BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-05
Company: DISCOVER BANK
State: CA
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/XXXX, I charged {$190.00} on my Discover card for XXXX XXXX XXXX via online ad. On XX/XX/XXXX I changed my mind after reading numerous complaints against this company on XXXX site. I emailed company ( XXXX ) to cancel order. On XX/XX/XXXX, " XXXX ( Support ) emailed that my order was successfully cancelled and shipment stopped. Full refund would be returned to my card " within 5-10 business days. '' I waited and waited. No refund. Therefore, I filed a dispute on XX/XX/XXXX with Discover to get my money back. They issued a temporary credit. Some entity called " XXXX! '' sent Discover fraudulent and misleading papers with a shipping date and a XXXX Tracking #. However, I never received any packages from that company. When I checked with XXXX about the Tracking #, they said they never received the package. It was cancelled by XXXX back on XX/XX/XXXX! It was never shipped. Evidently, the Tracking # was generated when I ordered, but it was never shipped. On XX/XX/XXXX, Discover decided the charge was valid. Wrong! This complaint is echoed by several other consumers who protest as I am doing, that Discover does not protect their cardholders in disputes. One other XXXX like me ( XXXX ) comments Discover seems to be trained to side with the scammers! No longer an honest company. I have already sent Discover documents : 1. the email from XXXX cancelling order and authorizing refund ; 2. XXXX doc stating no package with that tracking # was in their possession. When I called XXXX XXXX and reiterated issue, they said Customer Service would contact me within 48 hours. Of course, that did not happen. Discover told me to ask the company exactly what card was involved, etc, as if I am the investigator! This company ( XXXX. ) is a SCAM. Liars. Discover has essentially stolen {$200.00} from me : protecting scammers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-03
Company: Fay Servicing, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently sold to Fay Servicing, NMLS ID XXXX. I have been in the process of refinancing and was seeking the payoff schedule. My new mortgage broker requested in XX/XX/XXXX but I didn't receive anything. I then called in to request again on Friday XX/XX/XXXX. I was told there would be a rush job to have a new payoff created and emailed to me by my case manager XXXX XXXX direct number XXXX. I then called back in to follow up on Tuesday XX/XX/XXXX. It was communicated to me that the contact on the XX/XX/XXXX did not request a new payoff and did not notify my case manager. The person that I called on XX/XX/XXXX then said they would request a payoff and instruct my case manager to get her supervisor approval to rush job and then email me the document. I called back into Fay Servicing and left a voice mail for XXXX, my case manager on XX/XX/XXXX asking her to call me and follow up on the payoff. At this point I had rescheduled my closing to refinance two times. I called into Fay Servicing Wednesday XX/XX/XXXX and was instructed by XXXX XXXX to have my loan officer call in to obtain a loan payoff request. This was because my access to the account, under my ex wife's name, had expired according to FayServicing (attached email thread with ex wife and co-borrower XXXX XXXX). XXXX XXXX did do this and both him and I have called every day to follow up. I left  a voice mail for XXXX XXXX on XX/XX/XXXX. XXXX XXXX, mortgage broker, has called twice per day since payoff request and each time when finally talking with someone they could not provide the payoff amount.  I am currently scheduled to close on the refinance Friday XX/XX/XXXX. Any help on this matter is much appreciated. Please see all email attachments confirming ongoing attempts by myself, my co-borrower and my mortgage broker to obtain a payoff number as to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: MN
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:
All of the Consumer Report Views/Soft Inquiries listed on my Experian and XXXX credit report from XX/XX/XXXX to XX/XX/XXXX are all fraudulent and unauthorized soft inquiries listed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 filed a dispute on the incorrect I'm on my credit report it has been well over 30days and I haven't received any investigation results.

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 2018-01-03
Company: Convergent Resources, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Convergent regarding an alleged balance from XXXX of {$1200.00} that is on my credit report. 

The billing they sent me dated XX/XX/XXXX shows a previous balance of {$1100.00} but no explanation how they came up with the owed amount with previous detailed charges. 

At the time of the service with XXXX, I contacted them because I was not getting cellular service like I was supposed to. XXXX explained to me that the reason for the missed, dropped calls and interruption in service was because they were in the process of repairing their cellular towers and that they had no set date of when the repairs would be completed by. As such, since I was getting no service and missing client business calls I had no choice but to cancel my service. I assume the majority of the bill was early termination fees and final month of service which obviously was not provided. Based on what they sent me in response to my request ( when a consumer asks for detailed charges simply sending a previous balance is not sufficient ). Their information is incomplete and I can not proceed with any type of negotiation with such incomplete information. It is my assertion that based on the lack of cellular service provided and local statutes in my state that prohibit utility companies for charging services that can not be rendered I should have no balance owed and this collection should be removed from my credit bureau record. 

