BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: ERC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company, XXXX XXXX XXXX. I did not open or authorize the accounts that you report a balance of {$1900.00}. This fraud account was not opened by or used by me. I've never had an obligation to you or the medical companies you represent. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to any medical physician, office, or affiliate to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me. Still, anything more is only to be revealed with the patients authorization and I have never given permission to any physician. However, please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: DISCOVER BANK
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I initiated a balance transfer from my wife 's Discover card to a new XXXX card. On XX/XX/XXXX XXXX posted the balance on my new card and discover posted the balance transfer fee on the my wife 's old discover account. 

The balance of my wife 's Discover card was not transferred to the new XXXX card, effectively doubling the amount of debt. We called Discover to sort out the issue and they insisted they had no record of the balance transfer between cards and there was nothing they could do to help us. This is galling given that there is a balance transfer fee line item on my Discover card statement, effectively showing me that XXXX billed Discover for the balance transfer fee of 3 %, but the representative could not read that item to understand the context of the issue. 

In both cases the service representative was unable to comprehend the issue and had no ideas related to solutions or even next steps to find a solution. 

The lack of real customer support systems and proper technology infrastructure to ensure compliance with federal consumer financial regulations seems to be a systemic problem for Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an account on my Equifax report that does not belong to me. I have tried to contact the collection agency XXXX XXXX whom is reporting this account and the phone numbers are disconnected and the fax numbers are no longer in service. I disputed this account with Equifax and the response I got was this account was 'VERIFIED '. XXXX did not verify this account because this company is no longer in business. I asked for the METHOD OF VERIFICATION that XXXX used and got no response other than XXXX. There is no way that this account was verified if it is gone out of business. This collection account has ruined my credit score tremendously and I am using CFPB as the last resort before pursuing legal action. There is XXXX accounts from XXXX which are all medical bills that do not belong to me all fraudulent accounts with dollar amounts are as such {$140.00}, {$94.00}, {$280.00}, {$170.00} and {$140.00} I have not been sick nor have I showed my drivers license to this facility. XXXX is also a medical bill that do not belong to me that has not been validated for {$990.00}. XXXX is a collection account that have not been validated for {$1000.00} whom I have no knowledge about whom the collection agency did not validate when I asked for the information. XXXX for {$10000.00} definitely do not belong to me I tried to validate this account and got no contract with my signed signature showing that I signed any paperwork for XXXX they have not shown me that they have license to collect in my state nor have they shown me paperwork that I signed owing XXXX not the original creditor. If XXXX purchased the account I need validation paperwork. I have disputed these accounts numerous times with XXXX as well as the collection agencies for VALIDATION and have not gotten a response in 30 days from the collection agency so I am certain that these accounts have not been properly verified through Equifax. I requested signed paperwork with my signature on it for validation that this account belongs to me and XXXX nor the collection agencies verified not validated this fraudulent information. This is my last attempt for this fraudulent accounts to be removed immediately since they have not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
They have refused to remove my PMI. Based on the tax assessed value and my current principal balance my LTV is 73 %. Tax assessed value is commonly known to be XXXX25 % less than the market rate of the home ( depending on market ). I find it fraudulent to continue to be required to pay this PMI along with being asked to pay for an appraisal with no guarantee the appraiser will provide and accurate value in my interest and not the lender 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of XXXX XXXX I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: NE
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:
Original Dispute through CFPB XXXX. 
Experian was sent 2 MOV 's on XX/XX/2022 to previous disputes that were verified as needed changes and some changes were made, but still incorrect information being reported. 
Experian has not responded to me and it has been 30 days, they were given 15 days to respond. 
Experian also responded to the disoute through CFPB with some " canned language '' and still has not provided me or CFPB with requested information that was sent to them in the MOV letter. 
This is a direct violation of FCRA 611 and is absolutely unacceptable to me and should be to the CFPB also, for them to treat consumers this way. 
Please delete the XXXX and XXXX accounts 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 2023-03-07
Company: Experian Information Solutions Inc.
State: VA
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:
n 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 U.S.C. 1681. 


