BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-28
Company: Experian Information Solutions Inc.
State: MD
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: Problem getting your free annual credit report

Complaint:
I tried to open a checking account at a national bank using their online process and was declined due to a credit check with Experian. 

So, I requested a free credit report online from Experian and entered all my info. I received a message that they have an internal error and could not provide report and provided a phone number to call. I called the number during their posted regular business hours and was stuck in an automated response system that had no options about free credit report and could not connect to a live person. I tried both online and calls several times over several days with same outcome. 

I have free credit reports from XXXX and XXXX and there are no credit issues at all. I have a very high credit score. I believe the bank 's online process rejected me because they are unable to get a credit report for me from Experian - as opposed to bad credit. 

Experian is now affecting my ability to do simply open a checking/savings account. I am not trying to get credit. Experian should be regulated and penalized for their incompetence and its impact on people 's lives! So, should XXXX, the bank that relies on them.

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 2019-10-08
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please put an extended fraud alert on 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 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I HAVE NOW DONE THIS 4 TIMES AND THIS IS NOT ACCEPTABLE BY ANY MEANS!! 

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF and this is the FOURTH complaint I have filed since XX/XX/XXXX due to your delays and claiming you need authorization which I have already clearly given in the past complaints filed! There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. My initial dispute was submitted to you on XX/XX/XXXX and I never received any reply. I then sent a 2nd dispute on XX/XX/XXXX ; which still resulted in NO responses from the bureaus! So I sent a 3rd dispute on XX/XX/XXXX. I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. This is now the 4th complaint I have filed since XX/XX/XXXX because you keep claiming you need authorization which if you see the FIRST line of my complaint, I am clearly giving!

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 2017-09-15
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity bank charged me a late fee of {$27.00} on XXXX XXXX my payment was due on XXXX XXXX for my XXXX Credit Card. The balance for my account was {$170.00}. Then I received a credit for a return bringing my balance to {$130.00}. 

I believe Comenity Bankcharges excessive late fees for the proportion of a consumers balance. In addition I believe Comenity is charging a late fee on the accounts prematurely not providing consumers adequate time to actually submit their payment before a fees charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted Transunion credit reporting on XX/XX/2020 to alert that I had some items on my credit report that I was disputing. This was necessary because I knew that I would probably need to secure a loan due to the COV19 issues that were beginning to drown XXXX XXXX. Transunion alerted me that they had contacted the companies and the reporting companies submitted automated validation of the debt. 

On XX/XX/2020 I sent certified letters to the companies asking that they provide the same validation to debt to me that they provided to Transunion including documentation in the form of ledgers, signed forms, etc that support the debt. 

The companies did not provide validation in the 30 days as required by the FCRA. Therefore, I sent a letter to Transunion to advise them of the results of my debt validation request. 

I believe that XXXX has not acted in good faith with requiring that the companies valid the debt they are reporting. Secondly, the companies did not act in good faith by providing me with the debt validation documentation that I requested. 

I am now asking for CFPB assistance because these incorrect issues on my credit report are causing me irreparable harm. I am a XXXX XXXX XXXX XXXX XXXX and your urgent assistance to survive. Thanks

