BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you 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, and I'm including it again. 
XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20
Company: CITIBANK, N.A.
State: KS
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:
More than a month has passed and The Home Depot has not updated the balance on my XXXX  credit report to XXXX. I contacted The Home Depot and have been ignored.

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 2022-02-17
Company: EQUIFAX, INC.
State: CT
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Experian Information Solutions Inc.
State: GA
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 SENT A DISPUTE TO EXPERIAN IN REGARDS TO A UNVERIFIABLE BANKRUPTCY, EXPERIAN VERIFIED THE BANKRUPTCY, I CONTACTED THE COURTHOUSE THEY SAID THEY DONT DO BUSINESS OR VERIFY ANYTHING WITH THE CREDIT BUREUAS.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern, I am writing to file a formal complaint against Experian regarding their persistent failure to remove inaccurate and damaging information from my credit report. This inaccurate information pertains to a false address listed on my credit report, which is having a detrimental impact on my financial standing. The address in question is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I must emphasize that I have never resided at the aforementioned address. In reality, this address corresponds to a XXXX Retail store located in a shopping center in XXXX, XXXX. My legitimate and only address is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have made multiple attempts to rectify this issue by contacting Experian through various means, including written requests and emails. Unfortunately, Experian has been unresponsive to my concerns and has repeatedly provided automated responses, refusing to take any action to remove the false address from my credit file. 

This false address is adversely affecting my creditworthiness, causing unjust harm to my financial stability and preventing me from securing the loans and financial opportunities that I deserve. I believe that Experian 's actions, or lack thereof, in this regard are in direct violation of the Fair Credit Reporting Act ( FCRA ). 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take the necessary steps to compel Experian to correct this error on my credit report promptly. I also request that Experian be held accountable for any potential violations of the FCRA in their handling of my case. I have attached proof that the alleged address is NOT a residential address but a XXXX retail store in a shopping center. XXXX it and call the store! How could Experian miss the obvious? 

I appreciate your attention to this matter and your assistance in resolving this issue. Please find enclosed the supporting documents, including copies of my correspondence with Experian and any other relevant materials. 

Thank you for your prompt attention to this complaint, and I look forward to a favorable resolution to this matter.

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 2023-04-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After reviewing my credit report and doing some research I noticed that was reporting on my credit report but is in violation of my rights as a consumer in several different ways for one the IRS say After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. 
I never received a 1099c. The IRS also stated the amount of the canceled debt is taxable and you must report the canceled debt on your tax return for the year the cancellation occurs.. If that debt is taxable income to me and charged off from your company why is it still showing on my credit report with a balance of XXXX. This is inaccurate information reporting on my credit report. ACCOUNT # XXXX In violation of FCRA 15 US Code 1681b ( a ) ( 1 ) ( 2 ) permissible purpose In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
In accordance with the written instructions of the consumer to whom it relates.

Violation number # 3 FCRA 15 US Code 1681a ( 2 ) B ) Violation number # 4 FCRA 15 US CODE 1681e ( b ) This Is a violation of the FCRA and Is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CR5A enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.

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 2020-03-20
Company: EQUIFAX, INC.
State: AR
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 mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and two other other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: HEARTLAND PAYMENT SYSTEMS INC
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have a private loan from the XXXX XXXX XXXX XXXX XXXX XXXX  being serviced by Heartland ECSI. I submitted a deferment request XX/XX/XXXX in which the loan would deferred with payment due XX/XX/XXXX. This loan was accumulating late fees on my monthly generated bills. I contacted ECSI 10+ times to address this. I asked why a loan in deferment was accumulating fees. They could not answer me. I asked several times for the Finance Department number and was rejected. I asked for the Finance Department to call me to resolve unwarranted late fees. Multiple times a was assured a ticket had been created. I never received a call. This has been going on for 6 months with multiple hour long plus phone calls with no resolution. The employees in fact agreed, with the signed deferment paperwork, that I should not be accumulating late fees when no payments were due. The responses from the clearly incompetent phone answerers ranged from I it was resolved, dont worry to why dont you have money to pay it to someone will call you within 48 hours. This is absurd that they can charge fees out of contract negotiation. I was told today that they cant take the late fee off of my account due to policy, although they cant explain why I have late fees on an account with a bill that isnt due until XX/XX/XXXX. I was told a ticket was being created and XXXX ( the employee ) refused to provide me a ticket number. I was also refused to be allowed to speak to a supervisor or a representative of the finance department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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:
I was charged a foreign transaction fee for a purchase I made on XX/XX/2023. I was surprised to see the charge as 90 % of the credit cards I own don't charge a foreign transaction. I called to ask if it can be removed, and the first rep. said he will remove it and put me on hold to do so, and then the line got disconnected ( I the time I thought, this was accidental on their end, but now I suspect it was INTENTIONAL ). Then, I called back and told what happened to the new rep. that picked up, and she said if I have not had a fee waived in 12 months, she will be able to waive it for me. She checked and verified that I did not have any fees waived in the past 12 months, and said she waived it for me. 

One week passes by, and I notice the fee is not credit back to my account, so I call to follow up, and the rep that answered said it was waived and will be posted by XX/XX/2023. XX/XX/2023 came and went, and the fee was still not credited back to my account! So I called today ( XXXX ) to follow up again, and asked to speak to a supervisor this time. A supervisor by the name of " XXXX '' answered and notified me that they do not waive fees, and I have to do it at a 'local branch. '' She also told me that their are " no notes '' indicated the fee was waived by any of the three reps I previously spoke with! All the reps lied to me and the first one even hung up the phone on me! 

