BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 XXXX ; XXXX XXXX XXXX XXXX   XXXX ; XXXX XXXX XXXX ; XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked with XXXX XXXX thru XXXX using Citicard on XXXX XX/XX/2020. Due to pandemic, the park was closed during my stay. It is taking a while to refund so I disputed with Citi. They decided on merchant 's favor for no reason given to me. So I tried to reach out to XXXX XXXX. I spent so much because it's international call but no luck. I almost give up but finally was able to get a hold of them thru XXXX. They said that they could not refund my money because I/Paypal already took it. I appealed to Citi and told them what happened. They still favored the merchant. Why?? So where is my money? If XXXX said they don't have it and Citi never returned it back to me? Then where is the money? Who do I turn to if both merchant and card company do not want to help me. I want to give up but {$450.00} is a lot of money for a struggling consumer like me. Why big corp like XXXX and Citi take advantage of small people?!

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 2023-05-18
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: 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 Experian credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-04
Company: AES/PHEAA
State: OH
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:
I have a loan that originally cost {$6500.00}. My mother was convinced to pursue this loan. At the time I was XXXX years old and just trusted her. She signed a variable rate loan. To this day I have paid {$3900.00} in interest and XXXX in principal. I have attempted to reach an agreement and give them a lump sum. The companies response is simply that you cant negotiate your loan terms. I still owe XXXX because they raise the rate every quarter and I end up owing more than when I did in XX/XX/XXXX and it is not XX/XX/XXXX of the following year. If this is legal than I'm going to change careers and start taking advantage of kids in college and get them to sign loans under terrible terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 explanation
Consumer complaint received 2020-12-09
Company: Selene Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After the servicing transferred to Selene Finance since XX/XX/2020. As of today, XX/XX/2020, Selene Finance hasn't send me a statement for my loan break down and my payment break down. 

Based on my record, I reached out to them 5 time since XX/XX/2020, and I still haven't received my statement. 

They even marked my payment for past due 37 days and did not want to sent me a statement after 69 days of servicing transferred to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 my wife visited XXXX XXXX to have an MRI done. Sine we have a high deductible insurance plan, she was forced to pay for the service up front, in the amount of {$370.00}. The next day I contacted the insurance company, XXXX XXXX and was told that we should have only been charged {$220.00}, not {$370.00}. I then contacted XXXX XXXX at XXXX on XX/XX/2021 and spoke to a person named XXXX. He pulled up the information and verified that we were overcharged by {$150.00}. I asked when they would refund the overcharge and he could not give me an answer. I then logged in to my credit card at Citi Cards to dispute the transaction. I explained what happened and submitted a copy of the explanation of benefits statement which clearly reflects member responsibility of {$220.00}. Within 2 days I received an e-mail notification from Citi that the dispute has been resolved in favor of the merchant. It seems like they did not even look at the document that I submitted. On XX/XX/2021, I sent a formal dispute letter to Citi advising that I am disputing the overcharge amount of {$150.00}. I have not received any acknowledgement from Citi. It seems that they are ignoring their responsibility to investigate and assist me with the disputed amount

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 2023-05-18
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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-11-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$680.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX Balance : {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: I.C. System, 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: Their investigation did not fix an error on your report

Complaint:
I have sent three letters to each credit bureau disputing a new collection on my credit report. I have even included a previous settlement letter and they still continue to report the collection from XX/XX/2020, IC systems. 
This account was settled by the first collection agency who settled the account for less than full balance, credence resource management. 
The original creditor was XXXX XXXX XXXX. 
IC system is the second collections agency. I have tried calling XXXX, XXXX, and IC systems ... their lack of communication has kept this inaccurate information on my credit report. 
I have just disputed a third time on this account through the credit bureau. I have also sent the proper documents of settlement to IC systems showing the account number for XXXX XXXX XXXX  as settled. They clearly can not read account numbers! The bureaus have done the same, they have deliberately overlooked the paper I have sent in with each dispute. 
I also am working with the Michigan attorney general in this matter! 
Is it illegal to collect on a debt twice, once the first collection agency settled on a specified amount? How did IC systems get this info to try to charge me the difference?

