BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-24
Company: Experian Information Solutions Inc.
State: VA
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 have repeatedly attempted to dispute items with Experian that do not belong to me : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Experian often ignores the dispute, not responding waiting the required 30 days. 
Other times, they are unable to verify the items, yet fail to delete them. 

These items do not belong to me. The FCRA requires removal if they are not mine and can not be verified. XXXX  has failed to provide any documentation of these items, has failed to verify them, had failed to respond to me, and has violated the FCRA on many occasions. 

They are required by law to delete these items immediately, since they have failed to do so within the timeframe prescribed.

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 2021-05-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed several times with XXXX/Equifax and XXXX and they are refusing to do their jobs. 

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 

I have attached the letter that was previously mailed to all bureaus 5 times ... I want these deleted today. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/1973 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: DISCOVER BANK
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have {$240000.00} lost in the abyss as monies wired to Discover Bank were rejected due to the fact that they were sent to their international routing account. Information on Discover 's website states : When initialting an incoming wire, please includ-e your name and Discover Bank Account Number and wire to : -XXXX XXXX XXXX XXXX Routing Number XXXX That routing number ( which is shown in bold on their site is to their international account ) It took 7 phone calls and several hours to find out what had happened to my money. 
Beyond that, all they will say is " Sorry '' and the money won't go back to originating account for 5 business days. 
I was attempting to write an offer on a home yesterday but was unable to as I do not have " verification of funds '' and it will be next week before I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit score have always been between XXXX to as high as XXXX. Two weeks ago I applied for a XXXX XXXX credit card. The bank made an inquiry and as a result I saw my score dropped to XXXX. Under What criteria such a significant change was assessed.

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 2022-04-05
Company: Maximus Education, LLC dba Aidvantage
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
1. XXXX XXXX XXXX taken out in XXXX 2. Loan originated with XXXX to send our son to XXXX XXXX XXXX XXXX  Paid full payments monthly, never late. 
3. My husband was injured by a fall and was no longer able to work. Since his income was over XXXX of our total income at that time, our finances were turned upside down. 
We sold possessions and did everything possible to keep our home and our bills paid on time. When I contacted XXXX, it was recommended that I put the loan on forebearance so we wouldn't need to make the payments on the college loan. 
It was my understanding that the payments due were going to be added to the end of the loan. I did NOT realize that the interest would continue to accrue on those missed payments, not that I really had a choice anyway. I don't understand how this is helpful or even fair to a person who is already facing a hardship. 
The loan principal in XX/XX/XXXX when it went on forebearance was {$78000.00} 4. In XXXX was transferred to XXXX and all the accrued interest was now rolled into the principal of the loan. So now I was paying interest on the interest of the loan. 
The new loan principal was over {$100000.00} 5. I applied for income based repayment to attempt to pay the loans down, but the full payment was going to the interest of the loan. I was getting nowwhere. 
6. I made continuous calls since XXXX for better options as I can't get out from under the loan interest. I went through multiple applications, gathering data and submitting all the requirements only to be told the same thing each time. 
These are Parent Plus loans, we can't help ; there is no program available for the parent plus loan other than the Income Based Repayment. 
7. In XX/XX/XXXX my loan was once again transferred and once again the interest has been tacked onto the principal of the loan. 
My current principal balance is {$200000.00}. 
My income based repayment amount is {$420.00} I will NEVER get out from under this loan. 
I need help! PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2017-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage refinance was turned down due to insufficient documentation. I was told by three different loan officers that the underwriters continue to need more information on my retirement accounts that were in no way connected to my mortgage refinance. I was told the only reason for wanting my annuity information was so that it showed I had at least two months of reserve funding for mortgage payments in case I ran into financial difficulties, but that my annuity is not collateral and not connected to my mortgage refinance. I sent them a current annuity statement and withdrawal statement. This was still not enough as the underwriters wanted an even more detailed withdrawal accounting and even asking to speak with my broker.

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 2022-04-05
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor and/or collection agency however there is nothing notated on my credit reports that these items were ever disputed. that is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX # XXXX is reporting lates I do not have. My account was garnished at the time and there should not be any lates on it.

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 2020-12-22
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a custodial account and a personal account at discover. When I turned XXXX, Discover froze my custodial account pending my completion of forms to transfer that custodial account to being a personal account owned solely by me. This freeze prevented me from logging in to their online banking portal, also preventing me from accessing my personal account with which there was no issue. I called Discover customer support several times in XX/XX/2020, after which they claimed that they had mistakenly blocked access to my personal account and allowed me access to that account again. Recently, I have had my access to the personal account blocked again. Today ( XX/XX/2020 ) I called Discover again to ask for access to my personal account. I was told that, per Discover policy, I can not be allowed to access my personal account until the custodial account issue is resolved. This is not consistent with what I had been told previously, and regardless seems to me to be Discover preventing my access to an account with which there is no issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage has been over charging me on escrow since the man was transferred to them from XXXX XXXX XXXX. At first they were charging me XXXX for my mortgage after being reported it went down to XXXX. This was still to much as they were charging me based on a XXXX property tax payment in XX/XX/2019, but the payment was only XXXX. XXXX knew that the payment was not XXXX and continued to charge me over 150 dollars per month extra for escrow. Even after making the payment, they refuse to make the proper adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: JPMORGAN CHASE & CO.
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:
i have never been late to this account. i have records of all my payments sent to JP Morgan and Chase for this vehicle.