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 2019-05-25
Company: EQUIFAX, INC.
State: MS
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I had complaint the double charge on one item with Bank of America ; I had tried to contact the merchant to return the item without the merchant 's  response. I had tried to contact Bank of America several times about this addition charge ; I had told the bank that I am willing to return the item ; but, the merchant did not communicate with me except the asking the fund from the bank. However, the bank did not spend time to investigate and discuss the issue with the merchant. On the other hand, they just favor the merchant 's requested. The Bank of America claim # is XXXX. Thanks in advance for your consideration. 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 2019-03-11
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Experian Reply XX/XX/19 Complaint ID XXXX has not justified to why XXXX XXXX XXXX was removed. I did not request it be removed. Experian reply has stated or justified the removal of XXXX XXXX XXXX Report # XXXX for XX/XX/19 shows XXXX XXXX XXXX Report # XXXX for XX/XX/19 shows XXXX XXXX XXXX Also there was no request by me to remove it. I paid the account on time. The account was paid off and closed and should show that. I also have last year print outs as the loan for XXXX XXXX XXXX. 
I want to no why the account was removed I did not request no removal nor can Experian show any letter or request with my signature or any other form of documents requesting the removal o ( 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 explanation
Consumer complaint received 2020-05-20
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been transferred ( not by choice ), to fay servicing to service a mortgage on a home. I have been with them several years. In the very beginning a payment made to the last company was not forwarded to Fay servicing and had my account trailing 60 days. I have never been late but my credit shows this error. I have made numerous attempts to get them to correct it to credit reporting agencies and they never follow up. I recently received a grant and had a substantial amount paid and placed the account on auto draft. My account recently increased and they stated a escrow analysis increased it I asked for a copy to pay the difference to return my payment to the correct amount months ago and they ignore my request. Lastly while trying to get the analysis they representative offer to wave a months payment to the rear of the loan for COVID-19. My new statement showed two months due! I believe they try to create financial hardships to throw off or cause someone to fall behind. I called in a rude account manager after 2 hours on the phone lied and said someone will call me back to correct it and hung up in my face!! I paid the amount over the phone! I want my account corrected from the beginning of the loan and my current escrow analysis to pay any so called diffenency. A forensic analysis on the account would be great also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Key Express Checking opened XX/XX/XXXX. Terms of account not in agreement with original details outlined in account. Fees charged for both lack of deposits and minimum balance. Closed account about XX/XX/XXXX. 

Asked for a debit card for my savings. Was told via customer service on XXXX ( XXXX ) XXXX that the account can not be used with a card. I was given a generic ATM withdrawal card, told that a Hassle Free checking would be opened to honor a debit card to be used with the account. The result was the same Key Express Checking account being reopened that I previously closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-21
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To Whom It May Concern : I logged onto my credit card company 's website ( Barclay Arrival Card ) to make my regular payment on XX/XX/2020. It read that I did not have a payment due. I thought it was odd so I took a screenshot ( see attached ). I received an email just now ( XX/XX/2020 ) saying the payment was late. I logged on just now and the company assessed a {$37.00} late fee on XX/XX/2020, the same day I went on to pay it but did not even have the option to pay because it read that " A Payment was not due '' ( also see attached screenshot for today with a late fee added ). I actually was planning to make a payment anyway since I was on there and am working to pay it down. I did not even have the option to make a payment. And then seven days later they assessed a late fee. This is unacceptable and shady business practice ; one for which I can not be the only victim, I'm guessing. 

I have also attached the emails that I sent myself immediately with the two screenshots attached, one from XX/XX/2020 when it said a payment wasn't due and one from today, 7 days later, after notification came into my inbox saying payment was late and I learned the fee had been added. Please refer to the two attachments with the email date and time signature - that is, the PDF versions in landscape as the portrait PDFs did not capture the date and time I sent myself the emails with the screenshot attachments as evidence. Your remove attachment buttons are not working so I could not remove the other email attachments that do not capture the date and time signature for when I sent myself the emails. 

I'll be paying the full balance and terminating the credit card but I am sure I am not the only one to whom this has happed. Please address. 

Respectfully, 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 2019-03-11
Company: Experian Information Solutions Inc.
State: GA
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:
Requested a written document bearing signature from XXXX XXXX ( XXXX XXXX XXXX ) my indicating this is my account. I mailed certified letter asking for document on and it was received and signed for on XX/XX/XXXX and they failed to respond and or provide documentation. I also requested from Experian to dispute this item and they indicated it is being reported correctly without providing any documentation. This item was disputed with Experian in 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 2018-03-05
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
I have " Authorized User '' accounts that are not reporting on XXXX, but are reporting on other CRAs ( XXXX and XXXX ). I and the primary cardholder ( XXXX XXXX ) have both spoken with these creditors ( XXXX XXXX and Navy FCU ) concerning this issue. In both cases the creditors have affirmed that they have reported their accounts to XXXX.I have notified XXXX of this issue on 2 occasions and XXXX " Specialized Fraud Team '' dept. said that the 1. Navy FCU with credit-limit of {$17000.00} is being reported as deleted. 2. XXXX XXXX has not been reported at all. XXXX representative ( XXXX ) can be reached at ( XXXX ) XXXX ext. # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Experian Information Solutions Inc.
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:
My identity has been compromised. I found out because I received so many calls from debt collectors about unpaid medical bills. I was so confused. I pulled my credit report and saw items on my report that I have never seen. These accounts are not mine. Please remove them from my 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 non-monetary relief
Consumer complaint received 2017-08-10
Company: Experian Information Solutions 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:
XX/XX/XXXX XXXX XXXX i have called, sent in letter 's. XX/XX/XXXX XXXX XXXX sent in letter 's XX/XX/XXXX XXXX of i have called, sent in letter 's XX/XX/XXXX XXXX XXXX sent in letter XX/XX/XXXX XXXX XXXX sent in letter XX/XX/XXXX XXXX XXXX XXXX called and sent letter to dispute XX/XX/XXXX XXXX XXXX sent letter to dispute XX/XX/XXXX XXXX called and company sent letter XX/XX/XXXX XXXX sent letter XX/XX/XXXX XXXX XXXX XXXX XXXX called and sent letter to dispute XX/XX/XXXX XXXX XXXX XXXX XXXX called and sent letter

