BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX is listed on my credit reports as someone I owe money to. That is not true. I have never done business with this agency, and I do not owe them any money. They claim they are representing XXXX XXXX. I have not lived at XXXX XXXX for almost a year. When I was there, I always paid my rent on time. I fulfilled all the obligations of my lease, and I gave notice when I decided to move out. I do not owe them any money, and they never refunded my security deposit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09
Company: BROKER 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX. XXXX, 2021, New American Funding ran my credit without my consent and permission, it was a hard inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint Mortgage Servicing Corporation has lost my hazard insurance information and is not effectively monitoring various websites they have outsourced multiple processes to. 

When I try to access their website at roundpointmortgage.com, they offer no method for contacting them securely from that site, and instead redirect me to a website on a completely different domain, at XXXX. That site in turn then directed me to yet another domain at ihaveinsurance.com that is broken and offers no way of contacting the company that operates the site. 

For payment and other account management tasks, the roundpoint.com site again is useless and their " sign in '' button merely sends the customer off to yet a third domain at XXXX, which like the other sites offers no secure method of communication. 

I am concerned that this company is engaged in risky and quite frankly " sloppy '' management of personal data and is not exercising due diligence to ensure third parties they redirect customers to are operating functioning sites that provide secure means of communication and transmittal of data.

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 2015-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XXXX/XXXX/15 Experian received, per US Postal Service Cert. Mail, my request to investigate and then remove a number of outdated and incorrect items on my Experian credit report. To date XXXX/XXXX/15 the items still remain on my report as per their on line viewing of my report. I contacted them today and advised them as per FCRA and your bureau that those items must be removed because they did not act with in the 30 day time frame. I would ask that you act on my behalf to inforce the laws of financial protection and also include me in any legal action against Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Company is fraudulently reporting a debt that dose not belong to me. This company is in numerous of violations of my consumer rights. I've attached my affidavit below in this complaint listing all violations

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 2017-02-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Hello, I have been in contact with Experian over a dozen times over the past 5 months. I have requested that they supply me validation of listings that are reporting in my file and they continue to respond back that the information has been verified. I am requesting validation of the debt so that I can dispute it properly to have it remove or corrected on my file. I spoke with XXXX different supervisors and I have been told that this information would be mailed to me within XXXXXXXX business days and over 30 days has passed. I took the liberty to send certified mail to them to as well to no avail. I am constantly being told that I need to contact the creditor to verify the debt but they are the ones reporting the debt and they must have proof that the debt is mine or remove the listing/s.

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 2015-11-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I gave my notice to the property manger and moved out of a house. The room mates who stayed at the house did not pay rent and were evicted. The owner took them to court and got judgement against them but name is still attached to it - It has killed my already shaky credit. I have a letter from the attorney for the Property Manager stating to take me off of the Judgement and that was given to the superior court. Thank you XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Bank of American failed to properly process the forgiveness amount for my PPP loan in the amount of {$17000.00}. I submitted the appropriate documentation multiple times, however Bank of America would lose it and would miscalculate. Attempts to remedy and contact Bank of America would only be answered once a month, at best, when new information was submitted. They undercalculated my forgiveness amount. Additionally, when I asked for an extended repayment plan, which is a federal regulation, they did not respond to my requests. No communications have been received and they are difficult to reach when requested involving my PPP loan forgiveness.

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 2016-06-19
Company: The Receivable Management Services LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I worked for XXXX and when I left the company, I owed them {$620.00} in commission I was advanced. They gave me until XXXX XXXX to pay the debt and I payed it on XXXX XXXX. Despite the fact that I paid my obligation, XXXX sold my " debt '' to XXXX XXXX XXXX XXXX. I informed the debt collection company that I had paid this debt ( provided canceled check information and provided contact information for XXXX employees who could verify this fact ) and never received any feedback from them regarding this issue. I called them on XXXX XXXX to see if this situation has been resolved, and they told me XXXX informed them that I had paid my debt and no longer owed them anything. I asked for them to send me something in writing saying my debt was satisfied so I could have this erroneous claim removed from my credit report because I am buying a house next year.

