BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
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: Investigation took more than 30 days

Complaint:
Experian has many open complaints XXXX XXXX and more PLEASE NOTE FINAL LETTER WITH SUPPORTING DOCUMENT " LEGAL DOCUMENTS '' sent regestered letter on the XXXX this month THE DOCUMENTS ATTACHED QUALIFIED FOR IMMEDIATE REMOVAL in my request I asked for XXXX XXXX XXXX to XXXX removed from all and re assign to another legal advisor also in my complaint/dispute I asked for personal statement PLURAL to be removed as well SHOWING NONE also I asked all creditors showing included in XXXX XXXX record to be suppressed and not showing debtor information this is a tactic Experian uses to the advantage of THERE CLIENTS as far as my dispute Public Record I supplied XXXX with XXXX XXXX Letter with XXXX direct contact to correct the filing date but all good I have my court discharge letter also in my disputes with Experian I will admit I got confused with a XXXX report I am XXXX XXXX  and denied mortgage loan lease establishments for the errors on my reports as far as XXXX he took my errors and XXXX it to a advantage to make me look stupid I suffer from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and or comprehend his replys I best XXXX  him to be removed

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 2022-08-29
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
This complaint is in reference and in accordance with the Fair Credit Reporting Act ; this is in reference to Mid land Funding account # XXXX and XXXX account # XXXX XXXX XXXX XXXX XXXX states that individual consumer, I, have the right to privacy 15 USC 1681section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had a {$10000.00} limit for years. I have had no delinquencies and have never gone over my credit limit. My credit score has been under 600 for over a year. I paid {$1500.00} on my balance on XX/XX/XXXX and on XX/XX/XXXX my credit limit was decreased to {$1600.00}. The Home Depot credit card customer service supervisor said it was just coincidental. I explained to her I paid the {$1500.00} and also paid other cards off/down in order to increase my credit score, and that by lowering my limit they are preventing that, and for them to drop my limit that low was ridiculous, even the first customer service rep made that remark. Her solution was I could request an increase which means they would need to run my credit. She could not explain how they lowered my credit based on my credit report but would need to run my credit again to raise it. They just ran a report supposedly when they lowered 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
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
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've formally requested XXXX XXXX  to validate and verify the negative account they've reported on my personal credit profile, specifically asking for an acknowledged agreement and transaction history regarding the balance calculation. However, they've declined to furnish any documentation validating this account while still reporting this unverified debt on my credit report.

Company response to consumer: In progress
Consumer complaint received 2021-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Unfortunately, I was a victim of fraud and identity theft and although I bank with Bank of America and have a Bank of America credit card, they were unable to provide me any assistance with the matter. 

For background, I am a mystery shopper working for a company called XXXX. I was a victim of fraud when someone posing as the mystery shopping company asked me to purchase 3 XXXX gift cards of a value of {$500.00} and have me send them the gift cards and rate my shopping experience as part of my duties. 

At first they made an {$1800.00} payment to my card which should have covered the gift cards and my reimbursement for the survey and experience report but that payment was canceled. Shortly therefore after, a payment of {$1500.00} was made to cover my expenses but that was canceled as well. I am now not only being charged for the gift cards which were part of the fraud but also for the two cancellation fees and late fees that incurred on my card. 

My bank has refused to do anything about the case even though I was a victim of identity theft and fell victim of a scam/fraud in which they stole the identity of the company I work for. Their website clearly states that they have a {$0.00} liability guarantee as long as fraud is reported promptly, which it was, yet they are telling me I am not covered. They need to resolve this matter immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
on XX/XX/2022 I notice some inaccurate information on my credit profile. I disputed these inaccuracies on XX/XX/2022. On XX/XX/2022 I notice I has not received response. In understanding of the new " normal '' in the workforce in today times I patience extended a courtesy and continue to wait for a response yet and still no response. On XX/XX/2022 I again have sent another letter to get this matter resolve. Now as understanding and patience as I am trying to be this inaccurate information is affecting my life and I no longer can extend that courtesy.

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 2023-09-26
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : OFFICE OF THE ATTY GEN XXXX Balance : {$19000.00} US DEPT ED XXXX Balance : {$7500.00} US DEPT ED XXXX Balance : {$2700.00} US DEPT ED XXXX Balance : {$4000.00} US DEPT ED XXXX XXXX : {$1600.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00}

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 2023-08-30
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 