on the month of XX/XX/XXXX Chase apparently misplaced my check and payment.

i paid my XX/XX/XXXX payment on XX/XX/XXXX Check # XXXX  i paid my XX/XX/XXXX payment on XX/XX/XXXX check # XXXX i paid my XX/XX/XXXX payment on XX/XX/XXXX check # XXXX i paid an additional payment on XX/XX/XXXX via phone. later on i spoke to Chase and they apologized ad cleared the late payment fees and asked me to dispute the information with the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Ditch Financial grossly underestimated escrow. Our payments per month have gone up near four hundred dollars. We were approved for the loan based on our income which has not changed. We agreed to the loan based on what we can afford. This has not happened to other properties in our area. We feel this is predatory lending.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
I submitted a claim with Bank of America regarding a dispute. The claim ID is XXXX. The issue I had was originally with XXXX 's, where I purchased {$450.00} worth of window treatments that turned out to be defective. I tried to return the window treatments to the store ( as was advertised ) and then through customer service three times. Eventually I gave up a decided to dispute the charges with Bank of America. I submitted the paperwork on time, and completely, but my claim was denied. 

I tried calling the claims department three times. The first time I gave up after being on hold for about an hour. The second time I connected after 30 minutes and got hung up on, and the third time I waited 30 minutes, the person agreed that I should not have been denied, but then transferred me, where I waited for 40 more minutes before I had to leave and gave up. 


It seems that they are intentionally not staffing their claims department adequately, and I'm not sure what else to do at this point. The notice I got denying my claim was not clear at all, but I don't seem to be able to talk to anyone.

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 2022-04-05
Company: Verisk Analytics 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:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: LEXISNEXIS
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:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
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:
Before anything, I would like to thank the representatives at the credit bureaus that someone has helped in a way. I understand today 's difficulties.I am in the process of closing on my house, and the bank discovered some inaccurate accounts that needed to be addressed. On XX/XX/XXXX, I sent a series of dispute letters to the credit reporting agencies, I hoped to have an answer pertaining to these issues. After not receiving any notifications from them, I decided to contact them by phone. After speaking to someone with a very. broken English, I was told that, they didn't believe, I was the person that typed the dispute letter. Frankly, I found it terribly disappointing, and offensive coming from someone without proper knowledge of the English language. After verifying the fact that I HAD DISPUTED the accounts, the call went silent. It has become a terrible hassle to have some accounts properly invested. I have spent so much time, trying to review, and study federal law to be able have a good chance at winning this unjust situation. Furthermore, I would like to mention the fact that, according to section 611 of the FCRA, the bureaus must investigate and respond within 30 days. Failure to do so, will result in a lawsuit. I have also notified my attorney about this issue. Failure to close will result in losing my deposit. It will create actual damages for me and my family. In my actual dispute letters, I request investigation on XXXX XXXX act # XXXX, and a XXXX XXXX XXXX XXXX. act # XXXX. I SUBMITTED proper proof of address, my state ID, and a well written letter highlighting all of the issues located, and found a link to these 2 accounts.

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 2017-10-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Beginning XXXX XXXX, XXXX, Any public record data must include name, address as well as ssn # and d.o.b in order to appear on your credit file. The credit bureau has not updated the information and per the new law the Bankruptcies listed on my credit reports does not meet the standards. None of the required information shows listed and the Bankruptcies should be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-11-11
Company: EQUIFAX, INC.
State: IL
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:
.Hi, I can't believe you guys are taking advantage of me. I am very upset, the credit bureaus have not responded back to me about my investigation. I sent a letter XXXX it's more than 30days

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: VIRTUOSO SOURCING GROUP, LLC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company continue to call my phone, my parents landline phone which they have NEVER been given permission to, and other numbers related to me. They will constantly call throughout the day and they do not say who they are or what they want which is why I refuse to answer their calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: EQUIFAX, INC.
State: NC
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:
Initially my credit file had been split a lot of the things that were on my credit report I was unable to view. I had to send in a letter requesting my credit report to be merged. For a few months I had been filing disputes for items that were on my credit report which did not belong to me. Its been a long process, finally started to see items being. I been trying to access the website for a few weeks and been unable to because the system keep asking me about which company I have a mortgage with, i select none even though some of the creditors listed I actually have a credit account with but i donot have a mortgage, I am a renter, so it denies access to my credit report every single time. On XX/XX/XXXX evening i was able to start an investigation on some of the items that I had been readied to my credit report and when i got to the end to hit submit the system gave a system error and I had to attempt to access the report again and then it denied access again. I had also sent in a written dispute on XX/XX/XXXX by certified mail which shows it was picked up and signed for but i have yet to receive an email from Equifax acknowledging the receipt as it had been done in the past.

Company response to consumer: Closed with explanation