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 2016-08-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
The XXXX Bank accounts are fraudulent account that belong to XXXX XXXX, not XXXX XXXX, XXXX XXXX, Account number XXXX and XXXX Account number XXXX .... are the same accounts XXXX XXXX. I have attached an incident report from XXXX XXXX Police Dept. I have attached the signature page that was sent to CFPB from XXXX Bank 's application and I have sent my mortgage page with my signature. You can plainly see the signatures do not match. I never knew of this debt until discovering on credit report. This debt from 2007 is not mine, never had any affiliation with this account. This account belongs to XXXX XXXX, not XXXX XXXX. I am asking for the fraudulent accounts to be removed 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 2017-09-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I went to the bank to pay my mortgage. I unfortunately was behind on paying so I sat down with a banker and spoke on the phone with someone from the mortgage department. I found out the total amount that was due for me to get caught up. I then proceeded to try to pay with two different cards. One from my credit union and the other from. My XXXX XXXX checking account. The first portion {$700.00} was paid and when I attempted to pay the second portion I was informed that the bank would not accept my request due to the fact that I was attempting to use XXXX XXXX. I then on XX/XX/XXXX paid the second portion. When the second part was paid I wanted to make sure that I was up to date. The individual who accepted the payment stated that the first one did n't show but that was when I paid the money the bank was processing and would show after the weekend. I asked if she could see that it was in the system at all and read all the information that was on the receipt. The bank never showed the payment for the past year. I proceeded to send copies to the bank so that they could do an inquiry and find the money. When nothing came of that I proceeded to go to one of the branches and had the branch manager to electronically send the bank receipt and the receipt from my credit union showing that the payment was made. I then tried to buy a new home and also was trying to buy a car but the bank has put the delinquency on my credit report. My mom was the one who consigned for me and this has affected her credit as well. The mortgage department stated that they never received any of those emails and faxes. When on the phone I was told by one person that the payment was paid to a portion of my principle instead of the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I currently have a mortgage with rocket loans, they approached me about a refinance. They did a hard pull on my credit without authorization from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
That XXXX XXXX placed an encumbrance on the real property by means of an attorneys lien for {$20000.00} in damages for supposed attorney 's fees in arrears. XXXX XXXX, XXXX at XXXX and XXXX XXXX, issued me a Deed of Trust with a note in exchange for equitable title to the real property located on XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX CARD on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed the following tax liens with Experian multiple times. Despite my best efforts they refuse to remove the negative accounts. The results of the investigation are that the accounts have been verified and to contact the furnisher of the information. I contacted XXXX XXXX XXXX court and they stated that they do not report to the bureaus. How can XXXX verify these accounts if the original furnisher does n't even report to them? The false reporting of these accounts is extremely damaging to my credit score and affecting my ability to obtain a mortgage. I would like them removed immediately. I have attached a copy of my credit reports reflecting the accounts in question. Below I have also listed them : XXXX XXXX XXXX XXXX : Tax Lien : XXXX Lien : XXXX Lien : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have resubmitted to both the Credit Agency and the Creditor to remove the previously deleted materials. I signed up for a credit card from XXXX XXXX XXXX ( issuer of the XXXX Red Card ) XX/XX/XXXX. XXXX XXXX XXXX failed to provide a card and statement in order for me to submit payment. They contacted me stating that the account would be going into collections, and I informed them that I had not received a card or received a statement. They stated that they would send a statement and reage the account. I received a statement and paid the statement in XX/XX/XXXX. I was applying for a home loan when a Failure to Pay came up on my credit score issued by XXXX XXXX XXXX. I did not receive approval for this loan due to the impact from XXXX XXXX XXXX. After 8 months of working and disputing with the Credit Reporting Bureaus and XXXX XXXX XXXX the Failure to Pay was finally removed XX/XX/XXXX and submitted it " Paid Satisfactorily ''. On XX/XX/XXXX I checked my credit score and XXXX XXXX XXXX has resubmitted a 30 day overdue, decreasing my score. I never received notice that this had been Reinserted. XXXX XXXX XXXX is unfairly attacking customers, making it nearly impossible to remove incorrectly reported items and should be investigated. When I contacted them to get the account fixed today they stated that they saw where it was reaged and the Failure to Pay was removed and changed to Paid Satisfactorily. However, they stated that after this it was reaged again, without my consent or knowledge that this was added, and I would charge that this is in direct disregard for the Fair Credit Report Act Section 611. ( B ). No details were provided and no contact was attempted to be made. The customer service manager at XXXX XXXX XXXX was rude at best. When telling him that this was previously deleted from my credit score, he stated that he saw that, and that someone decided to re-report the materials. He did n't state who made this decision or a reason for it. After over 20 minutes of arguing that it should not be on my credit report, he stated that he would file a dispute. This transaction number was XXXX. I want XXXX XXXX XXXX to remove this error from my account, and stop abusing consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed and ask for documents from Experian showing that I actually owe these accounts, dates, signatures whatever that had on file to justify them reporting it on my file and they have failed to do this. I have called, sent letter and no information has been sent and it 's been over 60 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATIONXXXX XXXX ( date open 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 explanation
Consumer complaint received 2022-10-01
Company: U.S. BANCORP
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:
This complaint is regarding Fidelity Rewards Visa Signature Credit Card 's cash advance practice. 

