BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: VW Credit
State: NY
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:
Hello, I have had an account with VW Credit since XXXX of XXXX. I have never missed a payment or been late, however, due to an error on the company 's website/payment portal, my account was charged twice in XXXX. I was advised by VW Credit 's customer service representative in that same month to take the issue up with my bank in order to get better results. My bank tried to resolve the issue, and as a result, VW Credit reported my account as 90 days late. I have written to VW Credit twice asking for a review and made disputes with their preferred credit reporting agency, XXXX, as well as mine, which is XXXX. My credit score dropped nearly XXXX points because of this, and VW Credit refuses to fix the problem after months of effort on my part. As of today, I was able to obtain my banking statement from XXXX of XXXX, showing the payments that were made to VW Credit from my business checking account. I have attached a screen shot of those transactions below. I am also happy to provide statements for XXXX or any other month, which will show payments made to satisfy my agreement with VW Credit. 
I would also like to add that during this time I was suffering from XXXX for over XXXX weeks, and VW Credit still refused to work with me on this dispute. It is my hope that the Consumer Financial Protection Bureau will advocate on my behalf and help resolve this issue once and for all. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: Experian Information Solutions 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:
It has been drawn out into the fraudulent that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending these Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXXXXXX XXXX Balance : {$140.00} XXXX, XXXX XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$510.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 Credit Bureaus to correct these erroneous items. I think you have not validated these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-10-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Resurgent Capital Services L.P.
State: GA
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:
Per the FDCPA, I have a right to request details of any debt from a collector and if they do not respond with my ask, then they are in violation. Now, I've received a letter from an attorneys office asking me if I want to file bankruptcy due to a suit that is coming to me.

I have received collection letters from 3 different collection agencies on the same debt, and I have been writing the Credit Bureaus disputing the debt and asking for investigations and for an explanation and have not received it from the CB or nor from the collection agencies. The 1st letter was sent to the collection agencies on XXXX XXXX, XXXX. Subsequent letters were sent on XX/XX/XXXX & XX/XX/XXXX to the collection agencies. They were sent 'certified mail ' No response from them on my requests. Now they are trying to sue. Please see the letters attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Process server pounded on my door after dark on XX/XX/XXXX. Left notice to contact them to deliver a civil summons docket number XXXX for XXXX XXXX credit card debt that I was unable to pay due to losing my job during Covid. Money judgement says {$4100.00} plus court and post judgment interest. The court date on the summons was altered and a federal holiday. I have tried to reach a settlement with LVNV & XXXX XXXX XXXX, but can not get any written documentation or return phone calls. Threatening language and intimidation tactics were used. I researched XXXX XXXX XXXX and LVNV and found they have countless complaints. XXXX XXXX XXXX was sued by the United States in XXXX and ordered to stop deceiving consumers and ordered to pay {$790000.00} in restitution for consumers. I simply want to reach a settlement in a professional manner, receive supporting written and legal documentation and have them delete this from credit bureau reporting. When I asked XXXX XXXX with XXXX XXXX XXXX for documentation, she said " That's not how it's done. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: IL
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 am writing to file a complaint against XXXX XXXX XXXX that has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. The company in question has failed to provide me with the right to opt out of reporting information on my consumer report, which is a direct violation of 15 USC 6802.

Furthermore, the company is using my information for their own benefit and has inaccurately reported information on my consumer report with Experian and XXXX XXXX. The last verified section is inaccurate, the date opened is inaccurate, and the date of last activity is also inaccurate. This is a clear violation of 1681n, which states that any person who willfully fails to comply with any requirement of the FCRA with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure. 
In addition, I have sent multiple correspondences to the company regarding their violation of 1681a ( d ) ( 2 ) ( A ) ( i ), stating that my consumer report excluded information solely as to transactions or experiences. However, the company has failed to respond to any of my inquiries, which has caused significant harm to my financial standing and creditworthiness. 
I am requesting that the Consumer Financial protection Bureau investigate this matter and take appropriate legal action against the company for their violations of my rights under the FCRA and the Privacy Act of 1974. I also request that the inaccurate information on my consumer report be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: PLANET HOME LENDING, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I placed a complaint previously and the mortgage company did not do anything to correct it. The mortgage company basically regurgitated the same information I provided without acknowledging we have already paid the FULL YEAR of property taxes. I paid XXXX XXXX a full amount of {$3000.00} in XX/XX/2023. Planet Home Lending also attempted to make this payment, but XXXX XXXX refunded that payment to Planet Home Lending. 

