BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-23
Company: Experian Information Solutions Inc.
State: VA
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:
On the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I sent disputes to Experian to investigate the incorrect reporting of a XXXX account ( XXXX ) on my credit. <P/>The most recent communication I had with Experian was through a CFPB complaint I submitted in XXXX. I also submitted a similar complaint with XXXX who had also been reporting this item inaccurately on my credit. <P/>After XXXX initiated an investigation, this account was promptly deleted from my report when it could not be verified as accurate or complete on my credit. I am including an attachment with XXXX  's exact response showing the results of their investigation. <P/>Experian, on the other hand, provided a different response. They stated the following : " Per your previous requests to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree on three occasions. They responded and verified that the disputed information was accurate as reported. The result summaries were sent to you for review on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. '' Experian 's response shows me that my complaint was not even taken into consideration because they reiterated that they had already responded to my dispute on XX/XX/XXXX. It was automatically disregarded as frivolous despite having information that stated and supported otherwise. <P/>The issue is that the account is not even supposed to be reporting on my credit at all. <P/>I do n't understand how this can be possible? How can XXXX and Experian 's investigations yield two different results and outcomes? This does not make sense and only leads me to believe that Experian did not properly my process my dispute when I last sent it to them in XXXX. The original complaint case number for my previous dispute to Experian was XXXX. <P/>I am submitting this complaint because this account needs to be completely deleted from my credit report. If this XXXX account is not deleted, I need a detailed explanation of Experian 's findings and I need a clear response as to why they are getting different information than XXXX for the same dispute.

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 2019-12-02
Company: EQUIFAX, INC.
State: UT
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:
Equifax received a valid police report. The Data furnishers are notifying me that Equifax isn't forwarding any police documentation to them for the negative accounts still listed on my credit report. So how are you verifying fraudulent balances on negative accounts from Equifax Confirmation # XXXX???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: DISCOVER BANK
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX, I submitted a complaint to Discover ( XXXX ), which included a Records Request of the application using my identity that was submitted to Discover to open the fraudulent account in my name. On XX/XX/XXXX, Discover responded to my complaint and acknowledged my above said Records Request ( acknowledging specifically the application request ), and Discover DENIED my Records Request. Today is XX/XX/XXXX, and Discover still has NOT complied with FCRA 609 ( e ). DISCOVER IS IN DIRECT VIOLATION OF : FCRA 609 ( e ). And also failure to comply with my FTC Identity Theft Report, number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are credit inquiries listed on my report that I did not authorize XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX FL, XXXXXXXX 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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
******CPFB***** This is regaurds to an account that has a few late payments that is on my credit report, it is reporting as joint when in fact I was never ever a joint member on this card, I have tried numerous ( more than 10 times per bureau to explain that I never once filled out an application via Phone, nor in person or by mail.I have asked for some sort of proof as to why they keep updating the file as apposed to deleting it and I get nothing.I have disputed the file so many times and each time they say that they have ammended some part wich the file is not large enough for them to have done So.The part that really gets me is that i am not claiming no affileation to the card I was suposed to be listed as an authorized user on the card I never had a card it was only to benifit my credit I was never ever responsible for the bill XXXX XXXX the primary was. They even had personal info on my file that was incorrect claiming i had an address in alaska and one in florida wich i have never lived at either address, This Account in question is a XXXX credit card for {$25000.00} the XXXX XXXX payed off I had nothing to do with it I do not so much care if the card has to stay for how many ever years but i should not have to suffeer the impact from the missed payments please advise Trans union, XXXX, and XXXX to remove the late payments or theaccount all together since I am placing my cries on deaf ears dealing witrh the unresponsive credit Bureaus thanks in advance

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 2020-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My card was used fraudulently used in XXXX someone withdrew {$880.00} i filed a complaint with BOA prepaid and they said they will investigate while they temporary gave me credit. After 2 months BOA took the funds back leaving my account in the negative and no information given to me. Call times are longer then an hour and customer service agents don't seem to have any idea whats going on when i get hold of someone they all try to transfer me to another department that " can handle the case better ''.

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 2017-06-23
Company: CREDIT ACCEPTANCE CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Two y ears ago I was contacted by a attorney 's office for the SUV that I was financing 2 years ago I sent the SUV back to the financing company because the SUV was not in working condition the financing Company Auctioned the SUV I do not know how much was the difference I owe from auctioning the SUV I did subm it three paym ents to the attorney 's office on good faith 2 years ago I stop submitting payment two years ago because I am unable to pay the {$50.00} each month I did not tell the attorney office I am currently a social security recipient I receive Social Security benefits monthly because of good faith of what I owe Do to my financial income and  XXXX  recipients I am unable to pay what I owe

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 2022-09-07
Company: EQUIFAX, INC.
State: IL
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 Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 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 2022-09-07
Company: Experian Information Solutions Inc.
State: SC
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:
******CPFB***** This is regaurds to an account that has a few late payments that is on my credit report, it is reporting as joint when in fact I was never ever a joint member on this card, I have tried numerous ( more than 10 times per bureau to explain that I never once filled out an application via Phone, nor in person or by mail.I have asked for some sort of proof as to why they keep updating the file as apposed to deleting it and I get nothing.I have disputed the file so many times and each time they say that they have ammended some part wich the file is not large enough for them to have done So.The part that really gets me is that i am not claiming no affileation to the card I was suposed to be listed as an authorized user on the card I never had a card it was only to benifit my credit I was never ever responsible for the bill XXXX XXXX the primary was. They even had personal info on my file that was incorrect claiming i had an address in alaska and one in florida wich i have never lived at either address, This Account in question is a XXXX credit card for {$25000.00} the XXXX XXXX payed off I had nothing to do with it I do not so much care if the card has to stay for how many ever years but i should not have to suffeer the impact from the missed payments please advise XXXX XXXX, Experian, and XXXX to remove the late payments or theaccount all together since I am placing my cries on deaf ears dealing witrh the unresponsive credit Bureaus thanks in advance

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 2022-09-07
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a One Time Close Conventional Construction Loan with Cardinal Financial on XXXX/XXXX/2022. 