On XX/XX/2022, I conducted a cash advance transaction for {$79.00}. 

The statement issued on XX/XX/2022 had a balance of {$1900.00}. The payment due date was XX/XX/XXXX. 

On XX/XX/XXXX, I logged onto my online account and saw a balance of {$2000.00}. I manually transferred and paid that amount in full. After the transfer, my online account showed a balance of {$0.00}. 

However, on XX/XX/XXXX, I was charged an interest fee related to the XX/XX/XXXX cash advance payment again for " carrying a cash advance balance ''. 

The bank charges interest on cash advance daily, but they don't post it onto the account daily. So even though I paid my account in full on XX/XX/XXXX, the unposted cash advance fee was still outstanding, despite my payment was {$52.00} more than the XXXX statement balance. 

Because they don't post their daily fee every day and because they don't tell you there is a separate cash advance balance even on your online account, unsuspecting consumers who dutifully pay monthly statements in full will keep incurring an interest fee every month until you call and ask them to stop. 

And because they hide their daily interest online, there is no way to pay that amount even when you try to. After I made my payment on XX/XX/XXXX, I was shown a {$0.00} balance. They make it impossible for you to know and to pay for the cash advance balance completely unless you call and tell them specifically to stop. 

Even though they said they would reverse the charge this time, this practice will keep going if there is no government intervention. It was not the first time it happened to me. 

This practice is deceptive and intentional. It needs to be stopped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I the consumer did not consent too, nor authorize these inquiries on my transunion consumer report : 1. XXXX/XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX  XX/XX/XXXX 4. XXXX, XXXX  XX/XX/XXXX 5.XXXX  XXXX XX/XX/XXXX Transunion did not have my permissible consent to share my consumer report with these companies. Everything is electronic I did not give them my written consent to share my consumer report with any corporation per section 1681n ( b ) which makes Transunion civilly liable. Any corporation who obtains a consumer reporting agency knowingly without permissible pretenses shall be liable to the consumer reporting agency for actual damages in {$1000.00} Per section 15 USC 1681n ( b ). If you can provide a copy of a credit application authorizing the disclosure of my files with my signature, I will accept the inquiry. If such application is removed I demanded this inquiry be removed from my consumer report. In accordance to section 15USC 1681n ( b ) I the consumer am appalled to fact that XXXX violated the laws and humiliated me to those corporations and I demand remedy {$1000.00} per inquiry 15USC 1681n ( B ) and {$1000.00} for the violation via Check Per section 15 USC1681n ( A ) .I would greatly appreciate a response from you within 30 days.

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