BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Problem with Experian dropping my credit score by XXXX points for a withdrawal of {$400.00} from a revolving loan which I expected. I did no expect them to drop it an additional XXXX points two weeks later for same transaction. No other changes were made at that time. TIn the last 6-8 months they've dropped my score from XXXX to XXXX to XXXX and now it's XXXX. No major changes, just same {$400.00} withdrawal and repayment in a couple of months. I also questioned why they dropped my score by XXXX  points in XX/XX/2022. Creditor used hard inquiry which should have been soft inquiry and not remain on my account for two years. Creditor advised Experian of this change according to letter that they sent me but nothing was ever done. My credit score is XXXX with XXXX and XXXX XXXX. When I make withdrawals they drop my score about XXXX points. Why is one company able to significantly drop scores for what appears to be no reason nor provide any explanation. I use my cards and accounts and I pay on time every month since I've had these accounts. Your assistance would be greatly appreciated.

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 2023-07-15
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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2022-05-18
Company: Consolidated Information Services Solutions, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call my number, and ask for me. When I ask who is calling they say it is about a personal matter. They do not answer who they are. They proceed to ask me for personal information ( address, date of birth ) while refusing to say who they are or why they are calling me. I told them to send a letter to the address on file and never call me again. They continue to call me. 

When I dial the number back I get a company called Universal Credit Services. To my knowledge I have no outstanding debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  Account # XXXX This account is closed but it is still showing a XXXX, XXXX and XXXX  on my XXXX and Equifax reports. 

XXXX XXXX XXXXXXXX Account # XXXX This account is closed but is still showing a 30 day late on my XXXX, XXXX and Equifax reports. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My wife and I had a home equity line of credit ( HELOC ) with XXXX. We never drew down the line of credit, and it was closed when we sold the home in XX/XX/2016. Indeed, we have the deed of reconveyance for the HELOC. Yet the HELOC still shows as open on all of our credit reports. It appears that XXXX never informed any of the three credit reporting agencies that the HELOC was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2021 Dear Sir or Madam, I contacted Bank of America about this issue twice on XX/XX/2021. This called started at XXXX XXXX EST. The last agent I spoke with was XXXX Agent IDXXXX. He stated to me that although the XXXX and other companies such as XXXX and XXXX insta-payments are not valid even if it shows in the account on online banking. They only do business XXXX for instapayments. However, instapayment definition and Bank of Americas definition was not clearly stated in my contract. This needs to be clarified for all consumers. Additionally, there was another issue with a refund that has not been processed from XXXX for {$55.00}. Had it been processed the deposit would have never been an issue and my bill would have been paid. I am given promises and they are not fulfilled and the bank charges me fees, as well as cause issue with the credit card companies who payments are affected. Additionally, when asked to waive the fee, due to the misinformation/confusion coupled with the delay refund, it was denied. Additionally, I have a concern about someone calling the bank around XXXX XXXX and discussing my account information and asking for a refund. I did not make this call to bank of America either. I have contract concerns, as well as security concerns. Lastly, BOA executive department never followed up with me about my previous concerns. 

Sincerely, 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 explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-21
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:
According to the Fair Credit Reporting Act, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 non-monetary relief
Consumer complaint received 2022-10-21
Company: NATIONS DIRECT MORTGAGE, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a continuing complaint from complaint ID XXXX. 
I received Terms and Condition of Modification and related documents from Nation Direct Mortgage. In these documents most of my payments from XX/XX/XXXX to XX/XX/XXXX are missing. 
Today I called Nations Direct Mortgage the XXXX number which is on the documents and was told that my payments were {$3400.00} from XX/XX/XXXX and I have a balance of {$41000.00} due, which I have never been notified. My modification trying period monthly payment was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Experian Information Solutions Inc.
State: FL
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:
All three credit bureaus have severely dropped my credit scores and are reporting this comment or something similar : " Open real estate account balances are too high compared to their loan amounts. '' I live in the XXXX, a retirement community. We have two types of homes - original and updated. If your home is in original 70 's 80 's condition it is of significant value less that if there has been a current remodel. This was my house in the beginning. It was in original condition and I have a completed a total restoration. I am NOT underwater with my mortgage of {$250000.00}, as this would be the low end value of my house even with a real estate value bubble burst!

This is totally unfair to those of us who have invested in retirement homes in a retirement community. I have a 2 bedroom 2 bath 2 car garage on the 18th hole and don't plan to sell, however reducing my credit score to XXXX is criminal! This affects future car purchases, other loans, and insurance rates. Hope you can 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 2022-11-24
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/2022 I sent Comenity Bank- Kay XXXX a letter to cancel my debt of {$2200.00}. On XXXX the balance was {$2100.00}. They never offered me the option to pay on the principal only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: Experian Information Solutions Inc.
State: MI
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 sent numerous letters to Experian regarding collections listed below for verification of these unknown collections. I have not received any confirmation that these collections are in fact mines. It has been pass 30 days allowed by the FCRA. I also sent in a FTC report regarding these collections as im not aware of these items.

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 2019-10-10
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 filed to have my credit report reflect that my loans at XXXX XXXX XXXX XXXX XXXX were in fact paid off and not simply closed. After the Bank told me they could only show them as closed because that is only what the credit bureau allows. I contacted the credit bureau who told me it was up to the bank. After nothing happened, I filed with you to get the matter fixed. 
Now the credit bureau has dropped my credit scores more than 30 points for no true apparent reason in XXXX. I have always paid off my credit early. I opened a new account as I have in the past, but it never made my score drop more than 30 points. 
At this point I feel they are retaliating against me for reporting them to the feds. 
There is no true reason from my score to drop more than 30 points for an increase of {$350.00} credit for someone who brings home {$5000.00} a month. If this is the case, then the same amount of points should be returned once the line of credit is paid and this did not happen. 
I want something done about the retaliation to my reporting them to the feds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: TD BANK US HOLDING COMPANY
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I bought a treadmill from XXXX XXXX back around XX/XX/XXXX. I have a XXXX membership I pay monthly to them in the amount of {$41.00} per month. I have set up a automatic payment to them through my bank to be sent on/around the same day every month. Back in XX/XX/XXXX my payment was a few days late due to mail service being behind due to Covid-19. In the result of being late they applied a late payment. I had tried to dispute with no luck. Ever since then my payment of the {$41.00} was sent on time. Ever since XXXX my payment of {$41.00} has been on time but they have every month tacked on another late payment and my bill to date that is passed due is {$330.00} which are all late payments. They sent me to a collection agency TD Retail Card Services back in XX/XX/XXXX and I have sent in 2 dispute letters to them and tried to resolve with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They are contacting me about a credit card debit from over 12 years ago. This debit is not on my credit report and they tried this same tactic about 3 years ago. Demanding i make payment to them or legal action summons will be issued. They are contacting several of my family member. 

Account is HSBC credit card, amount given {$2000.00}. They can not provide me with the full account number. 

There telephone number is XXXX and XXXX LCS XXXX XXXXs

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: DISCOVER BANK
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I was notified by Discover that there was potential fraud charge on my card and when I checked my account there were 2 charges from XXXX XXXX XXXX  XXXX. I notified Discover that these were fraudulent via their automated system and thought everything was resolved. A couple weeks later ( XX/XX/2022 ), I checked my account and the charges were still there, so I called Discover and they had me go through the dispute process with a representative. 

Over the course of the next 3 months Discover called me 6 times to gather information, usually asking the same questions each time. On XX/XX/2022 Discover called me and notified me that the claim was denied because I checked my account the day it happened. They also stated that I made a payment at the start of the month, which I have been doing for the last few years. 

Discover claims that the case was resolved on XX/XX/2022 but I never received a letter and my account wasn't adjusted until XX/XX/2022. There was no response from XXXX XXXX XXXXXXXX XXXX and the entire investigate lasted over 90 days if you account for the automated message that was sent on XX/XX/2022. I've never heard of a claim being denied because the person checked their account, this is a dangerous precedent to set because I shouldn't be punished for being responsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10
Company: EQUIFAX, INC.
State: FL
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 have inaccurate information showing on my credit report that is negatively effecting my credit score and limiting my availability to new lines of credit. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX - XXXX - XXXX XXXX XXXX opened XX/XX/XXXX for {$360.00} - XXXX - XXXX XXXX XXXX opened XX/XX/XXXX for {$360.00} Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX EQUIFAX - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$980.00} - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$1000.00} Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$980.00} - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$1000.00} Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - INQUIRIES - XXXX, Equifax, XXXX have hard inquires on my report that I do not recall ever doing. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - MISSING INFORMATION - Equifax shows no information for my accounts -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ADDITIONAL INFO - Remove all security freezes or fraud alerts from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible

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