So, then I called my local branch of " Bank of the West '' just XXXX mins ago, to ask them to waive the fee, and she told me she has no access to my Bank of the West Credit Card, and that I would need to call the XXXX on the back of the card to get the fee waived! Which is what I already did and explained here what happened! 

This bank of lying to their customers and hanging up the phone on them! They have the WORST service I have ever come across!

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 2023-12-07
Company: Sunset Management, Inc
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I XXXXXXXX XXXX XXXX XXXXXXXX  and informed Sunset Finance in XXXX, GA that I was going to be on unpaid XXXX  XXXX  until XXXX, ever since I missed my first payment I have received calls from blocked numbers, nasty comments from the manager and CSR XXXX. XXXX told me on XX/XX/2023 that they needed me to come into the office to sign insurance paperwork in order to help get my loan caught up since I am out of work. I took my XXXX week old into the office thinking that I was going to receive help from this company in order to get caught up, and the manager asked me to come back to his desk. With customers in the office he said loudly that I was XXXX payments behind on both of my loans, and that he could coming them to get me caught up but that I would have to pay {$250.00}. I informed him ( again ) that we are relying solely on my husbands income and that our rent alone is {$1300.00}, and that I had no way of paying {$250.00}. He told me to ask someone for help like my parents or a good friend, because he can call his mom or a good friend to help him. I called my mom while I was at his desk, and while talking to her I told him that it was unethical for his employee to tell me that I needed to come sign insurance forms, he stated that in his XXXX years of working there that the company has not covered XXXX. In short, I was lied to by his employee, he stated that he was not aware of what she said to me. This company has also sent someone from their legal department to my home when I was alone with my child ( XXXX weeks old at that time ), tried to get me to talk to their manager on the phone that day as well. I informed this company on multiple occasions that I am out of work, and have a XXXX  to provide for right now, and that he is my main concern. The manager kept saying in my XXXX years in this business he has also told me that he knows Im in the business but I havent been in it as long as he has. It was unethical of them to tell me I was coming to receive help from an insurance claim and then embarrass me in front of other customers. I had to take my XXXX XXXX  old into their office and one of the employees was wearing a mask, which tells me that he is either sick or was recently, which in turn puts my vulnerable infant at risk as well.

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 2020-03-20
Company: Bread Financial Holdings, Inc.
State: KS
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:
More than a month has passed and Comenity Bank has not updated the balance on my XXXX consumer credit card at any of the three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife has been unemployed now for 3 months and I am now self quarantine I have reached out to usbank home mortgage for a 90 day deferral and they said theres nothing they are doing to help on that and I feel with the current situation they should help I have now wasted over an hour on two different calls and they seem not to care

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 2022-02-17
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/XXXX I sent a dispute to Experian requesting a reinvestigation AND Method of Verification about the following account Fair Collection & Outsourcing dated ( Account Number XXXX ; Opened XX/XX/XXXX ; Balance {$960.00} ). Experian just sent me automated reply without providing proof of " Method of Verification ''. I have requested Experian method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

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 2021-09-21
Company: Experian Information Solutions Inc.
State: FL
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 filed a direct dispute with XXXX in XXXX of this year for fraudulent charges on my account. Several accounts were removed from my account. XXXX alerted both agencies of the fraudulent charges. However EXPERIAN is non compliant asking me for a police report for said charges after it has already been proven to be fraudulent. Experian has not removed this XXXX XXXX off my credit report subsequently my credit score has dropped horribly because of their XXXX bias. I spoke with XXXX and XXXX from Experian and neither one of these men were familiar with the Fair Credit Reporting Act. This alerts me for my protection as a consumer.

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 2023-09-04
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I tried to communicate this matter with to get this account remove from my report in XXXX XXXXI 've called numerous times to this revolve this issue the company has continuously violated my rights as a consumer. Which had hinder my ability to extend credit, worship God and provide purchases for my family and household use. These violations has also affected my XXXX XXXX, self esteem, performance on my job and my duties as a mother. I also have done an ETF report which will be updated along with this complaint. I have been delt with unfairly.

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 2020-03-20
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called Suntrust/ Truist to discuss options for extending my payment for a couple months due to being quarantined from COVID19 and not having sick leave or paid time off. 

First call was XX/XX/XXXX and they responded rather quickly, told me they could issue a forbearance for 3 months. 

At the end of those 3 months all payments are due ( 3 months of mortgage payments! ) .This is pretty much the " help '' they are discussing on every website. This does not help at all as in 3 months a massive payment would be financially devastating! They told me to call back. 

Called XX/XX/XXXX and they responded after 1 hour and 15 minutes. They ended up telling me the exact same thing. Forbearance with a 3 month balloon payment at the end. 

Simple fix, add a couple months on to the maturity date. Let the next couple months pass for people affected by COVID 19. 

Please help!

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 2023-12-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX XXXX : {$23000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I'm writing to express grave concern about intentional privacy violations by the XXXX major credit bureausExperian, XXXX, and XXXX. I have seen clear violations of the Fair Credit Reporting Act ( FCRA ) in which credit reporting agencies ignored the privacy rights outlined. Their actions, I believe, not only violate my right to privacy, but also flagrantly violate federal consumer credit reporting laws. I respectfully request your office 's intervention and investigation into this matter to ensure compliance with existing laws and the privacy rights of consumers.

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 2023-04-24
Company: T.S. Holdings
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received no notice in the mail of or otherwise, regarding this debt that they claim I cosigned on until they started calling me and I didnt know what they were talking about.

Company response to consumer: Closed with non-monetary relief