This item XXXX XXXXXXXX account XXXX is inaccurate because It contains inaccuracies on my credit report. Based on the information obtained from other Credit bureaus the Date Opened, Last Payment made, XXXX XXXX amount, and Close Date are inconsistent throughout credit bureaus XXXX, XXXX, and Equifax. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX account XXXX is inaccurate because It's missing from the Equifax credit report. Based on the information obtained from other Credit bureaus the High Balance, Date of last activity, Date Opened, Close Date, and XXXX XXXX. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX OF XXXX account XXXX is inaccurate because It contains inaccuracies and errors on my credit report. Based on the information obtained from other Credit Beraous the High Balance, Date of last activity, Date Opened, Close Date, Last Payment Date, and XXXX XXXX. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX OF XXXX account XXXX is inaccurate because It contains inaccuracies and errors on my credit report. Based on the information obtained from other Credit Beraous the account number is invalid and missing, Also, High Balance, Date of last activity, Date Opened, Close Date, Last Payment Date, and XXXX XXXX. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX OF XXXX is inaccurate because This item is not being reported on Equifax but only being reported by XXXX and XXXX, Also, It contains inaccuracies and errors on my credit report. Based on the information obtained from other Credit bureaus the account number is invalid and missing, Also, High Balance, Last Verified, Date of last activity, Date Reported, Date Opened, Close Date, Last Payment Date, and XXXX XXXX. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
Enclosed is documentation supporting my request : Credit Report XXXX showing the inconsistencies reported by XXXX, Equifax, and XXXX showing different wrong contradicting information from each other. 
Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Experian and XXXX are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$6.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5000.00} XXXX XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) Experian and XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2017-01-02
Company: NATIONSTAR MORTGAGE LLC
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is currently serviced by Nation Star. My regular monthly payments are {$500.00} per month and Nation Star has imposed {$530.00}, {$530.00} and {$530.00} monthly charges over the last 60 months ( see attached ). Nation Star claims that the increase in the overall escrow is due to an increase in taxes. However, my taxes were reduced from {$860.00} to {$510.00} per month, due to Kentucky Homestead law. My P & I is {$450.00} per month and since my taxes equal {$43.00} per month, therefore my monthly payment should equal {$490.00} per month. Overall, have been overcharged {$34.00} for a sixty month period, which equals a total amount of {$2000.00} overcharged. On XX/XX/2016 Nation Star demanded payment of {$920.00}, even though I have made all of my payments timely each month. Nation Star advised that these funds needed to be paid in order to avoid foreclosure. Nation Star has refused to prove up the math behind the alleged delinquent amounts. The statements that they have issued have not matched the oral amounts listed. Both CFPB mortgage servicing laws and RESPA law require that transparency within accounting be present during mortgage servicing. Nation Star is in violation of both CFPB and RESPA law. Overall, I feel cheated and deceived by Nation Star and I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: CHARLES SCHWAB CORPORATION, THE
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I bank with Schwab so I rely on brick and mortar banks to withdraw cash. On XX/XX/2023 around XXXX, I withdrew money from the XXXX XXXX drive-through ATM located at XXXX XXXX  XXXX XXXX, XXXX XXXX, NV XXXX. I selected {$250.00} to withdraw but only received {$200.00} with no receipt. I drove my car around to the front and parked. I first opened my Schwab account to confirm the amount withdrawn. It said {$250.00} ( the {$250.00} + {$3.00} ATM fee ). Then I went inside to report what happened to a human. I waited in line for XXXX minutes, then spoke to a teller and his colleague who asked me a few questions then provided me a business card. I was told ATMs are handled by a third party, so there is nothing anybody in the bank could do to help, and that I need to report it to that number. At XXXX, I went to my car and called the number on the card. I was told that I need to dispute this with my own bank as they couldn't do anything to help me since I'm not a XXXX XXXX customer. At XXXX, I called Schwab and opened a dispute claim. On Wednesday, XX/XX/XXXX, I was notified that the investigation was completed and denied. XXXX XXXX provided a paper copy of their records that the correct amount was distributed. I called Schwab at XXXX to follow-up, asking if they are able to ask for video evidence, as that would prove the full amount was not dispensed. I was told I need to talk to XXXX XXXX as Schwab will not re-open the case without additional evidence. I called XXXX XXXX at XXXX. I was told again and again that they can not help me unless I am either ( a ) a XXXX XXXX customer; or ( b ) the bank. I was told I need to talk to my own bank for any further action. I called Schwab again at XXXX and explained that XXXX XXXX is not willing to work with me since I'm not a customer, but would work with the bank. I asked if they are able to ask XXXX XXXX for the video, as I have the exact date, time, and location of the ATM withdrawal. The Schwab agent told me again that the case will not re-open without additional evidence from myself. I filed a CFPB complaint against XXXX XXXX on XX/XX/XXXX, and again on XX/XX/XXXX due to their failure in addressing my ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I just got another letter from Nationstar stating that they received an application from me for a loss mitigation option. I never discussed loss mitigation option with anyone at Nationstar nor applied for it. I have no idea of what they are talking about. Again, and it is crystal clear that this is their scheme to steer me away from the HAMP Loan Modification I applied for XX/XX/XXXX which Nationstar have been processing before XX/XX/XXXX and even after XX/XX/XXXX when they took it over and is still in progress and is yet to resolved. Attached is the letter I received from Nationstar Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 following companies violated my rights XXXX  XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX Acct # XXXX According to 15 U.S.C section 602 A, I have the right to privacy and my privacy had been violated.

15 U.S.C 1681 section 604 A section 2 also states, a consumer reporting agency can not furnish an account without my written consent and I did not provide any written consent for my information to be furnished in which this too is another violation.

I DEMAND the removal and deletion of all accounts listed above immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-21
Company: Opportunity Financial, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This loan interested was not disclose at the beginning of the online application. No body call or contacted me to tell me the HIGH RATES. 
A {$2000.00} loan on XX/XX/2023 that I already paid {$2700.00} as of XX/XX/2023 They want to add {$1600.00} in more interest for a 7 month credit. 

This is wrong in every way how can they be allow to charge this kind of rates. 
The loan is paid and the already got {$730.00} in fees and still want to charge more. 

I need your help!!!

Company response to consumer: Closed with explanation