Account Name : Account Number 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 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-05
Company: Allied Recovery Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have received multiple letters from a company called ALLIED Recovery Solutions Incorporated. They claimed I was involved in a automobile accident on XXXX XX/XX/2022. This is untrue as I was not involved in any accident on that date. They said that I am liable for the damage to the vehicle. In one of the letters it claims that I did not carry liability insurance on the date of the loss. This untrue as I have always kept my insurance up to date. I have ignored the correspondence thus far, but am concerned as I was not involved in any vehicle accident on or around this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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:
I have submitted my first round of dispute letters on XX/XX/2023 and I have not received any formal response from from any of the 3 bureaus. When I pulled up my recent credit report, the items disputed were still there. My personal information is incorrect, and accounts on my credit report are still showing inacurate reporting. Please help me get these accounts deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX received letter from lender Select Portfolio Servicing, stating that my interest-bearing portion of my loan was paid up and that they were requiring the balloon payment asap. over {$76000.00}. 
I spoke with several representatives ; I was instructed to continue making my payments. Which I did. I was under employed due to CoVid19. and receiving some unemployment. I made every payment despite. 
After first payment was accepted, the second was rejected. Was told that I could not pay through customer portal so I sent through the bank app. It was accepted. The next month payment was reject through transfer so I sent money order. It was destroyed by company instead of sending it back. At this point they asked for all monies and instructed me to refi or remodify. They put my account in forbearance which made it impossible to refi. ( I did try ) I was trying to pay half of the due amount which they refused. I was allowed to make any further payments during forbearance. I did everything they requested for the remodification. They asked me to do a remod and then I could do refi after. 
XXXXAfter months after months of me being in compliance and change of under writing I was offered a repayment plan. I was told I could not be approved for a remod. 
I began making the payments plus extra to catch up on my escrow. Every month I had to call and request that the payment be applied to my account before I sent the next payment. 
In the mean time, I was contacting my banks to see if I could refinance since I was out of forbearance. I was told I needed about 6 months of payment history. ( which I was working on ) XXXXhad to call and have the check applied to account again, was told that the check was being scanned in but the funds were not being applied upon receipt. 
XXXX received message that my payment was due. I had already sent 2 weeks prior. Representative informed me that the check had been scanned and funds applied. 
about XXXX a representative called asking my intentions for property, said that the payment had not been applied. Next rep l spoke with said that they did not know why I was offered a repayment plan but that they again would not take a partial payment ; full payment only but she could put in another application for remod. 
Insanity since they are the ones that said I could not be approved for remod. Now I can not show payment history for a refinance either. I do not make enough income with my long term job under a refi. 
Complaining on the company because I have been in compliance the entire term of my loan, did everything they insisted for a remod so l could have an opportunity to refi. They are not honoring their agreement terms. But since the letter is a computer generated letter I have no legal action at my disposal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: IN
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-03-07
Company: Experian Information Solutions Inc.
State: AL
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights 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 2020-07-27
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My father passed away on XX/XX/XXXX. He had a bank account at Citibank with the XXXX, IL branch location. I reached out to them ( along with 3 other banks in the area ) to close his accounts and withdraw funds about a month after my dad passed away and once I received the death certificate from the county. 

I had to call Citibank 's XXXX branch location 8 times over 1 week in order to make an appointment. I did not walk-in because I knew many banks were not taking walk-ins during this pandemic. Each time I called I was told everyone was busy. I finally got to the national line and they made an appointment for me with Citibank XXXX branch on Tuesday, XX/XX/XXXX. 

When I went into the office, I was told they did not have a record of an appointment and to leave and make one over the phone. I insisted that I had booked an appointment and asked to see someone. They accommodated me and filled out a death certificate form and told me it would take 10 business days for their legal team and back office to close the account and withdraw the funds for me. 

As I mentioned earlier, I did this with 3 other banks - XXXX, XXXX  XXXX XXXX, and XXXX XXXX. Each of those banks were able to get me the money within 48 hours. I did not hear anything from Citibank for over 10 business days so I called them on Tuesday, XX/XX/XXXX, and was told the representative who helped me only worked on Thursdays and Fridays so I had to call back Thursday. I told them it was imperative we receive the money in order to pay bills and that I was willing to speak with anyone but they said it had to wait until Thursday. 

On Thursday, I called multiple times until finally getting through to the representative. They told me the back office hadn't closed the account yet. I asked why there was a hold-up and how we could fix it assuming that there was an unpaid fee or something associated with the account. They said there were no problems and they would close it. I told them to please close it ASAP because we need money that we own to pay our bills. On Friday, I called again and they still hadn't closed it. I reiterated the urgency of this request and that it had been far longer than the 10 business days I was told and that every other bank did this within 48 hours. They told me to call back Monday, XX/XX/XXXX. 

I called again on Monday, XX/XX/XXXX and have not been able to get through to anyone. It is now almost a month since I tried to close an account I rightfully own and withdraw {$15000.00} of funds in order to pay our bills and Citibank has not given it to us nor explained why.

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 2023-07-04
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently, I applied for a loan through my financial institution and was informed of a credit delinquency that would lead to rejection. Initially, I didn't pay much attention to it, but upon conducting my own investigation, I accessed my credit report from all three bureaus. To my dismay, I discovered numerous discrepancies that were not associated with me and were never authorized by me. I decided to contact the entities responsible for these discrepancies, only to find that the accounts had already been closed. However, they were still negatively impacting my credit report.Realizing the severity of the situation, I promptly researched the proper steps to address this case of identity theft. I learned that I should report the incident to the Federal Trade Commission ( FTC ) and file a police report in my local county. Taking this advice to heart, I proceeded to report the incident to the FTC and initiate the necessary steps to file a detailed police report, documenting the incident that had occurred within my jurisdiction. 

The fraudulent accounts follow : Citicards XXXX. XXXX XXXX XXXX I am willing to prosecute.

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