BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a few student loans that report to all three bureaus but most of them are over 8 years since they were last reported. The last reported date is incorrect and I've asked for it to be fixed. Knowing that these accounts are more then 7 years old these accounts should be removed from each of the credit bureaus. I've contacted them and have had no response in 60 days. This hurts me and I hope this is the last time I have to address this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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, 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 this is not me once again however I keep getting these negative reports and it's hurting my credit

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 2022-07-19
Company: EQUIFAX, INC.
State: SC
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 submitted a letter to the XXXX Credit Bureaus XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was, already included in my prior COMPLAINT # XXXX, XXXX XXXX, and I'm including it again. DEPT OF EDXXXX XXXX Balance : {$1100.00} ; DEPT OF EDXXXX XXXX Balance : {$3000.00} ; DEPT OF ED/XXXX  XXXX Balance : {$2300.00} ; DEPT OF ED/XXXX XXXXXXXX Balance : {$6200.00} ; DEPT OF ED/XXXX XXXXXXXX Balance : {$5000.00} XXXX DEPT OF ED/XXXX XXXX Balance : {$2500.00} ; DEPT OF ED/XXXX XXXX Balance : {$5100.00} ; DEPT OF ED/XXXX XXXX Balance : {$2400.00} ; DEPT OF ED/XXXX XXXX Balance XXXX {$2500.00} ; DEPT OF ED/XXXX XXXX Balance : {$5100.00} ; DEPT OF ED/XXXX XXXX Balance : {$3100.00} ; DEPT OF ED/XXXX XXXX Balance : {$3900.00} ; XXXX XXXXXXXX XXXX : {$2.00} ; XXXX XXXX XXXX XXXX Balance : {$91.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XX/XX/XXXX - XX/XX/XXXX   {$10000.00}  XXXX   XXXX   XXXX  says I owe Dispute after dispute after dispute to no avail ...   Contacted th e Better Business Bureau an d reported incident Reported to  The Attorney Generals Office  and told entire story Called  XXXX   XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX is erroneously reporting incorrect information on my credit file. They are reporting 2 new lates XX/XX/19 & XX/XX/19 on an account that has been closed for over more than a year!! This is beyond careless and affecting my credit. I am requesting that they remove these lates on an old account # 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 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX is erroneously reporting incorrect information on my credit file. They are reporting 2 new lates XX/XX/19 & XX/XX/19 on an account that has been closed for over more than a year!! This is beyond careless and affecting my credit. I am requesting that they remove these lates on an old account # 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 2022-07-19
Company: EQUIFAX, INC.
State: WA
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, 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 this is not me once again however I keep getting these negative reports and it's hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Bread Financial Holdings, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I used  Paypal to s end {$25.00} to someone. It was not clear to me that credit was being extended ( I had linked by bank account ). I got emails that my account was due, but nothing to the effect that major fees were being accrued. I figured, given usury laws, the most I 'd be charged would be 22 %, so {$5.00} of fees. Today I find out that I owed  XXXX  {$35.00} fees and  XXXX  {$25.00} fee, for a total of {$95.00} of fees and charges for just {$25.00} sent. This is crazy. I called the company, and spoke to "  XXXX  '' who was rude and condescending, and basically laughed at my plight. I think Paypal is harming consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX is erroneously reporting incorrect information on my credit file. They are reporting 2 new lates XX/XX/19 & XX/XX/19 on an account that has been closed for over more than a year!! This is beyond careless and affecting my credit. I am requesting that they remove these lates on an old account # XXXX for both me and my wife.

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 2022-03-24
Company: DISCOVER BANK
State: AZ
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:
XXXXXXXX XXXX XXXX XXXX and Discover all lied to me and reported late payments on my credit report when they promised not to as I paid off the balances in full. I have the conversations recorded where they said they would not report the payments as late because I was sick qith XXXX  XXXX. All of them then immediately turned around and put a late payment on my credit. Which caused other accounts to do hard pulls on my credit report without my permission or any notice which then further damaged my credit score. 
All of this resulted in Discover card and XXXX XXXX closed my accounts due to my current credit situation, citing a reason that was not a part of the approval process when they approved the credit lines. This did further damage to my credit report. A VERY SIGNIFICANT AMOUNT OF DAMAGE. I own my own buisness and am struggling to to keep it open. Because of all of this no one will lend me a dime and I will be out of buisness before the end of the summer 2022. This completely skewed policy or loophole that allows a lender to close your account because suddenly they are unhappy with my credit score allows them to, subsequently, do a bunch more damage to your score should not be legal. Why is there no one on the side of the consumer? No pathway for recourse? I've tried calling the creditors numerous times to get them to take it off, I've disputed this with all of the mentioned creditors with the big three agencies numerous times. This has single handedly ruined my life and my future. Getting XXXX  for 2 months was not supposed to be met With financial ruin yet here I am before you, the ruined man about to be XXXX, XXXX XXXX XXXX, lose the reputation I've built around my service, and the immense amount of credit building I've been doing the last three years has been all for nothing. Thanks to all the banks and corporations who own our government. Who run our country. Who ruin our country. In the name of their greedy shareholders bottom lines. I am XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Houston Finance Co.
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:
I did a preliminary application with  XXXX   XXXX  to see if I could be pre-approved for a loan, however I was not aware that they were a sister-company f or Houston Finance in which I had previously had a loan. The company pulled my report without my knowledge, and when I contacted them to inquire about the preliminary application that I had submitted they then proceeded to inform me that they could not give me a loan because I 've had one before with their sister-company which was fine but I had no idea they had pulled my credit report until I viewed my credit report. I then called them to ask why would they pull that knowing that I had, had a loan with their sister-company but the representative could not give me a valid answer.      It is unfair to consumers for these companies to without knowledge to the consumer to pull credit reports before verifying whether or not the consumer has been a previous client.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX is erroneously reporting incorrect information on my credit file. They are reporting 2 new lates XX/XX/19 & XX/XX/19 on an account that has been closed for over more than a year!! This is beyond careless and affecting my credit. I am requesting that they remove these lates on an old account # XXXX for both me and my wife.

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 2022-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Friday XX/XX/XXXX our accountant went into the branch and deposited our money. The deposit slip was filled correctly. While the money part was transferred back in as a result of that problem our fuel card was shut off. In order for it to be reinstated the bank has to fill out a form for the fuel company which they're refusing to do. They feel like the issue they caused is resolved but their mistake has at this point a week later has cost us XXXX in revenue. Bc that fuel card is our life line. And it goes up about XXXX a day. The manager or VP of the branch as she calls herself has no cooth or moral integrity. To fix a problem her associate caused.

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 2017-02-13
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I obtained a loan from Tower Loan on XXXX for the amount of {$2500.00} for funiture that my son needed. 
My son was making the payments on this loan and I was n't aware that he was behind on the payments. ( I still have n't seen proof of the fact they say he was behind ) When I became aware of the late payment, through a phone call from a representative from Tower Loan, I got a copy of my credit report dated XXXX XXXX, XXXX and there were no late payments reported on that credit report. 
I started receiving calls from Tower Loan representatives in XXXX, XXXX threatening to sue me because I had n't made these payments. They would call me at work, and on my cell while I was working with patients. I only answer calls while I 'm at work if they could possibly be emergencies from family members. Since I did n't recognize the numbers that called, I would answer. ALL of the representatives from Tower Loan have been abusive and agressive in their communication with me. One representative imparticular told me he pulled my credit and that it looked like I was " running around town getting loans and defaulting on them ''. I would explain that I would call them back after I got off work and they would yell and scream at me, telling me that they were going to sue me. 
First of all, I NEVER gave them permission to pull my credit. As far as defaulting on any loans, that is simply not true. 
I have been fearful of answering my phone since this started and I should n't be made to feel that way, since I pay my cell phone bill, not them. I find it hard to believe this is a legal way of collection practices. I have read the Fair Debt Collections Practices Act and it seems that this is highly illegal. I have since hired a credit expert and she is helping me get all of this mess handled. 
I am sending a copy of this to the FTC in hopes that someone can stop these people from doing this. 
Thank you for your time

