BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: Affirm Holdings, Inc
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX I was going to order a temporary replacement while my permanent one was being made. I was going to finance it through a company called Affirm XXXX Inc. Then I was informed that a temporary replacement couldn't be made for me because I don't have enough XXXX. So I never utilized Affirm, Inc. yet they charged me anyway. In 2018 they charged me {$350.00} and I refused to pay it because I didn't received the product. They claim that I made payments to them but then stopped so they sent it to collection which never happened because I never made any payments because I don't owe them any money. This is a blatant lie on their part and according to the credit bureau they have had trouble like this with Affirm , Inc. in the past. Why do they get away with this? My credit score has dropped substantially because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Upgrade, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2023 I made a payment of {$6100.00} to be applied to a balance of {$8400.00}. Approximately 2 weeks later Upgrade XXXX lowered my credit limit to {$2300.00} without an in detail notice - just a very vague email. I have always paid on time except for back in XXXX when my payment was 6 days late. This happened due to a family emergency and my mom being hospitalized. I contacted them and went on their hardship program for 3 months and made the hardship payment on time every month for 3 months. While on the hardship program my account was suspended which I was aware of. After finishing the hardship program at the end of XXXX, Upgrade reviewed my account and gave me back my full line of credit to use. My point is is that they should have lowered the credit limit then- at the end of my hardship program when they reviewed my. Not after I paid them a huge payment of {$6100.00} over a month later. That is indirectly stealing a consumers hard earned money. I am asking for {$4000.00} of that money back or pay the current balance of {$2300.00} and receive the remaining amount back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: EQUIFAX, 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I completed a 5 year opt-out form on XXXX XXXX, XXXX and then completed a permanent opt-out form at the beginning of XXXX. In XXXX XXXX I was told by a national bank that Equifax was selling my information even though I completed two ( 2 ) opt-out forms and was supposed to be on the opt-out lists. After I heard they were still selling my information, I filled out another opt-out form in XXXX XXXX and sent a copy to Equifax with a certified letter on XXXX XXXX, XXXX. I filled out three ( 3 ) opt-out forms from XXXX and they are still selling my information. In the certified letter I sent them I informed them again that they should not be giving out and/or selling my information to anyone since I am on the opt-out lists. In addition to sending the opt-out form to Equifax, I also made it very clear in my certified letter that I wanted my name, address, and social security on their permanent opt-out list. As of XXXX XXXX, XXXX they still do not have my credit file marked as " Opt-Out '' and they are still selling my information which violates my rights under the FCRA. They are also changing dates on my accounts on my credit report. For example, an account was closed in XXXX and it was originally last reported as closed in XXXX, but Equifax changed the date to XXXX. That is 6 years after the account was closed. Another account was closed in XXXX and last reported closed in XXXX, but Equifax changed the date to XXXX. That is 7 years after the account was closed. The dates have been changed on almost half of my accounts in my credit report. Why? I believe they are changing dates because they want to keep these accounts on my credit file. If they keep changing the dates then it stays on my credit even though these accounts have been paid off and closed for years. This also violates my rights under the FCRA. I disputed these date changes and they never answered my question. They also did not fix these dates or take it off my credit report. I also disputed duplicate accounts that have the same account numbers, same closed dates, etc. and they did not delete the duplicate account. I want Equifax to mark my credit file as " Opt-Out ''. I do not want them giving out and/or selling my information to anyone. I want Equifax to either fix the dates or take the accounts off my credit report. I also want them to delete the duplicate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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: Their investigation did not fix an error on your report

Complaint:
I found several errors on my credit reports and sent an initial dispute to all 3 bureaus on XXXX XX/XX/XXXX to investigate the following accounts that were inaccurate : Receivables Performance in the amount of {$1400.00}, XXXX XXXX XXXX in the amount of {$1900.00}, XXXX XXXX XXXX in the amount of {$880.00} and XXXX XXXX in the amount of {$670.00}. After my initial dispute, XXXX XXXX XXXX and XXXX XXXX were both deleted from all 3 reports. 

I sent a second and third round of letters to all three bureaus in XXXX and XXXX requesting a validation of the two remaining accounts, XXXX XXXX which is a credit card debt and XXXX XXXX XXXX which is a medical debt. I asked for a re-investigation and requested to be given any documentation that shows how the balances were achieved and any documentation with my signature that they have on file that was sent from the original creditor. All 3 bureaus have failed to provide me with any documentation as requested. It's clear that they don't have any as required by law. XXXX and XXXX have also failed to explain their process of investigation or how the accounts were verified as I requested. None of them have sent me anything other than the results of the investigation. 

The XXXX XXXX debt in the amount of {$1400.00} was sold to another company, XXXX XXXX. Not only was this debt added back to my credit reports without the bureaus notifying me within the required 5 days ( or at all ) but the account was also re-aged by two years, which is illegal. They didn't provide me with documentation for a validation of this debt as I requested either. This was an unlawful re-insertion and they have failed to delete this account again as requested. 