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 2020-07-18
Company: Experian Information Solutions 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:
On XXXX XXXX I sent an Express Mail Letter via the United States Postal Service to Experian requesting a Method of Verification on a 30 Day Dispute Results that I had Received from them on XXXX XXXX 
The File Number for the Dispute is XXXX One of the Accounts was a XXXX XXXX XXXX  XXXX Account Number XXXX On my Recent Credit Score Results ... my FICO Score dropped by 14 points ... They Reported 20 Chargeoffs on XX/XX/2020 ... Now they have 30 Chargeoffs in XXXX XXXX 

Experian continues to ignore my Request to get Information on their Method of Verification of this Negative Inaccurate Reporting on my Consumer Account ... 

XXXX  has already Removed the same Account in 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 2023-06-29
Company: EQUIFAX, INC.
State: OH
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: Experian Information Solutions 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$5100.00} XXXXXXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$8300.00}

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 2023-10-03
Company: DISCOVER BANK
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX Discover credit card judgement {$5600.00}. XXXX XXXX XXXX XXXX garnishment starts 25 % of income XXXX request for hearing on garnishment XXXX garnishment lowered 15 % XXXX employment ended and {$3300.00} has been paid. 
XXXX discharge & release of garnishment XXXX  contacted XXXXXXXX XXXX XXXX  Was told account went back to Discover Bank. 
No further communication from Discover Bank. 
XXXX {$2400.00} still owed. Contacted DiscoverXXXX  bank to resolve debt in full but asked for a settlement amount. Was told account was in another department that only communicates via email. Was told a lawyer would have to be assigned to my account and I was to email name dat account number etc information, so I did. I received a confirmation email stating someone would email or call in 5-7 days. No contact. 10 days later I called back. This time I was told they were short staffed and it would be more like 14 days. This did not happen. Called again and spoke with a supervisor and was told she would put in a request to expedite my request. Every time I told them I was ready to pay that day and every time I was told that they could not take a payment from me. 
XXXX still no call or email from Discover. 
This has been handled unprofessionally and it it still on my credit report, which I have worked very hard to improve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: CO
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022

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 2019-07-03
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company posing as a collection agency put a collection on my credit report. 
The company is called Southwest Credit Systems. They have over 130 negative XXXX reviews that this has been happening to multiple people. They also have almost 500 negative reviews with XXXX. They are claiming that I have an unpaid loan in the original amount of {$950.00} noted as cable/cellular for a company called XXXX XXXX. with a balance of {$1500.00}. They have it dated as XX/XX/19. I reported it to the credit bureaus and contacted the FTC who gave me your information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: NY
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:
on XX/XX/2023 ive sent equifax these letters for these inaccurate infomation on my report and they havent deletd accounts for violating 15 U.S. Code 1681b - permissible purposes of consumer reports, I never gave any written consent to report anything on my consumer reports no consent is fraud!!!!!! 
1.XXXX  XXXX  XXXX  Account number # XXXX 2. XXXX Account number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hi on XX/XX/XXXX  I closed with Mutual of Omaha a Refi FHA loan. After closing on that load I made an electronic payment in the amount of {$2000.00} to the principle of the loan. This was posted/applied correctly on XXXX XXXX. Since then the loan has been transferred to another Loan Servicing Company ( XXXX XXXX ). This took place on XX/XX/XXXX. 


The issue is that on the same day that the loan was transferred, Mutual Of Omaha reversed the principle payment of {$2000.00}. It went something like this. XXXX XXXX principle pmt was made and reduced total principle by {$2000.00}, then XX/XX/XXXX Mutual Of Omaha reversed the payment and transferred the loan to XXXX XXXX, then on that same date the principle went back up on the loan by {$2000.00}. 

I've contacted both companies at this point ; Mutual Of Omaha the most being that it was their actions that created this issue. XXXX XXXX doesn't have the funds on their end. Mutual of Omaha is supposedly doing an investigation. Every time I call I get different responses from MOO. The erroneous actions of Mutual Of Omaha is causing a miscalculated application of interest on the loan, the same on PMI, non-credit of the original principle payment, and creating a great amount of stress as well as taking up a lot of time. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union is not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.

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 2023-05-18
Company: Experian Information Solutions 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:
As I investigated my credit report, I found out that some of the informations are erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please correct the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$5300.00}.

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 2018-11-26
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I initially had a {$100.00} starting balance and then got a credit increase to {$600.00}. On XX/XX/18 I had a balance of only {$15.00} and I paid the balance off and they closed my account after.

Company response to consumer: Closed with explanation