BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: MD
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:
I HAVE CONTACTED EXPERIAN ABOUT FRAUDULENT ACCOUNTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE SUBMITTED FTC REPORTS ALONG WITH MY IDENTIFICATION, UTILITY BILL, AND SOCIAL SECURITY CARD. EXPERIAN HAS YET TO REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CONSUMER FILE. I HAVE CALLED AND REQUESTED FOR THIS INFORMATION TO BE REMOVED. I WILL BE UPLOADING DOCUMENTATION AS PROOF.

Company response to consumer: In progress
Consumer complaint received 2023-08-18
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2022-12-06
Company: Incomm Holdings Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a Vanilla gift card ( issued by XXXX, distributed and serviced by InComm Financial Services , Inc. ) with a value of {$400.00} and expiration date of XX/XX/XXXX in XX/XX/XXXX. I tried using the card in XX/XX/XXXX but the card was declined. I called VanillaGift the next day and they told me the card was declined because it had already been used. I had not used this card and the card has been in my sole possession since receipt. I submitted a claim to dispute the transaction and was told it would take up to 60 days to resolve. In late XXXX, I received a letter from " incomm payments '' informing me that the dispute has been closed because " The Payments Network allows recovery efforts to be submitted within 60 days of the date the transaction cleared the account '' and that my claim is outside of this timeframe. Since I had no idea an unauthorized transaction had been made until I tried to use the card, imposing a 60 day timeline is unfair, deceptive, and perpetuates fraud on innocent consumers. For all I know, the company sold the same card to two recipients, as it was all done online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My problem is with the firm handling the Equifax breach settlement. My wife handled freezing our credit reports at XXXX and XXXX after the breach and learning on the Equifax site that both of our personal data may have been stolen. ( My wife 's definitely was. ) In XX/XX/2022. THREE YEARS LATER, the settlement firm requested additional info supporting my claim for the {$20.00} we paid to place freezes at XXXX and XXXX. We submitted all the info but they denied {$10.00} because our submission was deemed deficient. I am uploading, now, what we sent them as documentation and my accompanying letter. Our credit card statements showing the charges for the freezes should be sufficient. Thank you for forcing them to be reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage company at the moment is Freedom mortgage been with them since 2012. I recently looked into doing a cash out refinance and wanted information. Be very careful with them their employees will give you wrong information I was told that the lock in fee was refundable that is not the case and when you check your bank statements it show its an appraisal fee another thing they don't mention

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 2022-06-09
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have morgage with shellpoint and they've been increasing my monthly payment more that {$500.00} because of the wrong " calculation with the escrow. I used the forbearance program for XXXX XXXX due to the covid situation but even in those months i added money to my escrow account to reduce the balance. I requested a payoff and after almost XXXX  years with this loan they are changing me {$10.00} more of my original loan amount, when a called them they said that i have to pay double interest for those XXXX months that i was in forbearance, also they changing me {$7000.00} of " recover fees '' but they can't explain what is that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Johnson Mark LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
These guys haven't proven that they should be having any contact with me to start. The seem to not be able to produce anything with my signature that would allow them to have any contact with me whatsoever. They have harassed me relentlessly, send me copies of bills that look like someone with word processing and graphic design capabilities. Nobody can seem to find a copy of an actual payment, delivery confirmation, photo ID of the person that opened the account. Just a bunch of scam material to steal from people. Ive easily been able to duplicate the bills in a XXXX document. All I needed to do was download a logo from XXXX XXXX and I have a bill that looks exactly like the ones you sent me. These guys do this so that they can steal from people. XXXX even changed my address in my credit file without my knowledge or consent... twice. These guys then apparently get a court order stating that the person owes XXXX but, then they want you to pay some other company called XXXX. Nowhere on the court document is XXXX listed. This REEKS OF FRAUD AND IDENTITY THEFT. They seem to have all of my PII when I never actually gave it to them. They fail to provide any kind of signature proving that they have the right to my personal information. They have now harassed other people in the process when they NEVER HAD THE RIGHT TO BEGIN WITH!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: NY
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 don't recognize this account, I have never applied for this creditor. 
I believe, that someone used my personal information to apply for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: SUNRISE CREDIT SERVICES, INC
State: NY
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:
While in the process of refinancing my house, my loan company generated a credit report history, whereby the 2 below accounts appeared on the report, and were not recognized by me-nor I have requested to open them. They were fraudulently created with my stolen identity : XXXX Account XXXX XXXX opened XX/XX/2021 ; Balance owed : {$1400.00}. This was opened by someone in the state of IOWA ( I never lived there ). 

XXXX Account # XXXX opened XX/XX/2021 ; Balance owed : {$300.00}. This was open by someone in XXXX, NJ ( I never lived there ). 

Since they are now in " Collection '' Status '', this has caused a very negative impact on my credit score and history. They will need to be removed ASAP, so my loan company can do a rescore to continue with my closing. 

