BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from 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 non-monetary relief
Consumer complaint received 2023-12-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Fifth Third Bank ( " 53 '' ) purchased my refinanced mortgage in XXXX. As part of my refinance, I agreed to a mortgage payment of {$2300.00}, which was to include my mortgage payment, taxes and homeowner 's insurance. 53 negligently failed to pay my homeowners premiums and my policy was canceled. Despite having been a customer for over 30 years, XXXX XXXX XXXX declined to renew my policy based on a " non-payment '' history. After negotiations, 53 retroactively paid the homeowner 's insurance premiums from XX/XX/XXXX to XX/XX/XXXX. Despite its negligence, 53 asked me to obtain another homeowner 's insurance policy, which I was able to obtain from XXXX XXXX, although the premiums were higher than I was paying through my escrow account. XXXX then contacted me and I was told that 53 had, yet again, failed to pay the homeowner 's insurance premiums, even though XXXX had contacted them multiple time and requested payment through my escrow account. Now, 53 has told me that my house payment will increase over {$300.00} per month to cover the cost of the insurance they purchased at almost double what I was paying previously through my escrow account. 53 also informed me that " that coverage we purchased is limited and may not adequately protect your interest. '' During this over two-year period, I have made numerous phone calls to 53 and written them numerous letters. When I refinanced my home, I agreed to the payment amount, to include taxes and insurance, because that is what I could afford. As a result of 53 's negligence and fraud, I informed 53 that I was going to continue to pay my mortgage payment of {$2300.00}, which is what I agreed to and contracted for, and requested that no late charges or other fees be applied to my account. Now, 53 is sending me threatening letters suggesting that I may be in jeopardy of losing my home if I do not pay the late fees and significantly increased house payment due to the outrageously expensive insurance it purchased.

By paying a years ' homeowner 's premiums retroactively, 53 admitted to its negligence of not having paid those premiums during that prior year through my escrow account. Although 53 destroyed my relationship with my long-standing insurance company and through no fault of my own that the policy was cancelled, I obtained another policy in its place. AGAIN, 53 ignored XXXX ' requests for payment of the premiums and that policy too was cancelled. All this occurred when I had homeowner 's insurance at a price I could afford and with adequate coverage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXX : The account has been disputed on XX/XX/, XX/XX/, and XX/XX/. The payment status reflects 30 days late with Experian and XXXX when the account is paid in full. It reflects current with XXXX. The dates of last payment are wrong - XXXX reports XX/XX/, Experian and XXXX report XX/XX/. XXXX and experian report XXXX as 30 days late, but current with XXXX. XXXX reports XXXX  as 20 days late, but current with equifax. This account is filled with errors and none of them have been fixed! 

XXXX XXXX XXXX : This account has been disputed on XX/XX/XXXX XX/XX/23, and XX/XX/. Nothing has been fixed. XXXX reports XXXX as 30 days late, but other two bureaus havbe current. Experian reports XXXX as 30 days late, but current with other 2 bureaus. XXXX reports XXXX as 30 days late, but current with other two bureaus. The payment history is completely inaccurate. It needs to be updated to NEVER late immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
fraudulent activity on my credit report I don't recognize.

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: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I recently had a XXXX XXXX XXXX through Synchrony Bank. I refinanced my home and used the money to pay off my account. Synchrony would not give me an accurate amount that I owed for closing the account, so I sent more than needed. I have been attempting to get a credit refund from Synchrony for several months now. I made my payment in XXXX, and have requested my refund every 10 days since XX/XX/XXXX. Every time I call them, they tell me the account is flagged and they " will remove the flag and get you your refund ''. This has happened four times now. I feel that if I took three months to pay them, they would charge me a late fee or send my to collections. Now that they owe me, it is nothing but excuses. I let them know that I am a XXXX veteran and need the money for my medical bills, this may have made things more difficult as I do not know Synchrony 's stance on veterans. 

I have attached a " statement '' that is available on my account. It doesn't have any information on it, another example of Synchrony keeping me in the dark.

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 2023-02-01
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:
Transunion phone # ( XXXX ) XXXX is Reporting XXXX XXXX XXXX XXXX XXXX phone # XXXX to my credit report this is a fraud account please remove off my credit report thank you. 


According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the 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 non-monetary relief
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TAKE NOTICE ( XXXX ATTEMPT ) COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO XXXX XXXX XXXX BY REPORTING UNAUTHORIZED INFORMATION. ON XX/XX/XXXX, IN WRITING, I SENT COMPANY AN OPT OUT NOTICE. COMPANY IS STILL REPORTING NON PUBLIC INFORMATION ACCORDING TO CREDIT REPORTS. 

COMPANY IS IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING CONSUMER PROTECTIONS : -PRIVACY ACT OF XXXX -CODE OF FEDERAL REGULATION TITLE XXXX CHAPTER XXXX SUBCHAPTER C PART XXXX PRIVACY OF CONSUMER FINANCIAL INFORMATION -TITLE XXXX UNITED STATES CODE XXXX XXXX OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting 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:
Experian I demand for the second time that you delete this unauthorized inquiry from XXXX dated XX/XX/2022. Experian I have provided proof documentation directly from XXXX stating that the credit reporting agency shall delete this unauthorized inquiry from my consumer report. I have attached a copy of the response letter from XXXX and a copy of my original dispute with you have not responded to. After you have deleted this inaccurate inquiry from my consumer report send me a full a complete copy of my consumer 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 non-monetary relief
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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

Company 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 2023-11-09
Company: AMERISAVE MORTGAGE CORPORATION
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested the following accounts to be investigated on my credit reports for accuracy and validation. XXXX XXXX XXXX XXXX. These accounts have several errors and need to be deleted under the FCRA Laws requiring accurate reporting by all the bureaus and companies reporting this information. As you can see in the attached documents all the data that is not reporting accurately according to the FCRA and the FDCPA.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: PA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 2023-12-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 need these accounts with incorrect information that are not mine to be deleted XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXXXXXX {$100.00}

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 2023-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 am again being charged a late fee because the credit card company stated I was an hour late paying my bill. They said I needed to pay by XXXX XXXX- I live on the XXXX XXXX XXXX I have never had to pay a bill by a certain time of day. Also, it is not clearly stated that it is XXXX XXXX ; I believe this is an attempt to collect additional money from customers ( in addition to high interest rates ). Payments are required by a certain date- in my experience, ending at midnight ( local time ) based on my location. 
when I called initially, I was lead to believe by the rep I spoke with that I just needed to call in the next day to ask for the fee to be waived. When I called to have the fee waived they refused to even discuss it saying the person I spoke with should NOT have said that and I had to pay by the time they stated regardless of where I lived. I believe this is an attempt to fraudulently collect fees and take advantage of customers - senior citizens in particular ; I am over XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Case # XXXX This case was filed over a month ago and all requested paperwork was sent and received. There has been no action taken by citizens bank to transfer the funds to the estate trust account provided by the estate attorney. Also no one has provided any information regarding this matter. No return phone calls or email responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Dovenmuehle Mortgage, Inc.
State: CO
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:
They have given me 14 lates on my credit report. We were informed they can not report late while in loss mitigation and XXXX, XXXX, XXXX, XXXX, and XXXX payments were never late and having proof we sent on time and they are still reporting us late. I have been fighting this for the past 6 months and the mortgage company will not correct these incorrect reporting. 
I have proof of everything as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, XXXX and TransUnion Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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

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 2023-09-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
am not liable for this debt with XXXX XXXX  I do not have a contract with XXXX XXXX XXXX, XXXX, they did not provide me with the original contract as i requested

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 2022-12-14
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that 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 I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation