BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Someone mugged me and took my purse that had all my personal information in it. I have now noticed that a bunch of companies are listed on my credit report as if I applied for something with them. I did not ask these companies for anything and did not complete any application asking for anything. All this information is a result of identity theft. I am asking that you delete all this fradugelent information from my credit report.

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 2022-11-01
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: 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 : XXXX XXXXXXXX .... Balance : {$17000.00} ; DEPT OF ED/XXXX XXXX .... Balance : {$5100.00} ; DEPT OF ED/XXXX  XXXX XXXX .... Balance : {$2000.00} ; DEPT OF EDXXXX XXXX XXXX ... XXXX Balance : {$1400.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance XXXX {$2600.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance : {$4600.00} ; XXXX  XXXX XXXX .... Balance : {$1900.00} XXXX XXXX XXXXXXXX XXXX. Balance : {$1900.00} ; XXXX XXXX XXXX .... Balance : {$410.00} ; XXXX  XXXX XXXX .... Balance : {$3700.00} ; XXXX XXXX XXXX .... Balance : {$450.00}

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 2023-10-25
Company: DISCOVER BANK
State: WI
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:
In the year of XXXX, XXXXwo credit cards were opened in my name for Discover and XXXX XXXX XXXX. Both cards were closed due to debt on the cards according to my credit report. I didnt sign up for a credit card until the following year ( XXXX ) with XXXX XXXX when I discovered there was another credit card possibly opened. I was able to resolve XXXX XXXX, but I am unable to resolve Discover and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I enrolled with a Citibank XXXX XXXX XXXX card for XXXX store promotion during checkout at a XXXX 's retail XXXX. The store provided a temporary ( paper ) card with number. I then found XXXX 's online systems were broken to the point of not being able to access the account at all, for over a month. Weeks of stereotypical customer support fiasco followed. I eventually filed a Better Business Bureau complaint in an effort to compel Macys to respond. I was eventually issued the physical card they originally failed to deliver, so that I could access the account, review statements, and pay the balance. A late fee was reversed, and I paid the interest balance on the account in addition to the principal balance. This was the extent of the compromise initially reached. 

That is, I paid the entire account balance XX/XX/2023. I have since checked the account 's status and confirmed that the balance is {$0.00}. In a response letter to a Better Business Bureau complaint, a XXXX XXXX representative further stated that the balance at that date ( XX/XX/2023 ) was {$0.00}. There has been no activity on this account whatsoever since the initial purchases ( and refunds ) made in XXXX. 

A credit monitoring service from XXXX ( which I have instituted following this incident ) is now alerting me that this account shows an interest charge and a balance. 

I have attempted to access my account via XXXX XXXX XXXX XXXX and have received a message that " We can not display your information at this time ''. I am unable to manage the account in any way. 

As far as I am concerned whatever activity is now transpiring on this account is nothing short of credit card fraud.

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 2021-07-28
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Somehow I got my accounts mixed up in a purchase that was suppose to be linked to my bank account instead it was my saving account which had no funds in it, however Schools first proceed to charge an nsf fee for something they didn't even pay 4 times over. This should have been automatically rejected and no fee assist. I would think an nsf fee should only apply when an item is paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-11
Company: EQUIFAX, INC.
State: PA
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:
someone opened a fraudulent account with XXXX in my name, XXXX cleared me in XX/XX/2017 and contacted the credit agencies, Equifax has yet to clear it, even after being contacted by XXXX twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my report and noticed several Hard Inquires I did not apply for and request they be removed. 

1. XXXX XXXX XX/XX/2018 XXXX XXXX, Ca XXXX XXXX I Did not apply for a car loan 2. Syncb /XXXX XX/XX/2018 XXXX, FL XXXX I did not apply for a gas card, don't even have that station where I live. 

3. Syncb /XXXX I did not apply for this, I don't even fly.

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 2023-07-08
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX sold a car loan that was on my credit before the retention date was up, which was only a few months away before they sold it. I asked through written notification and electronic through all three credit bureaus, asking XXXX XXXX to send through Certified mail a verification letter showing the address and the original signature which never happened, they then sold the account to which I did the same thing sending LVNV Funding LLC written notice that I needed verification that these accounts are mine. I have continued to dispute this account since it has been to the new company with no avail. Each time they just verify the account through the credit bureaus automatic verification system and never sent me the information Im asking for I need these accounts deleted from all three of my credit bureaus immediately because I have disputed them time overtime overtime which each time be in 30 days I can no longer wait 30 days in these accounts need to be removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX due XXXX Letter was sent but no response Transunion Total due XXXX XXXX was sent no response XXXX XXXX due XXXX Letter was sent but no response I need clarification on why there are incorrect reported marks on my credit A collection is by default late and past due. Delete this account due to innacurate reporting

