially, I was a model credit card holder for the company. Then, today, XX/XX/XXXX, I received an email that my credit card was closed. I thought it was a mistake as I have had no problems with Citibank. I called and they said I had not used my card since XX/XX/XXXX and they closed it on XX/XX/XXXX. I did not have any warning and never was informed that I had to use my card during the Pandemic or during tough financial times in order to keep my account open. When I called to try to get my card reopen because it is the oldest card on my account, and would have a negative result on my credit report, they would not do so. They were unapologetic and did not care at all that I had been a member for so long. And the representative " XXXX '' said that they have a right to cancel my account at anytime and for no reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: HI
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'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX  XXXX Balance Owed : {$0.00}

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 2023-02-24
Company: Rocket Mortgage, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced with Rocket Mortgage and they admittedly miscalculated a payoff amount and entered the wrong payoff on my closing disclosure. They sent a payoff to my existing mortgage company that was roughly {$700.00} short and every day interest is accruing on that remaining balance. Rocket Mortgage wants me to be solely responsible for their error in incorrectly entering a payoff amount on my closing disclosure when they had the correct payoff amount from my former mortgage company the whole time. They are saying that the compliance agreement I signed at closing protects them from any liability in errors they make or for money they fail collect at closing. However the agreement does not cover my specific situation, nor does it itemize incorrectly disclosed figures on the closing disclosure. Rocket mortgage offered to pay some of the payoff shortage ( less than half ) but this is not an error that I should be responsible for. I read over my closing disclosure and trusted that it was accurate. I trusted Rocket Mortgage to handle my refinance with care ; however, I am extremely disappointed and worried about the consumer harm I will experience if they do not correct this issue. Interest is accruing daily and this is resulting in a larger remaining balance on the mortgage that I refinanced through Rocket Mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-26
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX of 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Today is XX/XX/XXXX. On the XXXX of every month for the last 15 years I have had a student loan payment due with Navient. I have reached out to them several times as to why when my payment is due on the XXXX I log on and they are showing my account PAST DUE. I then attempt to specify a certain amount which is above and beyond their PAST DUE AMOUNT and they automatically change the amount so that I am not able to pay the extra I am intending for the loan. I have two loans with them and one is almost paid. I am attempting to pay extra to pay it off and they reduce the amount I intend for that loan to purposely stretch it out further. Every time I contact them I get no response. I am assuming the showing of a loan PAST DUE will calculate additional interest and late charges so that they can gouge the loan holder additional funds. I have attached the loan screen as of today. 
Make payment on XX/XX/2022 Calendar for payment date selection Effective same day if made by XXXX p.m. ET Pay from Acct * XXXX - XXXX XXXX XXXX Add a new bank Input Payment Amount with : Input Payment Amount with : Specify Amount Amount Due Past Due Loans to pay Loan Current Balance Interest Rate Due Date Amount Due Payment Amount XXXX Consolidation {$3000.00} 7.250 % XX/XX/2022 {$240.00} XXXX $ Past Due ( included in Amount Due ) {$120.00} XXXX XXXX XXXX$390.00} 7.250 % XX/XX/2022 {$45.00} XXXX $ Past Due ( included in Amount Due ) {$22.00} TOTAL {$290.00} XXXX These folks are gouging every loan holder anyway possible to charge additional fee 's or stretch the loan out as far as possible to collect additional interest. There is no detailed statement available so they calculate fee 's as they see fit without answering to the borrower. I have simply had enough of their games.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, the original creditor and consumer received a disrespectful debt collection letter from Nationwide Credit , Inc attempting to collect a supposed debt. The debt collection letter stated that Nationwide Credit , Inc is a debt collection company. With that being said, Nationwide Credit , Inc are subjected to follow the 15 USC Subchapter V-Debt Collection Practices by LAW. Nationwide Credit , Inc violated 7 laws multiple times within the Debt Collection Practices and are criminally and 15 USC 1692K civilly liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, 2021. Honda Sales Consultant at XXXX, OH : XXXX XXXX input wrong SSN # of client in 'Honda 's " bank system. 
My credit score was dramatically down of his error.

But contract was signed with correct SSN # at the same date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 
INQUIRES XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2021

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