Paid {$4000.00} for initial escrow payment at closing which was the estimated county property taxes for 9 months. 

Also paid {$1000.00} for 12 month home owner insurance policy which doesn't even go into effect until construction is complete. I had already paid for the first 12 month policy out of pocket to cover during construction. 

Since it is a construction loan, the only type of payment that is supposed to be due are interest only payments. 

My first statement showed that I owed a payment of {$1100.00} on XXXX/XXXX/2022. That included interest of {$500.00} ( all I was supposed to be paying ), as well as {$670.00} for escrow ( for taxes and PMI - neither of which are supposed to be paid during construction ). 

In addition, the statement showed that {$4000.00} was applied to my account on XXXX/XXXX/2022. However, it was then reversed as a misapplication on XX/XX/2022 and removed from my account. 

I've been emailing with servicing ( probably 10-15 exchanges ) as well as speaking with customer service agents ( probably 5-6 different calls ) since XX/XX/2022 trying to get all of this resolved. Nothing has been resolved as of yet. I received a letter dated XX/XX/2022 saying that they are approving my request to remove taxes from my escrow, which I never requested. I was also told today that they have closed my escrow account and that it will not be opened until construction is finished. However, no one can tell me where any of the money above is being held. 

Even though I'm not supposed to be paying into escrow monthly during construction for taxes, HOI or PMI, my understanding is that an escrow account should still be established and the money I prepaid at closing ( {$4000.00} for taxes and {$1000.00} for HOI ) should be held in that account until it transitions to a mortgage. 

In addition, there are taxes due on the land at the end of 2022, that I'm now being told I need to pay out of pocket because there is no escrow account, despite the fact I paid over $ 4k for escrow specifically for taxes at closing. 

All of this is in addition to the horrible experience during the initial borrowing process, in which I was being advised by someone who was not even a loan officer ( although he held himself out as such ), which I did not find out until roughly a month and a half prior to closing. That person lost their job and the company had pay a ton of concessions to attempt to make up for all the mistakes that had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I 've disputed a collection fro m Enhanced Recovery Company over a year ago, and it was successfully removed from my credit history. The company has recently refiled the collection, with an inaccurate date (  XXXX  2017 ) after it has been  absent from my profile for almost a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have asked the credit bureaus to stop reporting wrong or mis-leading information on my credit report. My name is XXXX XXXX and my address is XXXX XXXX XXXX, XXXX, NC XXXX. I sent in a copy of my license with the correct spelling of my whole name and date of birth. 

I also sent in a copy of a bill to show my address. I do not know any of the other addresses, nor am I associated with any of the other addresses that's being reported. 

I have asked the credit bureaus on numerous times to please validate, as well as investigate the accounts that they're reporting to be mine and delete the ones that are not mine. I also asked for the validation procedure because I have not heard of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX XXXX is reporting on credit bureaus. I have no knowledge of this account. 
I have asked for validation of debt. 
I have asked for proof of ownership that they have bought this debt. Original credit application with my wet signature on it. Payment history of this debt they have failed to provide validation of this debt being mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted a dispute with Equifax numerous times about reporting inaccurate information. They stated that the investigation would take 30 days and I have not received any results and it has been past the 30 days 3 times. I want this information remove as soon as possible. This information is not on any of my other credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2017-06-23
Company: ORG GC GP Buyer, LLC
State: LA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, 2017 : In an attempt to pay off this loan with assistance from a family member, I called to get my balance. It was quoted as {$8300.00}. I questioned the balance because I am being garnished for this debt. I was advised by XXXX XXXX of GC Services that I could see my debt and payments by going to www.myeddebt.ed.gov I had NO knowledge of this site before being given this information. Upon going to that site, my report indicated the balance as {$6400.00}. A payment of {$6400.00} was made. There was still an unposted garnishment payment. I was then told there was a balance of {$1100.00}. That amount was then paid. Another payment was made. It seems their " collection costs '' have amounted to over {$2000.00} on this balance. It never gets smaller. Every day they add fees and charges on claiming 'THIS IS YOUR DEBT AND FEES ARE CHARGED DAILY UNTIL IT IS PAID IN FULL. '' There is no way to get to {$0.00} with this company. The stress has affected my health. Prior to going into garnishment I was making small payments until a medical situation caused me to go into default. I submitted documentation to this company more than 4 times via certified mail. Every time I submitted something, they wanted something else. Then they decided to serve a garnishment. The more I asked how much do they charge in collection fees, the more they blew me off. I was told their fees are NOT included in my report of payments received yet they sent me the same info with nothing indicating they charge a separate fee and the percentage of that fee. I need these people out my life asap. The Dept. of Ed. needs to look into the companies they are using as servicing agents and the amount they are charging consumers. It 's no wonder people remain unemployed and do not become home owners. The fear is there! I feel their collection tactics are unacceptable as is the amount they are charging to collect these debts.

Company response to consumer: Closed with explanation