I have also email personal information to both companies to prove my identity, and filed an Identity theft report with the local precinct ( central Complaint # XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2022-12-06
Company: Medical-Commercial Audit Inc
State: MO
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:
Hello i am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: CBC Companies, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have contacted XXXX, XXXX and Innovis to request that any Security Freeze be lifted from my credit reports immediately. A month later XXXX XXXX  requested copies of my scores for a credit card account and I was advised that they are unable to pull my scores due to a security freeze. 
I need assistance as I am being given conflicting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Marine One Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Excessive calls and e-mails, even when you have spoken with Marine One and they have notated the account. They threaten to repossess if you dont pay in full after youve already made an arrangement. 

They are not applying overpayments to the principal of the loan when weve requested numerous times to apply over payment to the principal. 

They are taking on fees to decline card transactions, even if we pay with the same card on the same day because our bank flags this companys processing as fraud. So we have to verify the transaction and reprocess. 

The harassing phone calls and people showing up at my house when my account is only XXXX or even 30 days late. As soon as you are one day they are blowing up emails and phones threatening to recall the loan. They will send your account back and forth between your account representative and recovery and they dont communicate with one another. 

Loan documents state as long as the payment is made within the month you are not considered past due but they will blow up your phone the first day you are out of your due date and it doesnt matter if you have spoken with them they will continue to call and email every day until you process a payment. 

They lie and tell you one thing and then do another within just a couple hours. 

Ive never dealt with such an unorganized company in my life. Not apply payments and the relentless phone calls is outrageous!

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
after reviewing my report in XXXX I noticed a large amount of fraudulent accounts, address and names reporting. these accounts i never applied for, names and address i never used

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 2022-12-06
Company: Rocket Mortgage, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage will not drop XXXX  charges without getting money from us another way. 
We have paid extra principal every month and got the loan balance under the XXXX XXXX as required by the XXXX XXXXXXXX XXXX, provided original documents yet they want us to pay them before dropping XXXX 
We've communicated by phone and email several times over the last XXXX months. Their response is always give us more money and we may drop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated accounts ; total accounts, open accounts, closed accounts, balances, payments, and inquiries were properly investigated but how is that possible if the last activity date for each account is different? This is clearly inaccurate which means it is grounds for removal, update information, for claims of up to {$1000.00} per violation. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law also states that if a credit bureau places information on a report it knows to be inaccurate, a consumer can claim up to {$1000.00} for each willful violation. 

Attached highlighted in yellow is inaccurate information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: Professional Debt Mediation, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting act XXXX  Account # XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Synchrony Bank XXXX XXXX XXXX FL XXXX TJX Rewards Platinum Mastercard XXXX XXXX XXXX GA XXXX I made a purchase at a XXXX XXXX XXXX  On XXXX. They convinced me to get this credit card to get a big discount for this purchase and future purchases. I planed on paying cash anyway so I new I would pay it off as soon as I got the bill. 

However, I didn't get the bill until after their due date which already included a late fee!! 
This was on XXXX so I called immediately and they removed the late fee. 
I complained about this fraudulent practice and cancelled this card right then. I paid the balance in full that same day as well so there would be a XXXX balance. 

Then I received another bill for interest of {$13.00} dated XXXX despite the bill being paid within 30 days of purchase! The woman I spoke to closed this account but didn't tell me that I would be charged interest otherwise I would have demanded that be removed as well. I verify every bill I pay so I was able to protect myself. I am turning to you to make sure this company gets investigated and stopped immediately. 

IT IS CLEAR TO ME THAT THIS BANK/COMPANY ENGAGES IN FRAUDULENT BILLING PRACTICES FOR PROFIT. PLEASE STOP THEM.

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 2018-10-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Hey, I was going through my reports and saw some inquiries on there that I have no idea why they are even on there. 
XXXX XXXX XXXX  Usa ( XX/XX/XXXX ) ~XXXX XXXX Na.., XXXX XXXX ( XX/XX/XXXX ) THESE WERE NOT AUTHORIZED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
XXXX XXXX was supposed to assist us with closing a HELOC but then created a word document about us working XXXX XXXX. Which one party on the loan also works for a XXXX  and for requests like that YOU the loan processor are supposed to request that. XXXX literally said she didn't know how to do it and that we had 3 days to get it figured out or she'd close it. This process was less than 3 weeks open. And that harassment was the first time she contacted us. All over a work XXXX XXXX letter? All these requests were given, even the job letter that states its work XXXX XXXX was deniedit seems she trying to not allow our loan to process. And when another loan processor was requested, XXXX XXXX XXXX XXXX we had to deal with it and that we had to harrass our HR for more documents to get a loan. Any institute that I've proceeded with aloan through even Navy Fed has actually done their job but not these 2 ppl. They've went out of their way to lie and herras us to kill the loan. 
They literally were trying to make sure our jobs knew we were taking out loans and trying to sabotage us from getting them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, 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 the list of accounts below has violated my federally protected consumer rights to privacy and confideniality under 15 U.S.C 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

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

15 U.S.C 1681C ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX is re-aging the debt which is against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I lost my checking/ debit card and it was taken from my home only one person was here that could have stole it. They also have accessed my phone XXXX account or my cell phone in general

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 2022-12-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
2019 repossessed 2019 charged off been reporting since XXXX 2019nasa charge off with a past due balance charge off cant report as past due since debt is charged off

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 2022-07-29
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 asked trans union to show me the information they found that shows the accounts belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation