BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-31
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have been working diligently to repair my own credit. My credit score was XXXX two weeks ago, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My wife and I share the shame credit cards, and her scores are going up. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good, it dropped my score XXXX point because of this good utilization. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in a couple of weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX XXXX which I was told that XXXX owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. XXXX XXXX stated that I did nice work by getting my balance down, and with that they minus my credit score XXXX points for doing a great job. This is unethical please see attached picture of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX, Experian And XXXX are repeatedly violating the Fair Credit Reporting Act by not verifying information on my credit reports. I keep asking them for written, signed by whom verification for items that are on my credit report and they just keep sending letters back stating that it is verified, not sending me what I requested. Also they have been changing the report dates on items that are on the reports to prolong the reported item to stay on the credit report for a few more years. One account in particular is a bankruptcy that showed up on my credit reports that they refuse to verify, ca n't verify because I already called the U.S. Federal Bankruptcy Courts for this region and I was told by the court that they do not, will not and ever report information to the credit reporting agencies. what baffles me is that they are not sending me signed, written verification, who is verifying the information? According to the Fair Credit Reporting Act, ( A ) ( 1 ) ( A ), Credit Reporting Agencies are required by Federal Lew to verify, Through the physical verification or the original signed consumer contract, Any and all accounts that are posted on a credit report otherwise, Anyone paying for my credit reporting services could fax, mail or email in a fraudulent account. If the account can not be verified or validated, It must be removed immediately!! I will be seeking an attorney and filing a lawsuit on this matter as soon as possible!! XXXX has just settled a class action lawsuit for the exact same thing I am filing this complaint over, And I am part of the class.. XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , Experian XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. If they can not send me signed, written verification or signed, written validation on these Bankrupcies listed on their reports, It must be removed immediately!!! Thank You for your time in this matter. If you need any more information, Feel free to call me at this number, ( 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 2022-10-17
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a promotional purchase using a Synchrony XXXX store card on XX/XX/XXXX for {$3200.00} at 0 % interest if paid by XX/XX/XXXX. I declined to accept the " card security '' offered with the purchase. In XX/XX/XXXX, I discovered that I was being charged for card security despite declining. I called Synchrony who agreed to refund the card security charges as well as the interest charged to that point since it was due to the card security charges. At this point, the total amount charged in interest and card security was {$270.00}. Synchrony only refunded {$260.00} on XX/XX/XXXX. Over the next 6 months, Synchrony continued to charge interest. The total charged from XX/XX/XXXX through XX/XX/XXXX was {$10.00}. The total interest charged was {$24.00}. When informed of their mistake of continuing to charge interest, Synchrony agreed to refund the {$10.00} charged since XXXX, but refuses to refund the remaining {$14.00}. Because I never agreed to the card security charges and only made one interest-free purchase, Synchrony should never have charged interest and should refund the remaining {$14.00} 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 monetary relief
Consumer complaint received 2022-10-17
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
i bought a pre paid card today XX/XX/22 at XXXX in XXXX XXXX tx . i placed XXXX dollars on it when i purchased it. now its saying i can not receive or activate my card nor can i get my money back. the person i spoke with said their is absolutely nothing they can do about it. i sure hope this isn't how yall conduct business.

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 2022-06-05
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  XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 section 602A. states I have the right to privacy.

15 USC 1681 Section 604A Section2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore, I am a victim of Identity Theft. I've contacted Transunion, XXXX and XXXX to remove all unauthorized inquiries that are listed below. 

XXXX UNAUTHORIZED INQUIRIES XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNION UNAUTHORIZED INQUIRIES XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2017-02-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I said there was fraud information on account till I talk to the police they refused to put a fraud alert on my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The credit reporting agency corrected the wrong name display as requested in my previous complaint but left both the inquiries, and accounts associated with the wrong name in place. If the name ca n't be verified, then all associated accounts ca n't be verified as well. in addition, they transcribed my accurate name to display backwards as well which again illustrates they are n't investigating anything this is just a exercise in violation of the fair and accurate credit act by an actor determine never to follow it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: CO
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. 

Account name : XXXX 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 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 explanation
Consumer complaint received 2022-10-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My equifax does not allow me to dispute directly. Each time I get CFPB involve this company drops my score for things that it should not affect my score or there is not change at all. 
XX/XX/2022 I am an authorize user of XXXX XXXX XXXX XXXX account # XXXX which is in good standing and at a XXXX. Equifax negatively impacted my credit which is illegal for authorized users. They took XXXX total points for me being added to this good standing account bringing my credit rating down. 

XX/XX/2022 Equifax added {$120.00}, XXXX debt on my credit report for XXXX  XXXX servicing which is inaccurate. They decreased my score XXXX points for this error and has not replaced them for the inaccurate balance showing. 

I have lost a total of XXXX points for their error and an account that I am not the owner of because I filed a dispute with CFPB. 

