BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Dear Sir, lady XX/XX/XXXX my score with Experian was XXXX. 
XX/XX/XXXX Experian lower my score XXXX points to XXXX for no reason whatsoever without an explanation. 
I expected my score to be raised since I have no outstanding debts, no late payments, no inquiries since XX/XX/XXXX and just paid back in full to XXXX card the {$1900.00} used to buy airline ticket to the XX/XX/XXXX Holidays with my family in XXXX. 
My score with XXXX is XXXX as of XX/XX/XXXX. 
I want file a complaint against Experian Regards, XXXX XXXX Last XXXX digits of my Social Security : 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 2021-12-13
Company: Experian Information Solutions Inc.
State: AR
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XX/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
Consumer complaint received 2021-12-13
Company: EQUIFAX, 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:
I noticed my scored dropped. After checking my report I notice these accounts should not be on my report and need to be removed. I don't have a contract or own these accounts. 
XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX {$670.00} XXXX  XXXX XXXX XXXX {$670.00} XXXX XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Search the Web Pull Down to Refresh Drafts MORTGAGE COMPLAINT XXXX to None XXXX Details I truly wish I knew what happened!! I 'm enclosing a statement of activity sent to me by XXXX and the list of my monthly payments dating back to XXXX 2014. 

I ca n't make heads or tails out of what they have concocked!! I REALLY CA N'T. SERIOUSLY!!!!! 

Resolve by Explaining these unfamiliar entries. Why are there LAWYER FEES? Why are there UNAPPLIED MORTGAGE PAYMENTS? Why are there other incidental FEES when this mortgage was paid EACH AND EVERY MONTH ON TIME AND HAS AGREED?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Rent Recover, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contacted the " original creditor '' XXXX to inquire about an apartment and filled out an application and told them not to process the application. They processed the application without my permission, I disputed the {$75.00} charge with my bank and it came back that I in deed did NOT sign off on anything and my back refunded my money after my attempts to get in contact with the company who owns the apartment to get a refund. Now they have sold this account to " rent recovery '' and it shows up on my credit report. This account is frivolous and must be removed as soon as possible or I will take legal action against XXXX and Rent Recovery

Company response to consumer: Untimely response
Consumer complaint received 2017-04-11
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Credit Management , Inc. is sending my client, XXXX, letters stating she owes money on a credit card debt she never had. They need to stop sending her false information or prove that the debt is valid, which we do not believe that is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-12
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage lender short paid our property taxes. 
XX/XX/XXXX - property tax due date XX/XX/XXXX - property tax short paid by mortgage lender XX/XX/XXXX - property owner notified by county tax department of unpaid balance XX/XX/XXXX - property owner provided written notice to lender of unpaid balance and requested written verification of successful tax payment XX/XX/XXXX - property owner called lender, lender verified receipt of owner 's request to pay balance due XX/XX/XXXX - property owner received marketing call from lender to refinance and take advantage of equity. I requested status update for unpaid property taxes and was transferred to a different attendant who confirmed receiving my request to pay unpaid taxes. 
XX/XX/XXXX - property owner confirmed through county tax department that tax was still unpaid. 
XX/XX/XXXX - property owner contacted mortgage lender for status update. Lender stated that internal departments were processing my request and confirming amount of unpaid balance. Lender stated their target payment date of XX/XX/XXXX. Property owner stated XX/XX/XXXX as unacceptable. Property owner was transferred to escalation department. Lender attendant stated they would attempt to resolve sooner than XX/XX/XXXX and would contact me after 3 days to provide status update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I did not authorize inquiries for this companies, I have never sign writen authorization. Inquiries have no permissible purpose. 
XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 Amex XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Convergent Resources, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX account was closed in XXXX of XXXX. In XXXX of XXXX we received a statement for a balance due for equipment. We returned all equipment. XXXX months later a collection agency put the amount on credit reports. We showed the equipment was returned and the collection was removed in early XXXX by Credit Protection Association ( collection agency ). 

In XX/XX/XXXX the collection from XXXX showed up on my credit again. This time reported as new, even though the original claim was from XXXX. I have tried to work with both Convergent and XXXX and neither are acknowledging that the debt was related to equipment, nor that this is being reported inaccurately. By re-reporting the same debt from XXXX in XXXX, they have damaged my credit score and ability to purchase a home.

I have now been told this was not for equipment but rather for services. If I had been told this was for services in XXXX I would have paid it. But I was told it was for equipment, validated equipment returned, and collection was removed. I have since paid the amount in full since XXXX provided a breakdown of the final balance due. However, by falsely telling me two years ago this was for equipment and agreeing I did not owe it, I am not being penalized by the resurfacing as a new collection. 

Date is XX/XX/XXXX Reported on XX/XX/XXXX Originally reported on XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Acct # XXXX Statement on XX/XX/XXXX references equipment. Removed in XXXX following conversation with collection agency. 

