BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: VA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
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:
XXXX apartments is trying to collect an amount of money for maintenance and cleaning of the apartment and they sent me to collection with XXXX.without informing me on a timely manner. 
I understand they changed management, I was waiting to get my deposit returned because when I left the place I was informed that I would have to wait a while. I kept in touch with XXXX to check the status of my deposit. When I left the apartments I informed her of my new address and she documented it. Later, checking in with her I found out I was sent to collections. 
XXXX suggested to call the collection agency. I asked her why? She tried to help me but she said she did n't know. The collection agency was then the XXXX who informed me about the charges over the phone. I asked them to send it in writing. 
The apartment complex did n't provide with an accounting of the moneys deducted from the security deposit within 21 days per California civil code 1950.5. 
Regardless, my deposit well covers all the charges they are stipulating and I still have not get any money back. The manager told I should not be charged for the carpet cleaning since it was not clean when I moved in. I consider that the charges are grossly exaggerated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account ending in XXXX does not belong to me. It is currently reporting as a charged off account. My correct account with XXXX XXXX is in good standing. I do not know where the charged off account originated from. I demand the erroneous account information be deleted immediately. 

Thank you for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: GUARANTEED RATE INC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I applied for a mortgage refinance with Guaranteed Rate, Inc in order to refinance my primary home ( XXXX XXXX, 2016 ). During this time I worked with a mortgage banker for their company in order to get a good rate for refinance. 

In the course of doing business with them, it came a time where the company refused to give me an updated Loan Estimate unless I completed a {$400.00} appraisal deposit to " move to the next step in the process. '' I paid that fee ( XXXX XXXX, 2016 ) and still was not able to receive the updated Loan Estimate. Due to this I decided to cancel my application with the bank and go with another provider who was more willing to work with me. 

After I cancelled my application with them, I was told that I would receive back my deposit, as the appraisal was never completed. I was told that it typically takes up to a week to receive back the deposit. As of today ( XXXX XXXX, 2016 ) I have yet to receive back the {$400.00} that I paid in deposit to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Tower Loans, XXXX Missouri after being asked in writing to stop harassing calls, continues to call me multiple times per day. They call my work cell phone despite being asked to stop. They continue to call over and over, and leave messages that say " I know you have made your payment, but we need to talk to you ... '' or " this is XXXX, please call me back ''. They call from ( XXXX ) XXXX and ( XXXX ) XXXX mostly.

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 2016-02-01
Company: LENDER LIVE
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Here in Colorado my mortgage company was bought out by Lender Live last year ( about 11 months ago ). Since then Lender Live 's website has been nonfunctional and erroneous despite my numerous requests that they fix it. The website would not allow me to enter my account numbers properly for some reason. They claimed it was because I have ( and use ) an XXXX XXXX. The result has been my payments are late and Im penalized over their errors. Also I have been told several times for several months ( at least XXXX ) that the problem was being addressed. Most recently when I finally was able to talk to a manager I was told that there was nothing being done to fix the problem. I have been lied to repeatedly and I put in several unanswered requests that a manager contact me. This company has no responsibility for what they say whatsoever. Attempts to contact the company on the phone results in at least 30 min to an hour of time spent and a supervisor or management is almost never available.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. These actions violated my rights. 


XXXX XXXX. XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX. XXXX section XXXX A section XXXX, It also states a consumer reporting agency can not furnish an account without my written instructions. 

The Credit Reporting Agencies stated the account was properly investigated but these items in my attached credit report show different.

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 2022-03-28
Company: Aldous & Associates, PLLC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today, on XXXX I received an alert on my XXXX credit monitoring service, that a company called ALDOUS AND ASSOCIATES reported a collection on my credit file. The date of the aforementioned collection was reported on XX/XX/22, with the original creditor name of " XXXX XXXX XXXX XXXX '', for the amount of {XXXX}. 

I have never been contacted by ALDOUS AND ASSOCIATES. Not by phone, email or mail. I did not receive a notice as to the debt in any form, the first time I became aware of this allege debt was to see it as a derogatory report on my credit file, today on XX/XX/22. 

ALDOUS AND ASSOCIATES violated rule ( 15 U.S.C. 1692g ( a ) ) by reporting a derogatory collection to the credit bureaus without sending me a Debt Validation Notice. 

Furthermore, The report that was filed is missing several key metrics that are required for a legitimate derogatory report to be valid. 

Information missing from XXXX 's collection file : Amount Past Due : Not Reported Account Type : Not Reported Credit Limit : Not Reported Amount Past Due : Not Reported Date of Last Payment : Not Reported Monthly Payment : Not Reported Payment Frequency : Not Reported The negative impact on my credit report due to this erroneous claim is significant. I am requesting that it be removed immediately, and that the creditor ALDOUS ASSOCIATES provide all required information to lawfully report this debt to the credit bureaus. 

ALDOUS ASSOCIATES XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
I have started disputing inquiries with Experian since XX/XX/2021. These inquiries are not valid because they are for business credit which I did not authorize to have placed on my personal credit report! I wasn't even told it would be. When I sent in my disputes in XXXX, I never got an answer from Experian so I sent another dispute on XX/XX/XXXX. When they didnt respond AGAIN, I sent another letter on XX/XX/XXXX and this one was sent through certified mail, which they received and I have included that delivery confirmation.

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 2022-04-15
Company: Experian Information Solutions Inc.
State: MN
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 Fair Credit Reporting act XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-03-23
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: Information belongs to someone else

Complaint:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify. if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX  XXXX {$670.00} XXXX/XXXX  XXXX {$810.00} XXXX   XXXX {$10000.00} XXXX/XXXX  XXXX {$610.00} XXXX  XXXX {$16000.00} XXXX  XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$1500.00} XXXX XXXX {$890.00} XXXX XXXX  XXXX {$770.00} XXXX/XXXX XXXX {$1300.00} XXXX  XXXX  XXXX {$960.00} XXXX/XXXX  XXXX XXXX  XXXX {$1400.00} XXXX/XXXX  XXXX {$4000.00} XXXX/XXXX   XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: 360 MORTGAGE GROUP LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
360 Mortgage has made several billing errors regarding my loan XXXX. The mortgage company is reporting various amounts due in the past 5 months. The company has violated the Fair Billing Act and Fair Credit Reporting Act. The company has added default cost of {$100.00}. My loan was on a repayment plan from XXXX through XX/XX/2015. The representative 's XXXX and XXXX stated it was due to the company having to send someone to my house to verify residence. I asked the representative 's to submit me proof or remove the charge from my statement and they stated they could not. The company has continued to call several times a day and harass me to about paying the amount. The company has sent me a statement that my payment amount will be increasing by {$43.00} due to " escrow shortage ''. I just increased my deductible for my insurance and XXXX refunded 360 Mortgage Company {$240.00} 3 days ago and lowered my premium. The representative XXXX stated my insurance premium increased and that was the reason for the increase payment. This is a deceptive business practice to get monies from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: WI
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: Was not notified of investigation status or results

Complaint:
I dsiputed these accounts with the credit bureaus and some were deleted and reinserted without me knowing and some I have heard nothing about my dispute as if they are ignoring me. I also see an account was reinserted with a different account number. I do not know whats going on or how they can be doing this without informing me first.

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 2022-03-28
Company: First Financial Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account with the creditor as well as the credit bureaus mutliple times. Both of which have failed to respond or send any proof that this debt is actually valid and legal. I believe this account also violates my personal HIPPA rights as it clearly shows its from a XXXX office and if you look at the account the reported dates are inaccurate across all 3 bureas which i believe is another violation of my rights. I have sent letters in XXXX and again in XXXX regarding this specific account and no one can seem to get back to me or fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: JPMORGAN CHASE & CO.
State: NY
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 ask for Validation from chase bank because they are reporting a account i am not sure of i was sent a letter stating Account info rmation is not available? i also asked   XXXX   to verify and I would Like Proof As per Sec 605, 609, and 623  no proof was every provided but replied back that Chase Bank  Verified  account and updated it on  XXXX   XXXX ,  2017 .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
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: Account status incorrect

Complaint:
I have 2 XXXX XXXX accounts on my credit report. 

I do not owe XXXX XXXX and never have i have always paid directly through my employer. 

one of my accounts is for my child who turned XXXX in 2020 and the XXXX XXXX  case was closed. it is reporting as a charge off. 

there are no amounts or balances on these accounts and it reports as XXXX which is untrue they do not report the monthly payments I make that are not in default. 
I have disputed with the bureaus, and they say the information is accurate when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING AND XXXX  ACCOUNTS -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX HAS VIOLATED MY RIGHTS - 15 U.S.C 1681 SECTION 603 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 2016-10-19
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have never had such medical bill. I have never visited medical facility in the mentioned place. I just saw the derogatory marks in my credit report XXXX morning and that to XXXX bills from same place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently reviewed a copy of my credit report on XX/XX/XXXX and XX/XX/XXXX noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull 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 2021-03-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently reviewed a copy of my credit report on XX/XX/2020 noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull 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 2017-02-06
Company: PNC Bank N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account with PNC Bank. My ATM card was stolen and used fraudulently. I was unable to get a police report because it happened in a different city than were I live and my local police dept would not assist. The police dept where the offense occurred also could not assist because the crime had already occurred and I was out of the city. It was a mess and I could n't figure out how to resolve it. While still in conversation with the branch manager - PNC abruptly closed my account. Now it 's a negative " SUSPECTED FRAUD ACTIVITY '' on my XXXX report. The total due is {$1900.00}, which is ridiculous and incorrect. But my hands are tied because they closed the account so there 's nothing to dispute. They already sent it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Received telephone call from XXXX XXXX acting as a XXXX  XXXX XXXX XXXX in XX/XX/2018. During the call i was given bank details ( XXXX, XXXX, bank address details in XXXX ). 

Following the call I went to my local XXXX branch and made the following payments to them : XXXX XXXX XXXX XXXX XXXX XXXX The following reference is showing on my bank statement XXXX XXXX XXXX XXXX. 

I have tried contacting XXXX XXXX limited without any XXXX. I'm trying to withdraw the money.

Company response to consumer: Closed with explanation