BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I filed a dispute with Equifax using regular mail as they have a debt assigned to me wrongly on my credit report. It has been 30 days and I heard nothing from them. I tried contacting them, but they were not able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been paying XXXX, XXXX XXXX and XXXX monitoring services every month. These services will not update my balances or credit scores. I have called all three bureaus, XXXX, TransUnion and XXXX  on several different occasions. I have filed complaints with all of them and spoken with supervisors. I have elevated the calls. They need to update the accounts and credit scores. The three bureaus all say the same thing that they will update but never do. Two months ago, XXXX said they had a problem with their system and it has now been fixed. All the bureaus updating accounts and credit scores need to happen ASAP since I have been waiting for so long. They are holding me back as a consumer. For example, I am trying to refinance my mortgage but can't without incurring large refinance fees because of my current credit score. If XXXX, TransUnion and XXXX   would update my accounts and credit scores then I would be able to refinance and be able to control my debt better since I have the only income as a XXXX. This is holding me back as a consumer.

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 2023-01-12
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2020-06-02
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I send a money to the wrong person by PayPal and then I tried to request but it doesn't let me do it, so I want to to know if yall can help get my money back from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Franklin Collection Service, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Franklin collection is reporting collection multiple times days away from each other as if its a new collection.I requested to have this debt validated as I advised them and the credit bureaus that this is not my account and have never had this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: AES/PHEAA
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
FedLoan Services Loans still showing up on my credit report and they were supposed to be dismissed due to being a 100 % XXXX service connected veteran. XXXX for {$11000.00}, XXXX for {$2000.00}, another for {$5000.00} and XXXX for {$5500.00}. They now show a {$0.00} balance however they are still reporting on my credit bureau and I need them removed asap. I am trying to get my credit scores straightened out so I can utilize my VA Home Loan. XXXX XXXX XXXX XXXX, PA XXXX phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
Company: EQUIFAX, 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:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX has removed this from my credit report however, Equifax and XXXX have not. I have contacted the bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received direct deposit from my paycheck to American Express Serve. They were 3 purchases made with my card n I told them repeatedly that it wasnt me who made the charges. They said they have proof I Told them I was at work n I live in XXXX The purchases were done in XXXX in XXXX while I was at work. 
I only use my American Express serve card for ATM withdrawals in XXXX only. 
The amounts were on XX/XX/23 for {$130.00} XX/XX/23 for {$53.00} both purchases from XXXXXXXX Please help me get my money from my direct deposit back Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: EQUIFAX, INC.
State: GA
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 have requested for the fraud alert to be removed from my experian and equifax report but its still showing on there. i need the fraud alert removed from my report asap thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
Company: LTD Financial Services, L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, I received a letter from LTD Financial Services, claiming a debt in the amount of {$440.00}. I do not owe this debt, I have never had an account with the company they claim to be collecting for. This is a fraudulent collection. 

I have received several phone calls from this company in the past month in which I have had to ask several questions regarding who they are with before any of the reps would tell me the name of the company they worked for. Upon hearing " LTD Financial Services '' I asked them each to stop contacting me. I was told by every rep that " thats fine, if you wont confirm who you are we dont want to talk to you anyway ''. Of course, I always receive another call. I have blocked the numbers but continue to receive calls from new numbers. 

The letter they mailed states they will mail verification of this debt. I have contacted the Ohio Attorney Generals Office to report this company as well. There is no verification to this debt. This is a complete scam and fraud. I have never owed this amount of money to any company, creditor or individual. After reviewing their status on the XXXX, where they have not even registered, it seems as though this is common practice with LTD, along with contacting people saying their Social Security numbers are not valid. It seems as though this company prides itself in taking advantage of uninformed people. 

I would like to file a complaint and report harassment. If this company continues to take this further and attempt any further collection of this fraudulent debt, or take any action to disrupt my credit, I will have no other choice but to seek legal action. Thank you. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I paid my American Express Everyday Blue Cash credit card off in XX/XX/XXXX and was super excited to finallly have a zero balance and have the opportunity to begin using my credit card for purchases and being able to earn rewards. I began chatting with an agent on the Chat online on XX/XX/XXXX around XXXX EST. I requested a lower APR due to having better credit now than I did when i applied in XXXX. I have been a card holder since XX/XX/XXXX and never have i had my APR lowered or my credit limit increased. My other credit cards lowered my APR and increase my credit limit multiple times except American Express. During the chat of requesting a lower APR i was advised my APR was unable to be lowered at this current time. I accepted that response and asked what my current APR was on the account. That is when I was informed my APR was 25.24 %. I was extremely surprised my APR was so high due to when opening my American Express Credit card in XXXX my APR was 19.24 %. I never received any letter or notification regarding this APR increase and when I asked why I was advised the letter was missing in the mail and they confirmed it was never delivered to me. I continued to speak with an agent on chat on XX/XX/XXXX, and then i requested to escalate my concerns where i began speaking with a Supervisor via chat who advised my the same information and that the letter was sent in XX/XX/XXXX and then notice was on my statement, but the letter was lost in the mail. That was when i was provided a phone number of XXXX to discuss my account with someone and be provided the reasoning my APR was increased and why my APR was unable to be decreased at the time. I made the call to that number on XX/XX/XXXX around XXXX EST where i received no help from the initial agent nor the next supervisor. I requested to speak with a manager and was advised one was not available. I accepted that one was unavailable and requested to leave a voicemail or have a manager contact me back regarding my concerns and the Supervisor advised me that no one would be able to do anything and speaking with someone higher would result in the same answer. I am now waiting for a response back from the manager. I was advised my APR was increased due to my Fico in XX/XX/XXXX and the increase started on XX/XX/XXXX. This is a HUGE increase, I never received a letter, and i was never delinquent on the account and was an outstanding customer. I read the valid reasons on this site on what constitutes an unexpected APR increase and i did not meet or cause any of them. I would like my APR to be adjusted back to the 19.24 % or lower. My issues are unresolved and my customer experience is horrendous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: MIDFIRST BANK
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Due to COVID-19, I was laid-off from my job on XX/XX/2020. On XX/XX/2020, I called our VA loan servicer, Midland Mortgage, and requested a mortgage deferment under the COVID-19 CARES Act. The representative that I spoke with said I was approved for a mortgage deferment for XXXX, XXXX XXXX, XXXX, XXXX and XX/XX/2020 mortgage payments. The Midland agent explained that our deferred payments would be placed on the back end of our loan. The Midland agent further said that if we chose to catch up the late payments before XX/XX/2020 our account would be back to a zero balance. Because of previous experiences with Midland Mortgage, I asked the representative to repeat what we were being approved of and I recorded it. 