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 2022-11-05
Company: EQUIFAX, INC.
State: MD
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 writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported this to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Please see complaint XXXX. I have received notices XX/XX/XXXX from Loan Care regarding my loan after I filed complaint on XX/XX/XXXX ; The letter is dated XX/XX/XXXX and it arrived in an envelope without the post mark date, so I thought it was odd that I received it XX/XX/XXXX. It discloses the escrow break down and after reviewing it, it appears it was addressing my first mortgage and the second mortgage is no longer the topic. Please see the statements that states that I was behind on the first mortgage. However, the XXXX was to be removed along with additional fees as I faxed a letter to XXXX XXXX along with proof from XXXX  of forgiveness letter and Lost Note Affidavit. I am wondering if this was address after faxing my complaint because I also tried contacting the third party XXXX XXXX regarding the purchase from public auction and received no answer. Also, I am not able to talk to XXXX XXXX 's office as email stated not to contact them. To date, I have received statements from two different companies with same loan number. According to XXXX XXXX 's, I am to receive a new loan number and I was not to be in their system until XX/XX/XXXX-XX/XX/XXXX, so why did I start receiving statements in XX/XX/XXXX after I was transferred to the bankruptcy department at Loan Care? I  am wondering if they were waiting on my bankruptcy to drop so they can foreclose, but I was trying to correct my loan which is why I join the " class action law suit. '' XXXX XXXX was not helping, so this has been a problem with my chapter XXXX bankruptcy because they do not have the debt information or the correct company holding my loan. My sons and I have been in this house for going on 20 years and ever since XXXX loss my note in XX/XX/XXXX, it has been public record and people have the ability to gamble with my home. I do not know anything about my payments and I have not for years because it has been transferred so many times and no one has addressed this major issue. HOW MUCH IS MY HOME? I saw an attorney who is doing investigating and was pleased that I have CFPB involved because they want more people involved with this matter. I have given them permission to contact the parties involved. Please help me with this new matter along with the previous complaints with other parties.

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 2023-02-23
Company: SUNRISE CREDIT SERVICES, INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a call from a XXXX XXXX XXXX collection agency saying that I was being placed in collections for a spectrum account. I informed them that the account they were calling about was not mine. I proved this to the collection agency and spectrum. The agent reviewed my account, noticed that all billing statements were in another person 's company name, and went to that company 's billing address. I was listed as an authorized user on this account. I did not give permission to any of my personal credit information to that company 's account. I worked for that company, which is why I was listed as someone who could call in and make changes. The Sunrise agent sent she placed the account with their fraud department and told me that they would remove this item from my credit report, and it would take up to 60 days. It has been over 60 days since I spoke with them in XXXX of 2022. I want this account removed from all of the credit reporting agencies as this is not 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 explanation
Consumer complaint received 2019-11-08
Company: Opportunity Financial, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I've been paying every Friday for the past 6 months ( {$50.00} ) for a loan amount of {$1100.00} and yet my current due balance is {$1000.00}. I have records of every weekly payment. When I check the payment records tab only the last few payments show. There's no record on the website of all the other money I've paid. I have my bank statements though!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
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 fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT FROM XXXX XXXX, EXPERIAN

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