I reached out to XXXX XXXX on XXXX XX/XX/XXXX, which is a medical debt requesting documentation that they have on file in order to validate this debt. They sent me information about my hospital visit but the document was printed from their computer and it didn't include a HIPPA release form which is a clear HIPPA violation. They do not have my permission to maintain my personal health information in their company database. The company and bureaus have refused to delete this account even after the HIPPA violation and I plan to pursue this issue further in court if this item is not deleted from my credit report immediately. 

***All letters were sent certified mail so that I could verify that the bureaus received my requests and I have documentation of all of the interactions that I've had with them if needed in the future.

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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX Account number XXXX ) violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I saw an email today from B of A saying one of my cards had been cancelled with no explanation OR warning. Accessing my online account confirmed this. 

I spoke to two B of A representatives by phone ( both were nice, professional, and as helpful as they were able to be given B of A 's policies. One was name XXXX or XXXX ). I was told that the account was closed because it had not been used in over a year and there were concerns about fraud etc. He even tried to say that COVID-19 was somehow was relevant regarding fraud. It should be known that at no time was the card ever lost, misused, or had a single questionable/fradulent charge. In fact there were no charges. I was also told the the account could not be reopened once it had been closed and that my only recourse was to apply and receive a card via a new account. 

This is unacceptable on a number of fronts. I only carry 3-4 credit cards/accounts. I do this by design as I don't want many accounts. Two of my cards/accounts are/were with B of A. The closed account in question was open in 2005. Now my credit score may be negatively affected by having an account closed, then further negatively affected with a new account to replace the closed account. The new account ( being new ) will not have the positive affect that the XXXX year old account had on my credit rating. Do you see how this may be an issue for your customer?? I now have less credit available to me at a time when I may need it. 

Worse, there was no warning that this would happen. No one from B of A called, texted, or emailed saying this would be done if I didn't use the card by XXXX date. I could easily have used it with some notice and avoided this. Now that's done, you have no mechanism to undo or fix the damage. While I am sure that this contingency is probably allowed, and I have implicitly agreed to it by checking a box or that it is buried in a terms of service agreement ( pages upon pages of small font legalese ), this is unacceptable from the consumers point of view.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After disputing my personal information with Experian the inaccurate address is still showing on my credit report. Experian stats that they can not remove the address because its linked to some accounts that i have also disputed. I have forwarded my FTC report and still have not had success in removing this inaccurate address that i have never resided at. 

My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX Account number XXXX ) violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

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

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Apparently, I owe {$130.00} to Nationwide Credit INC which I have never heard of before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to contact a company called NewRez about our mortgage loan they acquired. i have tried calling them since XX/XX/2020. i emailed them on XXXX XXXX i even called their sales team on XX/XX/XXXX and XX/XX/XXXX, only to be told by the sales team they were sorry they couldn't help us. i have sat on hold EVERYDAY since XX/XX/XXXX for at least 1 HOUR, and NEVER spoke to anyone! i have yet to get a response from my email on XXXX XXXX i have even left a voice message for someone to PLEASE call me back. NOTHING! i can not get in touch with anyone in service whether by phone or email, for now going on 22 days! All i am trying to do is defer my XXXX and XXXX payments to the end of the loan or just pay the interest for those two months because of the virus. our money is tight just like everyone else, and i am just trying to 1. make sure it is okay to do one of those options, and 2. our credit will not get XXXX  up because of this predicament. all i am asking for is to be able to talk to someone, PLEASE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

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

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions.

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 2016-03-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Very quickly ... XXXX XXXX mortgage payment XXXX XXXX XXXX Mortgage payment XXXX XXXX XXXX Mortgage payment XXXX XX/XX/XXXXXXXXtgage payment XXXX XXXX XXXX Mortgage payment XXXX I had contacted my mortgage company and asked how come my mortgage went up so much? They said it was due to the shortage in escrow and my taxes went up. I asked how much are my taxes and they said over XXXX for the year. I told them that my taxes were not that high, somethings wrong with the payments for XX/XX/XXXX and XX/XX/XXXX. I argued with them ALL XX/XX/XXXX and XX/XX/XXXX about my account being wrong. They finally admitted that they had made a mistake and put the " over payment '' of XXXX to my shortage in escrow but they did not remove a late payment with the credit reporting agency for XX/XX/XXXX. I told them I could not make that inflated payment because it was too high. So I had to make a double payment in XX/XX/XXXX figuring they would correct their mistake. They NEVER sent me my new escrow figures until I had questioned the payments. So now im paying what I should of been paying since XX/XX/XXXX and my payment would not have been late. Ive tried to reach a manager or supervisor about this but NOBODY has answered their phone or returned any call that I have made. ( over 10 calls ) I want my late charge to come off of my credit report so I can move on and forward. I have ALL records and can make copies if you need them. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX Account # 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This ground for removal they also violated my rights under 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