BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
Company: Open Dealer Exchange, LLC
State: AL
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:
Contacted bothXXXX and XXXX several times to dispute duplicate credit from 700Credit. 

Only ( 1 ) of these many inquiries were made outside of XX/XX/2020 and should be deleted for the reason of duplicate credit inquiry entries within a certain period of time. 

XXXX and XXXX are able to see all of these inquiries and dates but have refused to take immediate action to delete these entries but instead placing the burden on the individual disputing the item ( s ) to complete a burdensome process. 

Lenders can confirm current or previous credit requests for customers but instead contribute to lowering consumer credit report scores by fraudulently processing multiple credit inquiries. 

Credit bureaus should also provide consumers the right and a way to dispute inquiries within their credit report files such as other account dispute processes either online or over the telephone with a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Dear XXXX XXXX XXXX, I hope all is well. I just wanted to say thank you very much for allowing me to bank with USAA all these years its really been a pleasure and great experience. The reason why Im writing is because I received a return check fee of {$29.00} and I spoke to XXXX agent on XXXX at XXXX XXXX  about it when I called in and he said it was a system error because I had the money in the bank for the XXXX XXXX XXXX of {$80.00} and I agree it was a system error. He promised me twice that he was going to put the {$29.00} return check fee back in to my account for the fee. I have all of this documented. Since XXXX told me and promised be that he was given me the fee of {$29.00} back and it was a system error it should be honored and given back to me he told me this and I believe him and I dont see it back in my account thats why Im writing. Please listen to the call and you will see for yourself, I greatly appreciate it if you give me the fee back like XXXX promised me. I have been going through a lot with my mother trying to hurt herself and other things I rather not go all the way in to. Thank you very much for your help, empathy and understanding. Have a wonderful day and please continue to be safe Mr. XXXX. 

*Now I have two NSF fees I thought since I had a deposit going in to the bank from XXXX it was going to prevent any more fees, I thought it was like XXXX XXXX XXXX the rewind process since I had a direct deposit I thought it was not going to charge me any more fees because I bank with XXXX XXXX XXXX well and I thought all banks had the rewind if you got a direct deposit. My account was not negative when I went to bed Monday night or when I woke up Tuesday but some how I still was charge an NSF fee, it makes no sense to me. This is really stressing me out, giving me anxiety and everything because I try my best to manage my account and avoid fees. I dont have extra money for fees being a single mother.I still dont understand how I was charge the fee if I had a direct deposit the same time XXXX and XXXX went through. * Sincerely, XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: XOOM CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I work with XXXX so long year, after sent he has been provided me " Cancelled '' so I never get result any time Nowadays I can not log in, I don't want use his site I want know last all transfer I had using with many amount where they go. Now he can send more 200 countries. When used he only send 63 countries I had save print few copy. Are they can pick up when I ask

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received notice in XX/XX/XXXX that my mortgage with XXXX XXXX was being transferred to LoanCare , LLC. I was provided a new account number and was informed that I would need to send my monthly mortgage payment to LoanCare ( beginning in XX/XX/XXXX ) under the new account number. I had not received any address information for making the change for direct deposit services - so I continued to send my mortgage payment to XXXX XXXX. 

In late XXXX I finally received a statement from XXXX XXXX " Serviced by LoanCare '' ( I had previously over the years received a coupon book for payment annually ) with the details of my last 3 payments being made on time but now there was also a new charge for {$100.00} added under " Total Fees and Charges '' with no explanation of what this new fee was for. 

I paid my normal mortgage amount to the new address provided in the statement with the new account number and called the LoanCare Customer Service number at XXXX. I asked about the additional fee in the statement and, after some checking, the operator came back to say it was for a late payment in XXXX and XXXX. I mentioned that I had never received any information from XXXX XXXX over the last EIGHT years that any unpaid late fee was due. The operator responded that I needed to have XXXX XXXX confirm this ( note : the operator ended the call by saying " thank you for calling XXXX XXXX. '' When I tried to contact XXXX Bank at their Customer Service XXXX the prompt to confirm my account indicated it was now being serviced by LoanCare and then hung up.

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 2020-07-13
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:
I have sent a number of letters to disput these items and Ive also asked for fraud alert to be placed on all three credit bureaus. I have filled out paperwork and sent to both the credit bureaus and the credit card companys explaining that these accounts are not mine and I cant seem to get any help with getting these accounts removed. Ive even offered to pay the accounts to be removed and no response from the credit card companies or the bureaus after 55 days from the first letters being sent. I have also asked for proof ( methods of verification ) to be sent to me after getting updates that the accounts were verified. No response to those request only one very unprofessional email from XXXX  and nothing from XXXX  or experian about these 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 2017-12-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I called XXXX XXXX Credit Bureau because I had problem with their dispute online site. They told me they had corrected the area several weeks ago. 
I tried again today and it was n't fixed. I could not use the online site. I called customer relations. They transferred me to specialied consumer service offline. They transferred me to online customer service. 
They gave me an error code # XXXX and transferred me back to the offline customer service to do identity verification and merge my accounts because O was told I had multiple accounts. 
I asked how could I have multiples they could not answer that. 
They suggest I dispute live on the telephone and I got disconnected or maybe the rep. hungup the telephone I do n't know. 
I have duplicate accounts reporting information that 's not correct. 
I have accounts 7 years old that they wo n't remove, saying they are n't negative. I said the law say have removed. 
The issues is with Equifax and XXXX Credit Bureaus. All three reporting account information of same account in multiples. They are reporting incorrect balances. Reporting over the time for reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: MD
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 : {$1300.00}

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 2021-02-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} Charge off These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Experian Information Solutions Inc.
State: AZ
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 entered into a Covid related deferral program with XXXX Mortgage in XXXX. That program terminated in XXXX at which point the repayment plan commenced, which required intervention by the CFPB to actually get them to respond, due to repeated failures on XXXX 's end to actually process the documentation to start it. 

I made the repayment plan payments within the required timeframes, as documented in the attached payment history as well as the reported credit report snapshot. 

The trial plan was then approved, with a first payment due on XXXX ( late after 30 days ), which is scheduled to meet prior to the late date. 

XXXX has still reported the account as 180 days past due and showing in 120. In a simple examination of the credit report snapshot, this is literally impossible- XXXX has deliberately and willfully erroneously reported this as past due. 

Moreover, I filed a report around summer of XXXX in which XXXX did the same thing, despite being in the deferral.

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 2019-03-14
Company: EQUIFAX, INC.
State: OH
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 opened XXXX XXXX  and Equifax this A.M. to check my current scores to find that my Equifax score had dropped because of a Hard Inquiry made by XXXX. I have never applied for any form of loan from this company and never gave this company authorization to check my credit. It really disturbs me that they can arbitrarily do these things without consent from the party being researched. I would never consider this company now and I certainly would not recommend them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : 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 2021-09-22
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. There are fraudulent accounts on my credit report that need to be removed immediately. 

Collection Companies XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Bureaus XXXX Equifax XXXX These collection companies and all three credit bureaus are in violation of 15 USC 1681b - Permissible purposes of consumer reports by reporting to the credit reporting agencies without my written permission. They are also in violation of FDCPA Section 807 False or misleading representations. All three credit bureaus are in violation of federal law and have refused to acknowledge these laws. My federal rights have constantly been violated for going on over a year now. I have asked for proof which is required according to federal law, and they still have not complied. I advise Equifax, XXXX and XXXX to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Hello, currently all 3 credit bureaus are counting my rate shopping for a mortgage on my credit report as individual inquiries rather than lumping them as a single inquiry on my credit. This has negatively impacted me by not only dropping my credit score by 50+ points but because all the inquiries for my rate shopping are not being consolidated and counted as 1 and is hitting my report as individual inquiries. I can not get approved for any credit cards because banks think I am desperate for credit. This is very harmful to me as I have never been late on a payment and have been a good steward of my credit and was at XXXX credit prior to all these inquiries dragging my score to the ground. 

On alI the credit bureaus, I have 7 hard inquiries from XX/XX/XXXX and XXXX but these should be counted as 1 as I was rate shopping for a mortgage.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX XXXX Balance Owed : {$590.00}

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Dear TransUnion Bureau, I am a victim of an Identity Theft and this is my official statement for dispute. I have accounts on my credit report that dont belong to me. I have never own that accounts and I have had contacted you several times but you never helped me. 
I enclosed in this letter an Identity Theft report and notarized Affidavit proving that these accounts were opened due to fraudulent actions. I am also attaching a copy of my Drivers License and a copy of my SSN to verify. 

Please remove these accounts or at least let me know what else I should provide you. 

Name of the account : XXXX BANK XXXX It was opened on : XX/XX/XXXX Name of the account XXXX XXXX XXXX XXXX XXXX It was opened on : XX/XX/XXXX Name of the account : XXXX XXXX XXXX It was opened on : XX/XX/XXXX These accounts were closed by letting the lender know that these account dont belong to me. But unfortunately at that time the accounts were transferred to the fraud department. These accounts are not mine, please remove them from my credit report. Thank you very much for your consideration and I'm waiting for the good news soon.

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 2019-06-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a claim ( claim ID : XXXX ) for a purchase at XXXX that was cancelled and supposed to be refunded back to the same method of payment ( which was my card ending in XXXX ). 

Chase initially gave me the money back, but later reversed the claim because XXXX sent them a proof of purchase. 

I did not dispute the proof of purchase, I disputed that the refund was never put back on my card. XXXX charged me for a service XXXX XXXX XXXX XXXX ) that was cancelled because of not having a valid ID. 

I paid {$2500.00} plus a {$16.00} service fee to XXXX, and received no service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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