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 2017-12-01
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I filed an insurance claim for hail damage in XXXX. I submitted partial documentation to the mortgage company as requested in XXXX XXXX. In XXXX XXXX I received additional insurance checks from the insurance company. I sent these two new checks to the mortgage company in XXXX XXXX. After sending the checks in I was told additional documentation was needed in order to release the funds, this would have been XXXX XXXX. I sent in the additional information as requested in XXXX XXXX. In XXXX or XXXX XXXX, I received a phone call stating the information was not correct and still needed to be provided. The requested documents were sent in for a second time in XXXX XXXX. The mortgage company failed to call or make any attempts to let me know that this was not sufficient again until XXXX XXXX. Again, I complied with their request and sent in the documents for a third time. Again, I received no communication that these were not sufficient. My wife called in XXXX XXXX to see if the checks would be released and she was told yes that everything was good and the funds would be released. On XXXX XXXX XXXX I received a phone call stating that the mortgage company still required the additional documentation to release the funds. This process has dragged on for almost 18 months with no resolution in sight. I am again required to send in the same documents a fourth time. The process they have set up is convoluted and very secretive in how the documents should be filled out and what is exactly required when filing an insurance claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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, XXXX XXXX entered a card holder agreement with BANK OF AMERICA on XX/XX/XXXX. BANK OF AMERICA is reporting alleged late payments on my consumer report for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent a letter on XX/XX/XXXX via certified mail demanding they update the alleged late payments pursuant to 15 USC 1681b ( a ) ( 2 ) and 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). BANK OF AMERICA responded on XX/XX/XXXX stating that they have completed their investigation and have confirmed the information is accurate and they didnt identify any payment record errors related to the account. I sent another letter via certified mail on XX/XX/XXXX demanding a description of the procedure used to determine the accuracy and completeness of the alleged late payments and any items that are found to be inaccurate or incomplete or can not be verified must be deleted from the file of the consumer or modified as appropriate based on the results of the reinvestigation pursuant to 15 USC 1681i ( 5 ) ( a ) ( i ). BANK OF AMERICA responded on XX/XX/XXXX stating that they reviewed their records and confirmed the account information they reported to the consumer reporting agencies is correct and the account details they reported are accurate and they wont be adjusting their reporting like I requested and consider my dispute resolved.

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 2022-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XX/XX/XXXX and XX/XX/XXXX I sent a letter asking all Credit Reporting Agencies to send method of verification of debt which all fail to do so. Which they had 15 days to respond From the second dispute receipt of the letter. I have not received anything from no credit reporting agency. Please see attached documents that were submitted to all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
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:
CFPB XXXX ======================== The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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 2021-07-28
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
On XXXX XXXX XXXX XXXX sent me a deletion letter to my email. It was a copy of the same letter that they sent over to the 3 credit bureaus. The account was from ( XXXX ) {$110.00} negative collection account that wasn't mine. I settled this with XXXX and they agreed to have the account removed from my credit report. XXXX, XXXX  and Equifax deleted it. Now, this year ( XX/XX/XXXX ) my credit file with XXXX  was completely deleted and could not be seen. I called in on ( XXXX XXXX ) and spoke with a representative and I was told I had more than one file. They merged the files and my credit report was fixed so, I thought. Upon pulling my file, all of a sudden I noticed previously deleted information resurfaced on my credit report. So, I called back to XXXX  and discussed it with another representative since, I could not speak back with the previous one. I was told that the accounts were reported on my file and that they only put on my file what is reported. I called XXXX XXXX back and, was told that they had not reported any account on my credit report. They had deleted that old account from their system 11 months ago. Basically, XXXX  took the deleted files and placed them in a separate file instead of deleting them permanently. Thereby, creating multiple files that later mess up the system and delete the credit reports down the line. They then, take the previously deleted files and merge them again with the accurate credit file. Causing you the consumer to continue to go through unnecessary dispute challenges over and over. The list of previously deleted unverified Fraudulent accounts are as follows : 1 ) XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$4300.00} 2 ) XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1000.00} 3 ) XXXX  XXXX  Reported : XXXX. XXXX, XXXX {$4300.00} 4 ) XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$610.00} Here are the inquiries on my XXXX  report, that magically appeared on my report after they merged their files. I never applied to any of these places. 

-XXXX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX -XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX -XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Three weeks ago I requested my annual free credit report online with www.annualcreditreport.com. A screen popped up and said I could n't have access to my online report yet, they would send me a code or pin to use by mail so I could access my report. I also requested 2 weeks ago by their phone automated system for my reports and still they refuse to send me my credit reports from XXXX, Transunion, and 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 2023-05-17
Company: Westlake Services, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Ive made a {$3000.00} down payment with XXXX XXXX XXXX with westlake financial services. I was sold a lemon. I got the truck checked out because the motor was knocking. Comes to find out the motor was bad plus more I returned the vehicle to the dealer and theyre refusing to give me my money back westlake say the only thing they could do is remove it off my credit report ( as they said ) I want my money I put down on that vehicle and removed off my credit report. They are bad for business and have so many bad reviews, I wish I wouldve been done my research before even purchasing the vehicle.

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 2021-07-27
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX The account number is from a previous dispute that was sent a few days ago. Equifax now wants me to send over all my information to them but I have done this multiple different times. They have a glitch or lazy and constantly makes me do all the work. At this point I want to get a lawyer. They have done disputes for me before and I have emails to prove it. This company is setting me back from purchasing a car and a home because they are not reporting my positive information. 

In 2020 I sent over my id and utility bill and other information to them over 4 times. I have access to equifax.com but they are not reporting my information. They are making me go in circles for no reason. 

I have attached the letter they sent me Along with previous disputes I have had with them. 

I SENT THAT BECAUSE THEY HAVE MY INFORMATION. THEY MAKE YOU GO THROUGH LOOPS FOR NO REASON. JUST UPDATE MY INFO! THE POSITIVE INFO!

Company response to consumer: Closed with explanation