BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: IL
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:
This company illegal has fraudulent information on my credit report. These should have already been deleted from my credit report. I sent them XXXX letters already and no response over 90 days now and attached is my proof. These items should have never been on my report and the company had plenty of time to delete them but haven't Delete XXXX and XXXX XXXX off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hello, Both accounts are passed the 7 year mark to be removed from my credit history. Accounts XXXX and XXXX The last payments made on these accounts were in XX/XX/XXXX. Today 's date is XX/XX/XXXX it been a full 7 years. please remove these accounts fully from my credit reports. As i have written proof from date of last payment for both of these zombie debts.Thank you

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 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 2022-03-01
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
In 2020 I see I received a debit card but I never received the debit card and I put a dispute through trying to get my money and they denied me and I gave every document for them to see I did not receive my money or card my mother just passed abs Im just trying to get back on top of everything but it seems like life takes another direction I cant get into my account or anything and they still denied me and not helping me resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2023-12-14
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: Comerica
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Direct Express card is where I have my XXXX benefits direct deposit onto. They issued new cards starting with a different XXXX digit number, XXXX, and closed the Department that handles the old card starting with XXXX. It also closed the old card where I can not get the remaining XXXX payment balance. The company tells you to call the number on the back of the card but since the Department is closed the number doesn't work. 
I called the number on the back of the new card and they tell me they can't help me and that's where I'm at, can't use my remaining balance of my XXXX  benefit payment on the old card and no one will help at Direct Express

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Sequium Asset Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX I relocated out of the city and changed my address. After trying to purchase a home in XXXX my lender informed me there was a debt in the amount of XXXX from XXXX XXXX on my credit report. I never received notice of this bill, was not contacted by mail, phone or email of this bill. And after contacting the company and explaining I would have resolved this debt had I known about it and asking them to please remove the debt from my credit after I pay it. They explained to me that they can not remove the paid debt and that it would still report stating paid in full. It is very important to me, my fiance, my kids that this is removed because our future depends on it. But instead of this company be willing to resolve the situation they were rude, inconsiderate of the situation and explaining to me even if I did not know about the debt its still my responsibility. Can you please help resolve this situation? I have spoken with XXXX XXXX and I have also spoken with Sequium Asset ( which is the collection agency forwarded too ) and neither of them have come up with a resolution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, 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 disputed information stating XXXX XXXX XXXX XXXX processed charge off payments in XXXX - XX/XX/XXXX. I sent documentation to XXXX  and the other reporting agencies that the total amount of the loan was paid in XXXX. It was a voluntary surrender of the XXXX, it was sold at auction and I paid the balance of {$39000.00}. XXXX XXXX XXXX XXXX erroneously reported that I had a balance and I fought it through a private consumer credit agency. XXXX XXXX XXXX XXXX closed the balance when realizing their error ; however, reported as charge off in XXXX which has plummeted my credit scores. I did everything right and am still be punished in XXXX after loan was paid off in XXXX. I want my credit history with this account accurately reported to all the agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: Home Point Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying for over a month to get a correct escrow analysis done on my account. They were using an incorrect property tax ID on my account which was making it look like my property taxes were double what they actually are. The mortgage servicer corrected the ID and made the correct tax payment. However, they are not correctly updating my monthly payment via an escrow analysis to reflect my correct property tax amount. In other words, they keep assuming in the analysis that I'm making the incorrect higher payment. 

Because of this, my monthly payment has almost doubled and I am forced to pay extra amounts into my escrow analysis for no reason. They have, as of XX/XX/2023, incorrectly performed three escrow analyses using wrong property tax amounts. For the fourth one, they had to ask me to give them the property tax bills to prove how much my taxes usually are. This is public information and as my loan servicer it is ridiculous that they can not even figure out what my property tax amounts are supposed to be. At this point, I can not trust anything this mortgage servicer does.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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:
On XX/XX/XXXX, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXXXXXX Balance : {$61000.00}

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 2022-08-25
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Shellpoint Mortgage aka Newrez received my mortgage on XX/XX/22. I received a letter from my original lender XXXX XXXX  stating that the effective date of transfer is XX/XX/22. The letter stated that according to federal law I have 60 days grace period before the new company can take any action against me for late payment. I set up auto-pay through the web portal but it did not go through somehow. After seeing that no withdrawal was made from my bank account I made my 1st and 2nd payment to Newrez XX/XX/22 after talking to a rep. The next credit refresh showed that they filed a claim against me stating that my payment was late. I called Newrez and on a recorded line the employee told me it was an error on their side and it should reflect as fixed on my next credit refresh. I waited till the next credit refresh and the late payment was still there. I spoke to a new employee on the phone and they stated that the late payment was correct but they would pull the recording and get back to me, which they did not. I have now emailed the company with the letter I received from my original mortgage company and my current credit report reflecting the XXXX pt drop in my credit score from this error.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: BARCLAYS BANK DELAWARE
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 act XXXX XXXX XXXX XXXXXXXX ( Barclays Bank ) 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.