Later, after not receiving the email that I was told I would receive, nor any written confirmation from Midland Mortgage of our deferment, we logged into our Midland Mortgage online account. In the account summary page, it stated that over {$6000.00} would be due on XX/XX/2020. We called Midland Mortgage on XX/XX/2020 ( at XXXX, XXXX, XXXX, XXXX ), XX/XX/2020 at XXXX and XX/XX/2020 at XXXX to request that they send us something in writing stating the facts and agreement I was told on XX/XX/2020. On all three instances, Midland reps stated that Midland does not offer deferments to move those payments to the end of the loan and we would have a lump sum payment due XX/XX/2020. They stated that they would consider extending for another 6 months or other options after XX/XX/2020. All three reps stated that deferment to the end of the loan can not be done at this time. I recorded these conversations with Midland Mortgage as well. 

Also, on XX/XX/2020, I received a letter for their short-term mortgage assistance program that will allow us to delay payments for 6 months. It did not reference the deferment that we requested to place these payments to the end of the loan that was initially approved and verified on XX/XX/2020. Instead the letter stated a lump sum payment of over {$6000.00} would be due at the end of XXXX. 

I have spoken to several representatives of the VA Regional loan center who has verified by phone and in writing that it is our choice to request a lump sum payment or put those payments to the end of the loan right now, not evaluate in 6 months. Please help us with getting the Deferment for our mortgage with our loan servicer, Midland Mortgage as illustrated in the rights of the CARES Act. We have attached several documents to support our complaint. Those previously referenced recordings are available upon request.

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 2023-02-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is now my second complaint against Experian. In their response they claim they verified a bankruptcy with the " furnisher '' when I spoke with the " furnisher '' and XXXX XXXX confirmed they haven't and DO NOT give information to credit reporting agencies so who is this " furnisher '' they are referring too. I demand to know in detail HOW they verified this, who they spoke with, when, names and titles of their individuals and of the Experian representatives. please know that included in my suit will be all of the violations of the FCRA, defamation of character, and I will be looking for no less than {$30000.00} in compensation. Experian has violated 15 USC 1681b by furnishing these things WITHOUT my written consent I don't care who they claim the furnisher is. They have violated 15 USC 1681s-2, 15 USC 1681e ( b ) by not making sure this information was accurate before putting it on my report. And if it was verified then Experian please explain 15 USC 1681a ( 3 ) e which explicitly says the consumer report can NOT contain factual information from the creditor or a credit reporting agency. Information can only be verified through neighbors, friends, or others who may have knowledge concerning the items of information? Clearly Experian believes that the average XXXX will back down from their bullying tactics but not this guy. I am a well educated professional willing to do whatever to protect my name against Experian 's fraudulent practices not to mention a data breach they experienced where the thieves were able to get into anyone 's FULL credit report for 47 DAYS! Your practices are not secure or ethical. Experian did not even speak on it for over a month and there is still no resolution. So who is to say that my information was not included in that breach and Experian 's negligence is still causing me damage. The company is a complete joke they obviously paid for their XXXX  XXXX because they have XXXX out of XXXX stars.

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 2023-05-10
Company: EQUIFAX, INC.
State: NC
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:
It indicates that my credit report has been corrupted. I was looking over my records once more when I discovered many items that did not belong to me. Since I'm a stickler for details, I discovered that under section 605b of the FCRA, you are required by law to remove and prohibit any things that are discovered to have been opened as a result of identity theft. I do not own the objects in the dispute. I have sent the FTC Report that you need ( found through additional research that both parties requested ). Please block or delete these files. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX FL XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
There were 13 soft inquiries from XXXX in various names, including XXXX XXXX on XX/XX/21, but never a hard inquiry that I could see while checking my credit report through XXXX XXXX. There was never an account on my credit report from XXXX XXXX. I did not set up this account, XXXX XXXX has never contacted me and I have never contacted them. If you review my credit report, you'll clearly see that I pay my debts on time, each any every month. This collection just appeared from no where. I went to Transunion to dispute this, but they simply said that the dispute was closed and they did not remove this clearly fraudulent activity. ( What bank would set up an account, but not report it to the credit authorities? Who would run 13 separate soft inquiries on one day under various versions of the name XXXX, but not do a hard inquiry when creating the loan? This was done so I would not be able to see this fraudulent activity. ) Transunion has a duty to ensure that the credit information they provide is accurate. They have clearly failed to do so in this case.

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