I contacted Convergent via certified mail in XX/XX/XXXX. I also contacted the 3 credit bureaus in XX/XX/XXXXand one last attempt to Convergent in XX/XX/XXXX and have been working on getting this resolved since then. It 's been over 8 months and still do n't have a resolution. 

Attached is a copy of the billing they provided in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: ERC
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a Texas resident. My identity was stolen in the XXXX breach. As a Texas resident who has had his identity stolen I am entitled to a free credit freeze. 

Transunion will not honor this and only offers me the option to freeze my credit report if I pay {$10.00}. 

Transunion is trying to profit of US citizen 's pain from the XXXX breach. 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 2017-09-13
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On Tuesday, XX/XX/XXXX I requested a free copy of my credit report from Experian through Experian 's website ( experian.com ). I accessed the website and made the request through a mobile device ( 5 inch screen ). I understand that, under the law, I am entitled to one free report each year from each of the credit reporting agencies. This was the first time in more than a year that I requested a free report from Experian. 

When I was at the Experian website, I clicked on a link for a purportedly " Free '' Credit Report. Experian asked that I input certain personal information through the website to verify my identity. It also asked that I input my debit card information, which I believed was also to verify my identity. 

Unbeknownst to me, however, the offer of the " Free '' credit report led me to an area of the website where Experian -- without disclosure that was readable on my mobile device -- signed me up for some sort of membership program. I did not find this out until a week later when Experian took it upon itself to charge my debit card {$21.00}. 

On Wednesday, XX/XX/XXXX I called Experian 's customer service number. I was greeted with an automated system that made it difficult to speak to a customer service representative. I cancelled my supposed membership through the automated system. The automated system then disconnected the line. I immediately called back, and, after several tries, was able to connect to a customer service representative. When I explained I wanted a refund, the customer service representative stated that he would place me on hold for a few minutes to connect me to the department that handles refunds. 

I spent over 45 minutes on hold. When the customer service representative from the refund department answered, she claimed that the website explicitly stated that my card would be charged {$21.00}. I told her that I accessed the site through a mobile device, and saw no such disclaimer ( or at least one that could be easily read ). I again asked for a refund, and further explained that I did not access any services other than my credit report ( which did come with a credit score, but I never asked for that ). She responded that she would check to see if I was eligible for a refund. After placing me on hold for a few minutes, that customer service representative returned and stated that Experian would not issue me a refund. I told her that I would then file a complaint with the appropriate agency or agencies. She did not respond. I 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 monetary relief
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In the wake of the XXXX security breach, I set out to freeze my credit accounts. I have steadfastly been unable to do this with XXXX, either online or over the phone. Same with XXXX. I was able to successfully freeze my accounts with Transunion and XXXX. 

Furthermore, my only option for protecting my XXXX XXXX by freezing my credit involves paying the same companies money that lost my data in the first place. It 's a modern day " Say, that sure is a nice social security number you got there. Shame if something bad were to happen to it '' sort of shake-down.

