BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: GA
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 2018-11-08
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On Wednesday XX/XX/XXXX I contacted CMRE who is a debt collector attempting to collect a debt on a medical bill. They left me a voicemail, I promptly returned their call. I obtained the details of the account when speaking with XXXX, and we worked out a settlement of {$210.00}, a discount from the original balance of {$310.00}. In that particular moment, I was not able to complete the transaction as I had to review my finances and ensure that the {$210.00} would not leave me with no monies for the rest of the month since I only get paid once a month. I advised XXXX I would call back within 48 hours and finalize this. Once I called back on XX/XX/2018, I had the unfortunate displeasure of speaking with " XXXX '' who was simply rude, unprofessional, distasteful and insulting. I was at a lost for words at the way she was treating me, talking to me, and flat out intimidating me with her tone and inflection. I tried to reason with her, explain to her but kept get getting cut off by her. She was not wanting to honor the {$210.00} pay off quote I was given and was attempting to co-erce me into paying the full amount. I tried to explain to her I could barely squeeze out the {$210.00} and now she is trying to bait and switch me into the {$310.00} - I could not even get a word out. It was her way or the highway. I'm shocked, upset and frustrated. I never want to deal with this person again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: TN
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'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 filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: MS
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:
XXXXXXXX XXXX XXXX continue to report inconsistent, inaccurate and incomplete account information to my credit report even after i detailed the specific details of the errors in the reported account. EXPERIAN Continue to verify this reported account information as accurate and complete but the reported account information is not complete nor accurate. Experian fail to investigate XXXX XXXX  XXXX  even after i requested the do so. I sent to Experian the details of what im disputing yet to act, they only report back account information is verified by the furnisher XXXXXXXX XXXX XXXX  and refused to delete the inaccurate and incomplete account information reported. The conclusion dated before XX/XX/2023 yet to fix nor delete the inaccurate and incomplete account information nor delete the entire account as requested. I ask Experian to re-investigate the XXXXXXXX XXXX XXXX account reported 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 explanation
Consumer complaint received 2017-04-03
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a HELOC that is being serviced by DITECH. I am paying interest only payments right now and it is due to reset, ( pay principle and interest ) this year. When I ask DITECH what month will it start. 

I was told in XX/XX/2017 and most recently in XX/XX/2017. I asked for it in writing with payment amount and was told it could not be done because they did not know and it could n't be figured. I just " had to wait ''. 

I have friends whose bank gave them a written notice a year in advance. 

I would like my new payment information concerning the reset as soon as possible so I can plan accordingly. 
They know the principle balance due. I should be able to get an estimate and not be left in the dark until the last minute. I have heard of payments doubling and more. I do n't want to lose my home Is there anyone I can turn for help? I am afraid they are going to stick to me because this was ( is ) a predator loan bought from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I spoke with a representative twice @ XXXX. Once in XX/XX/XXXX and again XX/XX/XXXX and was told my inquiries would be deleted, as well as my bankruptcy which was discharged in  XXXX. I then also mailed validation letters on 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 explanation
Consumer complaint received 2023-03-03
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Several fraudulent attempts were made to gain access my U.S. bank credit card account ( XXXX XXXX XXXX XXXX The company sent me at least XXXX new cards, including XXXX of which I never received. They finally made the decision to close my account ( letter sent on XX/XX/2023 ) because they said that it was at high risk of fraud. After the account was closed I requested to be able to redeem the rewards points that I had accumulated which totaled XXXX points which is equivalent to over {$380.00} dollars ( they only provided rewards in {$25.00} increments as a gift card redeemable at authorized XXXX XXXX dealerships ). At the time they closed the account I was eligible to redeem {$370.00} worth of points. They sent me a letter dated XX/XX/2023 saying that they were unable to fulfill my request to redeem rewards " due to the current status on my account ''. I believe that this denial of my request for the rewards was very unfair and amounts to stealing those rewards that I had legitimately earned. I had this account for over 29 years and always made payments on time. I was the victim of the fraudulent attempts to access my account, NOT the perpetrator. Please assist me in obtaining the {$370.00} in rewards I had earned. I have provided a copy of the last credit card statement that I had received which shows the rewards points balance ( I did not receive a statement in XXXX ). I have also included copies of the original credit card which matches the statement and the most recent credit card that I received, a copy of the letter closing the account, a copy of the letter denying me the rewards points, a copy of a letter confirming that I had reported identity theft to the company and a copy of a letter showing that they were aware of fraudulent activity pertaining to my account. Apparently their security system was not able to prevent recurring attempts to gain access to my account that included changing my address, email address and phone number even after placing an alert on my account.

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 monetary relief
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
THEY HAVE INFORMATION ON MY CREDIT REPORT THAT NEEDS REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2015-09-24
Company: Global Recovery Group
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
This company refuses to send me documentation of the debt they say I owe. They said it 's against their policy and they are not allowed to send me anything in the mail or by email. I 've asked multiple times and was told my credit card company should 've did that prior to giving my debt to their company. They also are threatening to send someone to my house or work to give me a packet, yet nobody comes. They also said that by not paying I 'm committing fraud and it 's being reported as such. I attempted to make payments and set up payment arrangements and they said they wo n't take less than XXXX a month and hung up on me when I said I ca n't afford that much in a month. They refuse to work with me. I want documentation on my debt and I am unable to get them to send me anything. They call multiple family members in and out of state, even after talking to me and knowing my address and phone number. They tell my family I have a lawsuit against me and they hang up on my family once they are asked to not call again. They continue to call my family even after speaking to me on the phone. If I am unable to answer the phone I immediately get another call, within the same minute of the previous call. They imply that something bad will happen if I do n't pay them and that I am committing fraud, their words, and it will be reported and treated as such. This company also does n't verify my information before disclosing any info. They do n't say, this is an attempt to collect a debt and any information will be used for that purpose. I could be anyone on the phone and they disclose everything.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-16
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citi makes verifying your card unnecessarily difficult by requiring a second number to send a verification code to. You tell a representative the verification code which also feels less secure because I can not be sure that they are not scamming me.

