BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is 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 2023-08-16
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:
In ac

cordance 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. The letters are stated with items and issues. 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 be
lieve that the information is 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 2020-07-30
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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX, I had opened a credit card with XXXX XXXX XXXX XXXX, Account # XXXX, opened on XX/XX/XXXX. The Account type on my credit report shows a revolving balance and closed account, however this is now over 7 years old, almost 8 years old, and is past the statute of the state it was opened in New  Hampshire, it is over in NY and where i currently live in SC. 

After working with XXXX XXXX over the past year, sending dispute letters and still seeing this on my credit report, I would like this removed immediately from my credit report on Experian, XXXX and XXXX, ( all 3 major credit bureaus ). 

This is not legal, and i really appreciate your help. The current balance shows {$5900.00}, with a credit limit of {$5000.00}. 

My SSN # is XXXX DOB XX/XX/XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 want your help to remove this XXXX  in my credit report because this is not okay and XXXX  should not be reported in my credit report as said by the Court and you don't even have the means to make sure that you are reporting this correctly!

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 2023-08-16
Company: Experian Information Solutions Inc.
State: DE
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 an 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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-10-02
Company: U.S. BANCORP
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
i have been charged for almost XXXX XXXX in charges. i have told US bank that these charges are not valid charges they refuse to even ask these companies to provide proof, i have filed a police report and have asked numerous times to dispute these charges. i have entrusted this bank with my money and they have not followed any laws and denying my legal rights. these charges are fraudulent and i want my money returned to me

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 2023-07-07
Company: FC HoldCo LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX, I paid the loan off. Flagship credit failed to send my payoff letter and update all credit bureaus accurately. I was able to speak to a representative in XX/XX/XXXX and they confirmed all fees were satisfied and i should receive my payoff letter in 10 business days. I still have not received that letter. I have made several attempts to contact Flagship, however, their automated system does not recognize former customers and very challenging to get a live person. I spoke to a supervisor on XX/XX/XXXX and expressed the urgency of the matter as I would also like to purchase a home. I requested that this document be emailed to me as soon as possible, but I still have no resolve to this matter. This negligence is causing a real delay in me moving forward with obtaining a better credit standing and moving forward with life goals.

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 2023-06-10
Company: Experian Information Solutions 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:
The Credit Bureaus stated that my account was properly investigated, but that cant be possible because there are multiple inaccuracies on my report including : Date Opened, High Credit, Date Last Reported, Date Last Active, Date of Last Payment 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. 15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. The following accounts are included : XXXX XXXX XXXX Account # 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 2023-03-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint serves as a follow-up complaint to my previous complaint dated XX/XX/XXXX. I want to dispute specific records in my credit file that do not belong to me or that I have signed any agreement. The items must be removed to clear my file of erroneous items Ive already included this in my previous Complaint & I am including it again. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-07-30
Company: Freedom Mortgage Company
State: MO
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:
Due to an annual escrow analysis, it was determined that my escrow was falling behind Freedom Morgage 's minimum required buffer amount of {$600.00}. They notified me in XXXX ( during a pandemic and nationwide shut down ) via letter that I could pay in full, or, the balance owed would be added to my monthly payment. I reached out to them via email, phone and their website with no return engagements from any avenue. Proof of those attempts can be provided. 

My payment is on autopay via electronic check from my bank and I have paid an extra {$100.00} per month for years. 

They received my payment of {$1500.00} ( my required payment was {$1400.00} ) on XX/XX/XXXX. On XX/XX/XXXX, they added the additional amount to my total due to account for the escrow imbalance for a total due on XX/XX/XXXX of {$1600.00}, leaving a balance on my XXXX payment of {$39.00}. 

I caught it, added that to my XX/XX/XXXX payment and submitted the payment early. The funds were taken from my account on XX/XX/XXXX. Proof can be provided of that. 

They chose not to apply my payment of {$1500.00} on XX/XX/XXXX as well as my payment for the remaining {$39.00} received on XX/XX/XXXX until XX/XX/XXXX despite receiving it days/weeks earlier. Two weeks after applying my paymentsfor XXXX and XXXX on XX/XX/XXXX, they submitted a report to the credit bureaus that I was more than 30 days late for my XX/XX/XXXX payment and listed it as being the full amount late ( {$1600.00} ) Despite my providing Freedom Morgage proof that they received payment on XX/XX/XXXX and their claiming in a letter to me that funds are applied as they are received ( the XX/XX/XXXX funds were NOT applied when received ) they have refused to correct the error on my credit report. The result of their actions was a drop in over 100 points to my credit score based on a presumed {$39.00} shortfall. That money was received PRIOR to XX/XX/XXXX. 

It is my opinion this could be an intentional act on their part to drive up my interest rate for a refinance. They were aware that I was trying to refinance with them and had been working with them since XXXX on that. But even if I give them the benefit of the doubt, they are not acting in good faith with me, who in my almost 4 year history as a customer of Freedom Mortgage has NEVER paid them, or anyone else I have an account with, late. That information can also be verified via my credit report on all three agencies.

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 2023-12-05
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I contacted Loancare regarding a loan modification request. The company sent me correspondence with the modified loan amount and said that I had to contact them to accept or make a payment by XX/XX/2023. I immediately started to contact the company on XX/XX/XXXX and have tried to call them every business day since then. The few times that I was able to speak to a representative, I was told their systems were down and they couldnt answer any questions. Today I received a bill for {$3800.00} which is at least twice the amount of my normal payment and the statement said the payment was due XXXX. I am not late in my payments. Of course, I tried calling several times and was unable to reach anyone. I couldnt have a payment because their website has been down. I just have questions about the statement that I received today because the amount scares me. Also, I would like to know if I have my normal grace period for mortgage payments with the loan modification. I have even sent a letter by email with my concerns with no results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2023 {$1000.00} I have contacted Medical data systems inc in asked could they verify this info below within 15 days. About this collection on my consumer report. 
1 ) An explanation of what this alleged account is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you right to collect in my state.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
this inquiry was put on my credit report illegaly by a company i have never done business and shared my personal information. i do not remember owning this account nevertheless a status appeared stating XX/XX/2019 i opened this account, it does consist with other consumer reports i have, the company is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: AMERICAN EXPRESS COMPANY
State: CT
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: Problem with personal statement of dispute

Complaint:
They are making negative comments and causing me to be declared and unable to get a new apartment and I have to move by XX/XX/2023 or me and my son will be homeless. The company that just did my screening for approval said my only reason for decline was because of Amex

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX  my PayPal account was compromised and someone bought crypto with my bank account. I notified my bank filed dispute they reverse it. They told me notify PayPal file dispute which I did but PayPal refused do anything try say legitimate charge and wont let me do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Exeter Finance Corp.
State: IN
Product: Credit reporting 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, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604a section 2 also states a consumer reporting agency can not furnish an account without written my written instructions ). Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

My Exeter Finance and XXXX XXXX Credit Card accounts are being reported as late multiple times on my XXXX, XXXX and XXXX reports. Please update as paid as agreed for all late payments on all three accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A purchase was made on the card, and the item was returned. Barclays did not process the credit to the account, then charged me multiple late fees. When we called them to correct the issue, they issued a credit for the item, but kept the late fees on the account, then proceeded to add additional late fees when a payment was not made. There was no additional balance on the credit card, so no payment was due.

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 2023-06-10
Company: Experian Information Solutions Inc.
State: CA
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 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