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 2020-03-14
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
They sent out emails about updating my income for my repayment plan. I tried to do this on their website to which I received a 404 error, several times and across several days. I emailed customer service for help and even included a screenshot of the error and received no response. I also filled out a form on their website and they did not even read my issue as their response was generic information about the repayment plan. Without further communication from their customer service team my payment went from {$250.00} to {$1700.00}. Additionally, this isn't the first time I've had communication issues with this servicer, their customer service is horrendous. I do my part and pay on time every month. They should do theirs and SERVICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: CA
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:
In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please delete the following items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the items listed below : XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX, XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: CA
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:
In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please delete the following items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the items listed below : XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2017 Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : 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 2022-03-24
Company: N.A.R., Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There original debt was showing {$520.00} and the debt collector has changed the amount which is inaccurate to over a {$1000.00} with no communication.

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 2015-11-13
Company: AMERICAN PORTIFOLIO MORTGAGE
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX, American Portfolio Mortgage Corporation ( APM ) began servicing my mortgage account. This is the second time I have had to contact CFPB about APM 's mismanagement of my account within the past 3 months. I attempted to contact APM by phone to resolve this matter but was unsuccessful. 
XX/XX/XXXX, APM used funds in my escrow account to purchase flood insurance on my home ( See Attachment # XXXX ). At the time APM purchased this policy, I already had flood insurance, paid through XX/XX/XXXX. ( See Attachment # XXXX ) After APM purchased this unnecessary insurance for {$1100.00}, I was notified that I have a " Escrow Shortage Amount '' of {$1000.00}. APM advised me that the shortage " may result in an increase in [ my ] payment ''. ( See # XXXX ) APM 's " Escrow Account Projection For The Coming Year '' shows flood insurance in the amount of {$980.00} due in XX/XX/XXXX. ( See # XXXX ). This is further evidence that the flood insurance APM purchased XX/XX/XXXX was not warranted. 
The XX/XX/XXXX projected payments FROM my escrow account total {$3900.00} ( See # XXXX ). The XX/XX/XXXX projected payments TO my escrow account total {$4700.00}. This difference amounts to a {$790.00} surplus in my escrow account. ( See # XXXX ). 
The alleged escrow shortage projected by APM is a direct result of the flood insurance wrongfully purchased by APM XX/XX/XXXX. There is NO shortage in my escrow account, nor any basis for increasing my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I left an apartment complex ( XXXX ) a month early in order to move to better and more affordable housing in 2012. I had a deposit still held by them. I told the office of my need to leave and established the date I would turn in my keys. They had my phone number, email, and forwarding address and agreed to contact me with any remaining balance owed. I received no communication from XXXX nor IQ Data International, who this was immediately sent to collections with ; I had no notice before it appeared on my credit report and no ability to pay before this derogatory item appeared on my credit report. Since then, the balance has seen a 50 % increase in " fees. '' I recently disputed this with an online form through the credit bureaus, however it was not understood and all IQ Data International did was send in an itemized list ( which I saw for the first time ) from XXXX and fees without itemization from IQ Data International. 

I am disputing and suffering from two deceptive practices. The first, is that I never was contacted in advance of any collections and negative reporting. Second, astronomical and unexplained fees have been levied by this company as a direct result of the first.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Ive reached to XXXX NUMEROUS times, Ive disputed theses items on my credit report numerous times and they still have failed to provide proof that these items are mine. XXXX  was unable to verify these items so they have been deleted from my credit file. Im very curious to know how XXXX  was able to verify these items but XXXX  wasnt, Im demanding they provide proof, I would LOVE to see it.

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