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 2020-04-08
Company: ALLY FINANCIAL INC.
State: NJ
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:
Ally Financial bank finish with their investigation and send me an attachted document. HOW EVER, Ally Financial bank once again fail to provide me THE SIGNED CONTRACT DOCUMENT BETWEEN MY PERSON AND ALLY FINANCIAL, WHERE IS THE CONTRACT WITH MY SIGNATURE AND AN ALLY FINANCIAL REPRESENTATIVE SIGNATURE??? ALSO FAIL TO SEND ME THE SIGNED CONTRACT BETWEEN ALLY FINANCIAL AND 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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/2022 I have had several account removed from my credit report and my credit score has not gone up. Please update my score 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 explanation
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had multiple fraudulent credit inquiries show up on my credit report as well as fraudulent accounts opened. I reported to the credit bureaus and initially a freeze was supposedly placed by all 3 bureaus. Then a fraud alert was placed by all 3 bureaus. However, each time I pull my credit report, more inquiries are flowing in and in excess. Any creditor is supposed to contact me personally if my credit is pulled and I have yet to receive a phone call from any of them. One credit report has 22 inquiries. One has a note stating to contact me but yet there are 9 inquiries in the last 3 months. My entire wallet was stolen and my social security card as well as my drivers license, checkbooks, credit cards, etc were all taken from me at gunpoint. That was 4 years ago and I have had issues since that incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Upon my review of my Lexis Nexis report, I initiated a dispute and Lexis Nexis did a reinvestigation of my report on incorrect information. Lexis Nexis determined on XX/XX/XXXX that an address on the Address XXXX XXXX ( Record XXXX, page XXXX of the report, attached ) was reported as accurate. This address is not accurate as I have never lived in XXXX. In XXXX, I filed a police report for Identity Theft on this address. I would like this reinvestigated by Lexis Nexis given the attached police report and have this entry, Record 4 on the Address XXXX XXXX removed permanently from my report. 

This incorrect address ( Record 4 ) does not appear on any of my 3 Credit bureau reports ( XXXX, XXXX and XXXX ) nor on any other report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I previously submitted a dispute regarding XXXX which they added collections accounts to my credit report. It was established the XXXX was the legal owner of the accounts and that a dispute was filed with XXXX on XX/XX/2017 in regards to the balances placed in collections. XXXX reviewed the accounts and informed me that they had no record of any of the balances provided by XXXX. XXXX then stated that they found updated statements for the balances after the correction were made for payments by the insurance provider. A dispute was filed against XXXX for adding a collection to my credit report and as a result the collections accounts were removed. Between XX/XX/2017 and XX/XX/2017 XXXX added the same collections accounts again to my credit report by changing the original creditor from XXXX to XXXX. They also combined all the balances for the previous accounts and created a new balance of {$900.00}. We attempted to contact the original creditor XXXX regarding this account and we were informed that no account information exist for a balance of {$900.00}. The also stated that all billing for XXXX physicians is handled through XXXX billing. We have never received a billing statement regarding a bill for {$900.00} in regards to any XXXX service. We have been in contact with XXXX XXXX XXXX billing and they informed us that the only payments that are currently outstanding includes bills for : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX respectively. These accounts are currently being handled under another collection agency called XXXX, but XXXX has since requested that they be removed from collection due to a payment planned established with XXXX. XXXX is illegally placing collection information on my credit report after erroneous and inaccurate information has been deleted. They are doing this in violation of the current FCRA laws. I attempted t submit another dispute but was not allowed to do so by CRA 's. 

XXXX This is currently delinquent but has since been charged off. Due to the current FCRA when an account has been charge off the remaining balance is suppose to be charged to XXXX to reflect that the account has been charges off and no balance is due at this time. At this time the account still shows a balance owed. I attempted to dispute this information also but was denied.

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 2022-05-05
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: Information belongs to someone else

Complaint:
Here are the inaccuracies I have identified : Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account Number : XXXX Reason : Incorrect dates listed Instruction : The date opened says XX/XX/XXXX and the last payment date is XX/XX/XXXX. This is incorrect. This account is being reaged and it it too old to be on my report if the last payment date is XX/XX/XXXX it must have been opened before that date and anything before XX/XX/XXXX is older than 7 years and needs to be removed from my report. Please correct this inaccuracy or remove the account per FCRA accuracy guidelines. 

Account Name : XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Reason : Incorrect dates listed Instruction : XXXX is reporting an opening date of XX/XX/XXXX while Experian is reporting an opening date of XX/XX/XXXX. Both of these can't be correct and as such that is inaccurate reporting. Please remove this erroneous account from my reports. 

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Incorrect dates listed Instruction : The date opened says XX/XX/XXXX and the date last active says XX/XX/XXXX. This is incorrect. On XX/XX/XXXX I could not have opened any accounts because I was in prison. I have been incarcerated since XX/XX/XXXX. I was in prison on this date of opening. So this account being reportd is inaccurate. Please remove this from my report Thank you, 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