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-04-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
First off, i financed the motorcycle and it got stolen a month later. Even after being stolen I always kept paying until XXXX when I stopped receiving my bill letters and when I called the creditor they said they didnt have any account under that social security number. Called again before I XXXX towards the end of XXXX and they said the same thing, I thought maybe they found the bike or it was like a COVID relief thing. When I came back from XXXX in XXXX i downloaded the XXXX app and few weeks later after that I got this notification of my credit dropping almost 100 points. I never got anything from anybody stating I was going into collections and nobody ever contacted me. I think its unfair that I tried to contact the creditor and they said didnt have an account with them and they just sent me to collections without trying to resolve this issue by avoiding 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 explanation
Consumer complaint received 2022-04-08
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:
IVE MAILED IN MY FTC ALONG WITH LETTERS ASKING TO BLOCK FRAUDULENT INFORMATION

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 2023-03-07
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Monday XX/XX/XXXX, I stopped by the XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX. There is a BECU ATM inside of this particular XXXX. 

I had {$300.00} cash in {$50.00} bills, so x6 {$50.00} bills. These bills have signs that state you can quickly and easily deposit a stack up to 20 bills at a time. I attempted to deposit the 6 bills into the ATM ( a fraction of the maximum amount ), and it promptly counted the {$300.00} incorrectly, ( I believe the ATM counted {$150.00} ) so I immediately panicked and cancelled the transaction and prompted it to just return what I had inserted. The ATM spit out x4 {$50.00} bills, NOT the x6 bills I had originally put into the ATM. The ATM ate {$100.00} of my cash and BECU is denying that the ATM did anything wrong. The ATM took all {$300.00} of my cash, gave me back {$200.00}, and nothing matched on the screen for the deposit! The ATM thought {$300.00} was {$150.00}, then gave me back {$200.00}? Make it make sense. The ATM is clearly having problems, and I want my money back. 
I called BECU as soon as I was able ( closed for the XXXX XXXX XXXX XX/XX/XXXX ), on XX/XX/XXXX and spoke to a rather unhelpful representative stating they would open an investigation and pending results, expect a credit to my account in 10-15 days. As a working student, {$100.00} is not a small amount of money, and it was money I definitely needed to pay bills. I heard from XXXX XXXX, Contact Center Supervisor at BECU, that agreed with me that the BECU representative I spoke with was not up to standard and they strive to do better. I accepted this apology and waited for my results. 

I called for an update on XX/XX/XXXX, it having been nearly 2 months of no update whatsoever, and the representative I spoke to claimed that BECU sent me a letter stating my request has been denied because they investigated and the ATM didn't have any discrepancies ( I have to date XX/XX/XXXX not received any letter from BECU regarding this deposit discrepancy and told the representative this. ) BECU claims to have performed an investigation stating that the ATM disbursed the cash and there's no record of it making a mistake. However, if they had actually done this, they could have counted the bills in the machine, watched the video footage of me putting the cash in and then obviously not getting the correct amount back. It should be obvious and clear I am holding 4 bills not 6 and am clearly distressed at the ATM eating my money on a holiday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, 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:
IVE MAILED IN MY FTC ALONG WITH LETTERS ASKING TO BLOCK FRAUDULENT INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Kriya Capital, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX or XXXX, a debt that had fallen off my credit report in XXXX was put back on my report. This was a debt from XXXX, so I disputed it and asked the company to send me the information on the original debt as well as when they acquired the debt and explain how and why it was on my credit report in XXXX because as far as I knew I had no account with them or XXXX XXXX XXXX currently & I had received no kind of correspondences prior to XXXX of XXXX. When I received the letter from them it contained what looked like a bill from XXXX XXXX XXXX stating that I owed {$140.00}, dated XXXX of XXXX. I was confused since I currently have no account with XXXX XXXX XXXX and was given NONE of the information asked for. When I called I was told that they had acquired the debt in XXXX, again I received nothing from them, and they restarted the debt then. When I told her it was illegal for them to restart a debt from XXXX just because they purchased it in XXXX of XXXX, I was hung up on. I live in Washington State and I don't think that this is a fair or legal practice.

Company response to consumer: Closed with non-monetary relief