I am enclosing screenshots that show we do not appear to have been in any 'shortage ' as Planet Home Lending would like to say. We were told our payment for XXXX would be {$1000.00} due to a shortage of {$1000.00}, yet we were sent a check from Planet Home Lending ( PHL ) for an 'overage ' of {$330.00}. If you subtract our regular payment of {$670.00} from the XXXX payment of {$1000.00}, that leaves {$330.00}. If you subtract the payment we received from PHL as 'overage ' of {$330.00}, that leaves {$2.00}. PHL 's math makes no sense- especially since we are exempt from property taxes as my husband will never NOT be a XXXX veteran. 

I am enclosing screenshots of everything. I want the FULL REFUND OWED TO US. 

Further, I will break it down to even more simpler terms that I hope everyone can understand. 

The property tax bill was {$3000.00}. Person A ( me ) paid throughout the year to my mortgage company to cover this bill. Person B ( PHL ) has my payments sitting in the account. Person A went to the tax building in XXXX and paid a full amount of {$3000.00} for the year. Person B also tried to send a payment to the tax building that was REFUNDED TO THEM as it was already paid by person A out of pocket. Person A has literally paid this bill TWICE which means Person B owes a refund to Person A in the amount of {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a notification of a credit card application at XXXX XXXX on XXXX XXXX. I has no knowledge of this application

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: Eastern Account Systems of Connecticut, Inc.
State: CO
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX sent an account that I was to be removed from years ago to collections for equipment that was returned years ago. My email address was still tied to the account. While XXXX accepted the actual account holders documentation that I was no longer responsible for the account and per csr sent Eastern account services a notice to pull the derogatory information. They have refused to do so and have resubmitted since they were told the information was incorrect per my conversations with XXXX. They have added an address to my credit report where the infraction occurred. I have never lived there. I was never contacted before this was sent to collections by XXXX who I hold a current account with that has never been late ( autodraft ) or Eastern Account systems inc. who has an obligation to do so. They were contacting the account holder and sending me to collections. My rights as a consumer were and continue to be violated by Eastern account systems. From looking on line they have roughly one complaint a day sent in to the cfpb.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 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.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My filled complaint was closed without providing me the results of investigation. Again I am disputing these items and wanted them to be removed from my report. Here are the accounts appearing 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 non-monetary relief
Consumer complaint received 2022-06-29
Company: Experian Information Solutions Inc.
State: WI
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting acXXXX XXXX XXXXXXXX, 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-10-06
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
First of all Freedom Mortgage is a scam and should be investigated by CFPB. There are stories all over the internet, XXXX, XXXX reviews, etc concerning this shady company jacking up peoples escrow requirements and refuses to provide any real explanation or accounting. 

Personally on XX/XX/23 I received notice that my mortgage payment was increasing by the substantial amount of {$1400.00} monthly. The letter provided no details outside of their being a " shortfall '' in my escrow account. I call Freedom mortgage 3 times before the end of XXXX and no one was able to provide me an explanation. Multiple times I was promised a call back or that a ledger would be mailed to be and I received nothing. 

I have continued to call Freedom Mortgage every other month when my payment is due to demand an explanation and I have never received anything I have been promised and only have encountered increasing rude and increasingly incompetent representatives who also can not explain this. Including multiple times they just hang up when they cant answer a question. 

Out of 18 calls to Freedom concerning this issue only twice have a gotten someone who tries to find an answer and both of these nice ladies have ended up saying " I don't know what to tell you '' and " this doesn't make any sense. '' I am writing CFPB now because yesterday, XX/XX/23, I received my property tax bill. It is within {$100.00} of last year. My insurance for this year is the exact same amount as I paid last year. Nothing has changed. I just gave a shady mortgage company ( Freedom Mortgage ) a XXXX loan at zero interest this year and I am not the only one they are pulling this trick on.

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