Currently reported by : Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX XXXX, WA 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 2021-12-13
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$470.00} Inquiry : XXXX XXXX XXXX  Inquiry Date XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Experian XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : .XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$500.00}

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 2021-06-15
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
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:
I did not authorize inquiries for this companies, I have never sign writen authorization. Inquiries have no permissible purpose. 
XXXX XXXX XXXX XXXX  XX/XX/2020 FNB Omaha XX/XX/2020 XXXX XX/XX/2020

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 2017-04-13
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage was sold to US bank. The indicated that insurance was required. I have provided them copies twice. It is a condo policy. After the first time I sent it in ( XX/XX/XXXX ), they indicated that my name needed to be on the policy, not just the condo association. I sent a second copy specifically listing my name ( on or around XX/XX/XXXX ). I received in the mail this week a statement indicating that they used my escrow funds without my approval to buy insurance ( {$820.00} ). When I called, they indicated I needed an XXXX policy to cover the contents of my condo ( first time I had ever heard this ). My insurance rep indicates I already have courage for contents and an XXXX would be duplicate coverage. I have confirmation from my insurance rep that I an covered. 
I contacted US Bank on Tuesday the XX/XX/XXXX to discuss my concern and spoke to XXXX ( would not give last name ). She would not connect me with anyone in the insurance department indicating they do not accept calls. They will mail me something. I requested an immediate call from a supervisor and have yet to receive it. 
Is it legal for US Bank to use my escrow money without my permission or approval for something I do n't need or want?

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 2017-04-14
Company: Total Customer Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company is XXXX. The collection agency is Total Customer Service , Inc . However, I ironicaly was treated with horrible customer service when calling to dispute the debt & in fact, the gentleman I was talking to on the phone literally just hung up on me while I was talking ... It was rather rude. 
So anyways, I received a promotional letter, for what appeared to be a sweepstakes giveaway with a large cash incentive as the main prize. Naturally curious as to winning the cash prize, so I could clear other legitimate medical debts of mine, I called the number on the letter that I received & was instantly asked a few various simple questions about my life. Then after answering those survey questions, they said I qualified for a free nice watch & they requested my address to send me the free watch, that was promised to me. Next, they also requested my credit card info to verify my age/identity/etc ... After collecting that info, they had an immediate request for money to start a magazine subscription, to which i declined, multiple times. I was assured that I 'd was getting the watch still, however I never received it & instead a women 's beauty magazine of some sort was mailed to me by them but it actually went to my Mother 's address ... Which by the way, she 's a witness for the entire incident & was present during the conversation I had initially. I definitely NEVER ordered a magazine subscription or authorized a charge for anything of the like. I 'm a XXXX year old male & it was a women 's beauty magazine that they sent me, which should hopefully reveal how much of a scam this was/is. I hope others are n't being harassed with ridiculous fraudulent charges from this con-artist company. It is a complete scam & they lie to you about everything that is " offered '' or " won ''. MY card had no funds on it so the purchases never processed, which I mentioned to them on the phone so they would n't attempt to charge anything, yet it appears that they did. Recently I received a bill from them for a collection of {$67.00} or something close to that price, via the mail. Except, I 'm confused how I owe anything? I definitely do n't & regardless of the watch or the amount of supposed " debt '', this is all just fundamentally incorrect & morally wrong/unfair for me, as well as any other member of the general public that they 've prey on for falsely, " owed '' money. Please help us good people.. In my opinion. this company should not be allowed to operate.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: GUARANTEED RATE INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My lender did not process my loan with reasonable diligence and in good faith. 

1. The lender did honor rate lock of 4.25 %. on loan estimate. Closing disclosure sent to me shows 4.25 %, however at closing APR was 4.5 % 2. Lender paid {$420.00} for Appraisal ; however I was charged {$550.00} at closing. 

3. I pre paid {$690.00} Hazard Insurance for 12 months before closing, however I was charged {$690.00} at closing for 12 months of insurance.

4. I was charged {$250.00} Realtor Transaction Fee at closing. The closing disclosure I was provided before closing does not show this fee. At closing I was required to pay this {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-04-29
Company: EQUIFAX, INC.
State: MI
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 they violated my rights. 
Please delete the following items : Bankruptcy Account : 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: JPMORGAN CHASE & CO.
State: MD
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 mail charge and it was not applied to the right account. My account was charged a late fee and I need it switched to the right account. Please call me at  XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-13
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:
On XX/XX/2021, I sent a letter to Equifax regarding my rights being violated. Equifax is completely ignoring the law. I am exercising my right under the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy 15 U.S. Code 1681i. You are required by Federal Law to conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature. Please include all names and contact information of employees that you spoke to as a part of your investigation showing that you have proof to furnish anything on my credit report. And if you can not provide me proof you are obligated by law to remove these items from my credit profile, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: EQUIFAX, 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:
I  XXXX   XXXX  file a CFPB complaint as I believe that  XXXX   XXXX   XXXX  is re-aging my old mortgage account to maintain a negative item on my credit reports longer than necessary. My  XXXX  credit report shown my firs t 30-day l ate payment f or  XX/XX/XXXX  . That would mean that based upon the Fair Credit Reporting Act guidelines on obsolete information reporting, my  XXXX  account would come off   XX/XX/XXXX .   XXXX  also cut off over six-years of payment history, which I believe I had late payments during that timeline. In essence, I believe  that 7-year r ule would already apply and that the  XXXX  account should already be removed. Accordingly, I will be satisfied with  a  XX/XX/XXXX  remova l date. The Equifax credit report has cut off the same six-years of payment history, and shows a beginning date of   XX/XX/XXXX . T he  XXXX  credit report showing   XX/XX/XXXX   is acceptable, and I need verification from  XXXX   XXXX    XXXX   that the account information will be remove   XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021, I sent a letter to Transunion regarding my rights being violated. Transunion is completely ignoring the law. I am exercising my right under the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy 15 U.S. Code 1681i. You are required by Federal Law to conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

I respectfully request to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature. Please include all names and contact information of employees that you spoke to as a part of your investigation showing that you have proof to furnish anything on my credit report. And if you can not provide me proof you are obligated by law to remove these items from my credit profile, please.

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