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 2017-07-26
Company: EQUIFAX, INC.
State: OK
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 obtained XXXX separate student loans from XXXX to XXXX to attend XXXX XXXX XXXX XXXX  XXXX. XXXX was the original servicer of these loans. I was unable to obtain gainful employment in my field of study, so I had these loans in forbearance or deferment status until XX/XX/XXXX. That is when all of the loans became delinquent for a period of ten months and were transferred to the XXXX XXXX XXXX. In XX/XX/XXXX, I applied for XXXX XX/XX/XXXX XXXX XXXX XXXX through XXXX and satisfied all of the requirements for the three year monitoring period. In XX/XX/XXXX, I  received a discharge letter from XXXX. All XXXX of my loans are being reported XXXX on my credit report by XXXX. XXXX corrected the status of XXXX of these accounts to " current, paid as agreed '' after I disputed a false late pay on my Equifax report during XX/XX/XXXX. I prevailed in getting the false late pays removed. I filed an additional dispute with all bureaus to correct the status of the remaining XXXX loans from currently 120 days late to " current ''. That dispute was unsuccessful. I contacted the Federal Student Loan Ombudsman Group for assistance. The first investigation was unsuccessful. I filed a subsequent case with the Ombudsman Group, via email and this case was concluded in a very timely manner. I was assured by the Ombudsman that XXXX would correct the reporting of these accounts, however this has yielded more issues. XXXX responded with correspondence to me stating that after a careful review of my account, they submitted a request to all national credit bureaus to update the trade lines for my loans to show a XXXX balance. I called XXXX to clarify the information in the letter, and the representative stated that the delinquencies would be corrected. XXXX reported all XXXX of my loans on my credit file with all XXXX bureaus a XXXX time, these loans are reported in good standing. However, the loans are listed twice by XXXX now, with the status not being corrected on the first set of loans reported. Also, all XXXX of the loans are listed on my report by the XXXX XXXX XXXX in a paid, written off collection status. These loans reported by the XXXX XXXX XXXX were in good standing up until the point where " inappropriate '' corrections were made. In short, I have XXXX separate loans that are being reported XXXX times with all three bureaus. Each loan is being reported as a derogatory account XXXX, XXXX by XXXX and XXXX  by the XXXX XXXX XXXX. This amounts to XXXX derogatory accounts on EACH of the XXXX bureaus. I have consulted with an attorney in this matter, I was advised that since the loans are XXXX they should be completely stricken from my credit file. I have attached the letter of discharge from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Letters amongst letters were sent out to this company for reporting this to my credit report unknowingly and unwillingly to my knowledge, while also being inaccurate. To my common knowledge I haven't heard anything back from them making me feel as if they are completely disregarding my request. This is bringing upon stress into my life while also financially holding me back. In section 611 ( a ) it states failure to investigate these items within 30 days causes for immediate deletion. It has been well over 60 days and I have received no response. I want these files to be deleted immediately or i will file for litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: EQUIFAX, 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:
RE : EQUIFAX REPORT CONFIRMATION # : XXXX CONFIRMATION # : XXXX I have called numerous times to get XXXX accounts taken off my credit report. 
1. XXXX XXXX XXXX , XXXX. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, TX XXXX Opened : XX/XX/2019 Amount : {$580.00} ( See copy of enclosed letter ) 2. XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, TX XXXX Opened : XX/XX/2019 ( They called my phone asking what credit card I would be using for a payment!!! ) 3. XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Opened : XX/XX/2019 These are not my accounts, YET THEY KEEP SHOWING UP INDICATING THAT THEY ARE MINE. THEY ARE NOT!!!! These belong to a lady named XXXX XXXX. My name is XXXX XXXX XXXX. I never go by XXXX, and it's always XXXX XXXX, NOT XXXX. I am told by Equifax that they can not remove them and to contact the companies. The companies tell me to contact Equifax. I am just getting the run around. I recently retired and am in the process of paying off all my debts and having someone else 's accounts on my credit report is not helping!!! I also have alot of hard inquires listed that are NOT mine!!! 
1. XXXX, XXXX. 
2. XXXX XXXX 3. XXXX  XXXX  4. XXXX XXXX XXXX First of all, i have NEVER borrowed money at a finance company, nor would I ever step foot in a XXXX XXXX   store.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In the wake of the Equifax hack, affecting 143million accounts, I have attempted to place a credit freeze with all three major credit reporting agencies. I have gotten a busy signal multiple times or their site has been down. It is unacceptable that I can not place a security freeze on my account because a company valued at > $ 1billion can not accept calls ( nor keep its personal data secure in the first place ). These attempts at a phone call or website access have taken place multiple times from Mon ( XX/XX/XXXX ) to Weds ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir or Maam, XXXX recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiry that I find to be problematic. The inquiry in question was apparently made by CAP ONE XXXX XXXX XXXXXX/XX/2021 ), and I have no recollection of doing any business with CAP ONE XXXX.I contacted CAP ONE XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my XXXX XXXX is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next XXXX weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In the wake of the XXXX hack, affecting 143million accounts, I have attempted to place a credit freeze with all three major credit reporting agencies. I have gotten a busy signal multiple times or their site has been down. It is unacceptable that I can not place a security freeze on my account because a company valued at > $ XXXX can not accept calls ( nor keep its personal data secure in the first place ). These attempts at a phone call or website access have taken place multiple times from Mon XXXX XXXX XXXX to Weds 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 2017-09-14
Company: EQUIFAX, INC.
State: IA
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:
Equifax did not provide secure access to my credit and personal data thru latest reported breach, as well as fraudulently kept info from me as I have not been officially notified

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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: Information belongs to someone else

Complaint:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief