BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: AZ
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:
Dear CFPB Complaints, Firstly, I would like to thank Experian for responding to my previous complaint. 

However, I am still awaiting my credit report because it has *not* been sent as promised. 

In their last correspondence, they wrote to me : " We are in the process of adding your current address to your file. '' " Once your address is added to your file, a full report will be mailed to you. '' " We are in the process of sending your Experian report to you for review and confirmation by US Postal mail. Please allow up to 10 days for delivery. '' I was grateful to receive this positive response, however the report never arrived. 

To recap, I have requested my report several times : - XX/XX/2020 : Applied electronically, but was only able to receive my Transunion report - XX/XX/2020 : Applied by mail, but only received a generic unhelpful response - XX/XX/2020 : Applied by mail with more information, but received the same generic unhelpful response - XX/XX/2020 : Complained via CFPB and received confirmation that my report would be sent - XX/XX/2020 : Filed a second complaint with CFPB Also, it was mentioned in Experian 's response that my previous annual credit report requests were delayed due legibility concerns with an unspecified document. I dispute this since the documents were prepared professionally with due diligence. 

Lastly, I have tried to be professional and refrain from making any personal comments, but I feel great frustration and stress related to this process. I expect that we would all agree on the following tenet : " Treat others how you want to be treated. '' I ask whoever is reading this to please consider how frustrated I must be by this process.

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 2019-03-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I requested that Transunion check the information that they reported in reference to my XXXX XXXX credit card for which I am an authorized user. They reported that my credit score dropped due to increased usage. That was not accurate because my usage was at XXXX. Transunion actually removed both XXXX XXXX accounts from my credit report, one open and one closed, which made my score drop even more. I never disputed the accounts so they should not have been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
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:
In XXXX County  North Carolina, I was ordered for XXXX XXXX, it was not accurate and the forementioned XXXX XXXX services show a order for XXXX dollars a month, with a past due balance XXXX that has accrued. And it is still showing up on my credit report every month, even though it is easily verified that what Ive repeatedly informed experian of is accurate. I just needed to call the XXXX XXXX services, and put in my information, and it will tell whoever calls that I do not owe anything.

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 2018-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have a couple hard inquires on my credit report that I have not inquired about and I am not sure who did. The first is labled " XXXX & XXXX XXXX '' dating back to XX/XX/XXXX. The second is labled " XXXX '' dated XX/XX/XXXX. The last is labled " trans union '' dated XX/XX/XXXX. I have no knowledge of any of these inquires and would like these removed from all of my credit reports.

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 2018-12-19
Company: CITIBANK, N.A.
State: TX
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:
In XXXX, I called Citi to change my card from a {$450.00} per year XXXX  's XXXX card to their free card in a process called card conversion ( we aren't traveling next year as much as we did the last year ). Today, on XX/XX/XXXX, they charged me the {$450.00} fee. When I called back, I was told that " Oh yes, it takes up to two months to do the card conversion, we'll credit that fee back in another statement or two. '' Meanwhile, I either pay the {$450.00}, and am just out the money until later ( and I'm forced to use their credit card to get it back because it's a credit ), or they get to charge interest on the unpaid {$450.00} until they credit it back. 

This is, at best, predatory, and at worst, fraud.

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 2018-05-21
Company: JPMORGAN CHASE & CO.
State: PA
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:
I initiated contact w JP Morgan Chase asking to cancel my card in order to reverse the {$95.00} annual fee I saw was charged to my account. When I called I was told I was over my cancellation date ( by about 2 weeks from what I could gather ) and JP Morgan Chase refused to refund my {$95.00} fee.

I then contacted the JP Morgan Chase executive office and once again my request to get my annual fee refunded was denied on the basis that my request was beyond 30 days. 
The terms for being able to cancel the card and get the annual fee refunded were not clear to me, the consumer. I do not know where these terms exist ( within pages of fine print perhaps when the card is initiated? ) Regardless, the consumer should be reminded of these terms regarding the refunding of this charge with each yearly subsequent charge. I would also argue that 30 days is not enough time as many consumers are extremely busy and not aware of charges on their account within that time period. 
The banks have consumers in an unfair situation by limiting this cancellation to 30 days as it often takes much time to transfer automatic payments being made on the account to another account, and no one wants to have a denied charge. When setting up automatic payments, every bank and credit card admits it 'may take up to 2 billing cycles to set-up '' yet we the consumer are not given the same courtesy of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ocwen Loan Servicing , Inc. reported that I didn't pay my mortgage for many months and that's not true. 

I have ALWAYS paid my mortgage every month using XXXX XXXX XXXX  auto-pay. I pay it in ( 2 ) payments to keep my cash flowing. 

I did not realize they increased my mortgage due to an escrow increase so now I was UNDER-paying my mortgage and this went on for months without my knowledge. 

I only knew something was wrong when my credit score plummeted from XXXX to XXXX because I was reported as delinquent. 

The minute I understood what happened, I express-paid the balance for the tax increase of {$2600.00} and I increased my mortgage payments as well. 

I would greatly appreciate the credit bureaus showing I am paid up and on time. 

Thank you. 

XXXX XXXX Cell : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
sharing my information illegally ( 3rd party )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
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 ASK THESE COMPANYS TO REMOVE THESE ACCOUNT BECAUSE THEY ARE DO TO A DATA BREACH WHICH MY INFO WAS EXPOSED.

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 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
on XX/XX/XXXX I filed a dispute of inaccurate information into four different reports on my credit, accounts names and amounts were : XXXX XXXX {$750.00} XXXX XXXX {$610.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$4800.00} I provided letters from each company and account pay statements showing that each item was paid off and should be closed and reported as such. My original close out date of my dispute was set for XX/XX/XXXX. Transunion extended the date first to XX/XX/XXXX, saying they did not receive a response from the creditor. I called in again on XX/XX/XXXX to check the status to find that Transunion has again extended the date of the close of the dispute to XX/XX/XXXX, without notifying me, due to the creditor not being responsive. 

I asked the agent I spoke with how this is fair or consistent with the requirements of credit reporting bureaus and whether this would in fact close or again be extended. I was given no answer and told that " this is a part of the process '' and that there was nothing they could do. 

I explained to the representative that this is credit abuse and fraud at this point, due to the accounts being in a paid status in excess of 30 days. This complaint against XXXX XXXX. demonstrates that they are abusing consumers and neglecting their responsibilities in fairly and accurately reporting correct information in a timely and just manner,

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 2020-07-02
Company: EQUIFAX, 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:
I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE. I NOTICED IT BCAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASNT APPROVED SO IT PROMT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AN DNED TO BE DELETED FROM MY CREDIT REPORT. XXXX  XXXX {$850.00} XXXX  XXXX {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: NAVY FEDERAL CREDIT UNION
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FCU with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018 2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
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 status incorrect

Complaint:
I have mailed 611 letters to all 3 credit bureaus twice. Both times were certified. I've called in several times and waited on hold to speak with a representative. I have only seen results with one bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: DISCOVER BANK
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:
On XX/XX/2020, DISCOVER FINANCIAL SER add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
SPS states they will refund money accumulated in my escrow accounts. I will actually pay them this debt I do not owe when they refund over {$600000.00} that seems to have gone into my escrow account as it was not applied anywhere else. I suggest they get it from the XXXX XXXX XXXX XXXX or one of the three companies that appear to have been paid off twice or from XXXX XXXX who colllected AND foreclosed on my other property after it was paid in full to -apparently- another company. 
I dont know what is going on but I want it fixed. I want a refund of the money I have over paid and I want my house on which they have no ligitamate claim. I want my duplex back from XXXX 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 2018-12-19
Company: EQUIFAX, INC.
State: SC
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 have a couple hard inquires on my credit report that I have not inquired about and I am not sure who did. The first is labled " XXXX  & XXXX XXXX '' dating back to XX/XX/XXXX. The second is labled " XXXX '' dated XX/XX/XXXX. The last is labled " XXXX XXXX '' dated XX/XX/XXXX. I have no knowledge of any of these inquires and would like these removed from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Paid {$1900.00} on XX/XX/XXXXto Goldman Sachs / Apple. They take 10 business days to post a payment even after the payment has cleared the account. They will report incorrect information to the credit bureaus due to this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXXXXXX XXXX XXXX reported a payday loan I have no knowledge of. sent this dispute XX/XX/2020. Company responded. information removed. Per company they stated they removed this from equifax. they are in violation as they have still reported this information to equifax even after they stated it would have been removed. per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Rocket Mortgage, LLC
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Inquired with Quicken Loans about refinancing rates. Spoke with agent XXXX XXXX ( from the XXXX office ). XXXX pressured me to run my credit. I told him I did not want to do a hard pull and that the other mortgage companies I spoke with only did a soft pull. XXXX advised me that the other companies I had spoke with were misrepresenting this request and that they all have already done hard credit pulls. I was feeling pressured by XXXX with him asking me to confirm my personal information. Eventually I told him to hold on and that I did not want my credit run, but XXXX told me he had already ran it. despite me saying to hold on. 

The information he gave me was wrong and the other companies had not run a hard pull. Which I feel was a sales tactic to lie about my previous inquiries, in order to pressure me to provide my information. I mentioned only a soft pull, and I believe he also ran my credit after I said to hold on. He then refused to answer my messages afterwards, despite reaching out by text and phone, and seeking help from other office agents who spoke with him about returning my messages. I attempted to contact him for 7 hours, and he would not reply, so I was unable to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: NV
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:
Dear to whom it may concern, Defendant EQUIFAX, XXXX and XXXX XXXX is a foreign company that furnishes consumer credit information to consumer reporting agencies. 15 U.S.C. 1681s-2.XXXX  and XXXX XXXX failed to maintain and failed to follow reasonable procedures to assure maximum possible accuracy of Plaintiffs credit report, concerning the accounts in question, violating 15 U.S.C. 1681e ( b ). 
My name is " XXXX XXXX ". % % **. The items below I have disputed and none of the data furnishers have provided me any scope of the " so-called '' investigations as required by 1681s-2 ( b ) and it has already passed the legal time from of 30 days to do so. ] had disputed several items that do not belong to me to XXXX, Equifax, and XXXX and I also included all proper and required identification such as my drivers license, social security card, and proof of address and yet the bureaus have been using " stall tactics '' to delay my disputes and or not give me the proper fairness of the FCRA. On XX/XX/XXXX the bureaus sent me a letter requesting that I send them my social, drivers license, and proof of address saying that they " Can not ' help me but I know this is just a stall tactic they are using because I have proof and transmission receipts from CFPB including my drivers license, my social security card, and my proof of address. 
**Address** XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My address now is XXXX XXXX XXXX XXXX XXXX, the other addresses are either old or incorrect so please delete them. 
**Credit cards** XXXX XXXX Reported :XX/XX/XXXX Where is the original contract, application or other proof which clearly shows my consent and signature? What is the name of the person you received this information from? What was your method of verification? Using an electronic response is not an acceptable proof and must be verified in itself. This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Hard inquiries** XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Utilities UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Telephone Companies Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: CAINE & WEINER COMPANY, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was never contacted about this. I have received no verification of this. I can not believe that someone can damage my credit like this without talking to me first. I never spoke to anyone nor did I receive any letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A collection for Transworld Systems was placed on my account. I requested for a pay to delete as it is effecting my overall credit score. I intend to apply for a home loan, and this collections account is effecting my score negatively. I have contacted the company on several occassions, and they state they can not delete the debt off of my account.

Please see information as follows : Transworld Systems with a balance of {$1000.00}

Company response to consumer: Closed with explanation