They continue to give me my score back then close my dispute then turn around and take huge points away for no valid reason. I am starting to believe I am being discriminated against and should seek legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I am currently a consumer of Bank of America past 26 years. I am filing a XXXX complaint in regards to Bank of America who forced an escrow account onto my mortgage loan, claims that I did not send them property taxes information. Now, my monthly loan payments will increase from {$470.00} a month to over {$1000.00} to cover the escrow amounts. I have never been late on the monthly loan payments ( 16 years ) and have made ever attempt to resolve this issue via certified mail and also by phone. Bank of America have not resolve the issue ( s ) nor or they willing to assist me in remaining current with my monthly loan payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-10-17
Company: GUIDANCE RESIDENTIAL, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My current mortgage company name is Guidance Residential. They are charging additional {$18.00} every month in the name of LLC FEE. I had no idea about this fee/charge until closing documents were being signed. When I questioned this to company 's lawyer he said nothing he can do about this. At that point it was too late for me to back out from refinancing. 
I have been with few different mortgage companies and never paid any such fee. I got know that a lot of people who are complaining about this and that's how I found out about this forum. We want this illegal charge to stop and refund from past payments. Please investigate and free us from this ripp off. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: CO
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. 

Account name : XXXX 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 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 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 2015-04-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My credit score is in the low to mid XXXX 's despite a perfect payment record.. My total debt is about 5 % of my net worth, most in XXXX securities. Why is n't my score perfect? Checking my credit reports they seem accurate - perfect payment history! No court judgements, no bankruptcy history, no unpaid debts, etc. But, it seems misleading. I pay my only credit card off in full every month, no carry over balance, but it shows a max charge vs the limit even though paid. I keep my limit low to minimize identity theft and credit theft limits. My second card is a debit card, also paid every month. I get no reply to my specific question why my score is so low so I ca n't provide the information to resolve it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: NC
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:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-05
Company: Statebridge Company
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My original loan was with XXXX XXXX which was illegally billing me. I stopped paying because there were numerous discrepancies in the amount being billed. Despite numerous request to have my loan reviewed, the request were ignored and sent to be foreclosed upon. They started a foreclosure which I was never served the summons and complaint or sent the 90 day notice as required by XXXX laws. My loan was later sold to waterfall which has been serviced by Statebridge Company. After the transfer I tried to rectify the problems with Statebridge. Rather, Statebridge continued to harass me to hand over my home rather than work with me to bring the loan current. After the transfer Statebridge continued the illegal billing and added an additional XXXX. On numerous occasions I was told I would not be given a modification and my only option was to turn over my home XXXX. A home which has more than a couple XXXX of dollars in equity. I also communicated with Statebridge about the faulty foreclosure, yet they still tried to obtain a default foreclosure. After I filed I motion to dismiss and several court appearances, the judge reviewed the case and ordered a traverse hearing. Upon the looming of the traverse hearing they discontinued their foreclosure action. 
The foreclosure was also sent to my neighbor which is a violation of federal laws. After communicating with their attorney 's and servicers asking for proof of the amount being billed they have basically ignored my request. Statebridge sent me a letter stating they were not required to answer my qualified written request since I am in foreclosure and their attorney 's have just ignored my request for documents. They have recently ended their foreclosure case and although their order of discontinuance states that the case is discontinuing without cost, I received a statement with additional foreclosure and attorney 's fees. Statebridge, XXXX are in violation of Federal, state and City foreclosure rules. XXXX Statebridge have insisted that I hand over over my house to them for {$3000.00} rather than justify their fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit report with experian has several accounts for southern ct gas which has XXXX balances, XXXX with account number beginning with XXXX and the other beginning with XXXX which should have been deleted off my account. I should only have XXXX bill on my credit file and that is the one with account number starting with XXXX which is current. I am not sure why the other XXXX have n't been deleted as of yet.

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 2017-02-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I called XXXX customer service and they told me they report to all XXXX credit agencies every month. They also told me to contact Experian because the problem is on their end not XXXX. I totally agree with XXXX because XXXX and XXXX are reporting properly with XXXX. It 's only Experian that is not reporting this credit card. I feel they are doing this on purpose to suppress my credit score so I pay higher interest rates. I pay all my bills on time and many credit card companies use Experian. This is why the Experian will not add my XXXX Credit Card. I have been asking them for months to add my card to my credit profile 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 2022-06-05
Company: Experian Information Solutions Inc.
State: OH
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:
The 3 reporting agencys have made decisions in less than 5 days from recieveing disputes asking for removal from my reports until further investagtion r complete and meets the standards of the law .they received my disputes on the XXXX of XXXX and made desisions two days ago some company 's they don't even list or have contact numbers for. please help me I am XXXX yrs old and I'm scared my info on the XXXX  XXXX  please make the seal my info tight and remove anything that not valid. I have downloaded just a few of the letters my lawyer sent to them with dates on the letters. I have also downloaded proof of all the injuries that just experian has let access my files. While frozen

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