BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-03
Company: DISCOVER BANK
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:
My discover card XXXX is not being reported on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied with my husband to open a checking account and was denied because the bank, XXXX XXXX XXXX XXXX XXXX was unable to verify my Date of Birth through a system called " ChexSystems. '' They could not provide me with any further information and just said I would have to call Chex Systems. I attempted to call them, but it is just a recording -- you ca n't even speak to a real person. The only automated option was to request my report, which I did. I received it a couple of days ago and it contains no information. All it has is my name and address on it. This is insane. In my 35 years, I have opened bank accounts, credit cards, had mortgages, and car loans. I ca n't get any further information from ChexSystems and do n't know what to do if they do n't correct their information.

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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-04-18
Company: DISCOVER BANK
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I accepted an offer from Discover last year for a promotional 6.99 % interest rate on balance transfers or new purchases. I read the fine print and agreed to the 12-month term of the offer, which stated if the balance of the transfer or purchase was not paid off within 12 months, the balance would be subject to my regular, higher interest rate. My plan was to make equal payments each month to pay off the promotional rate balance prior to its expiration. However, when the balance did not decrease at the rate I thought it should, I " discovered '' that Discover applies only the minimum payment to the lower interest rate balance. Anything above the minimum goes to the higher interest rate balance. 
This arrangement makes it impossible to pay off the lower-interest balance before the special rate expires unless I pay off the entire balance of the card ( not currently an option ). " XXXX '' in customer service tried to tell me that Discover is actually saving me money by putting my payment above the minimum due towards the higher interest balance. In fact, this does not save me money in the long run because the remaining balance will be subject to the higher rate at the end of the promotion term. 
Discover lowered my regular interest rate by 1.05 % in an attempt to appease me. I asked if they could raise my " minimum amount due '' so that I could pay down the special interest rate offer in a reasonable timeframe. They refused. 
This is a debt trap and very consumer unfriendly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a phone call stating that legal documents for a personal complaint were to be filed against me. I called the phone number ( XXXX ) which was given to with the reference # XXXX and was told this was for a Bank of America credit card debt. I asked when the last activity was and was told it was around the years XX/XX/XXXX-XX/XX/XXXX which in the State of Texas is beyond the statute of limitations to sue me for this. The person I spoke with was XXXX XXXX with XXXX XXXX XXXX from XXXX TX. I have never received any notice of collection from this company and upon asking for more information XXXX XXXX was very vague about giving answers. I called back on XX/XX/XXXX and spoke with XXXX XXXX and asked for the mailing address upon which she responded that, that was not the way things worked, she then put me on hold for over 10 minutes with no one else answering my call. XXXX XXXX told me in the first conversation that I would be sued for collection and or my wages would be garnished and my checking account would be froze. I have been on SSI XXXX now for 4 years, my check is direct deposit which can be verified and is protected under federal guidelines. After not having received any validation from XXXX XXXX XXXX for this presumed debt I am filing this complaint.

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 2022-03-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX and I am sending this complaint to address an inaccurate negative remark on my Experian report. As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. The payment history is stating that I was 30 days late while It is clear that the status of the account is " current '' not " 30 Days Late ''. I was never late on this account. I've already sent a request to Experian to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : 1. XXXX XXXX Balance {$340.00}

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 2017-11-03
Company: Bread Financial Holdings, Inc.
State: PA
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:
There are inquires that I do not recognize on my credit reports. The inquiry was not authorized by me nor do I have any knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
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:
There are inquires that I do not recognize on my credit reports. The inquiry was not authorized by me nor do I have any knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: EQUIFAX, INC.
State: NC
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 credit inquiries on my Equifax credit file. I have disputed these items time and time again. I disputed these on XX/XX/XXXXthat I had no knowledge and I did not authorize these inquiries. I received an email the next day on XX/XX/XXXX that the investigation was completed and they were not going to remove them. I called back on XX/XX/XXXXand spoke with a representative name XXXX and inquired about the inquiries and she advised that there were no inquires on my report. I asked if she was sure and she said there are n't anything showing until inquires just regular accounts. We were disconnected I called right back and was advised by another representative that there was n't any inquiries showing not even soft inquiries. I called on backXX/XX/XXXX to check to insure that there was n't any inquiries and the rep stated that yes they are. I told her about the phone call last night and the two reps said nothing was showing. I did not authorize these inquiries, the inquiries are. I know Equifax was the affected by a Security Breach this summer and I am afraid that my credit file might have been apart of that breach. XXXX XXXX - # Inquiry fromXX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXXInquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX - # Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For the past two years since XXXX 2015 I have been written to the three credit union 's Equifax, XXXX and XXXX, in regards to XXXX XXXX XXXX, XXXX and XXXX having an account in my report. These are not my account, the debt collector 's has not been able to validate the account 's neither has the credit union. these account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I sign any legal document with my signature binding me to a contract with XXXX or XXXX XXXX XXXX. 

The credit union have been informing me I have to speak to the debt collector 's the debt collector 's tells me I have to request the deletion of my account from the credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For the past two years since XXXX 2015 I have been written to the three credit  union 's XXXX, Transunion and XXXX, in regards to XXXX XXXX XXXX, XXXX and XXXX having an account in my report. These are not my account, the debt collector 's has not been able to validate the account 's neither has the credit union. these account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I sign any legal document with my signature binding me to a contract with XXXX or XXXX XXXX XXXX. 

The credit union have been informing me I have to speak to the debt collector 's the debt collector 's tells me I have to request the deletion of my account from the credit union.

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 2017-11-03
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COMMONWEALTH FINANCIAL SYSTEM HAS REPORTED ERRONEOUS INFORMATION TO MY XXXX CREDIT FILE CAUSING MY CREDIT SCORE TO DROP WITH THIS FALES INFORMATION AM TRUING TO MAKE A HOME PURCHASE IN THE NEAR FUTURE AND THIS WI CAUSE ME TO BE DEINED NEED YOUR HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX/XXXX/2021 I mailed a letter requesting an investigation about questionable items on my credit report. It has been almost two months and I still haven't received any results of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a debt collection letter stating that I would be litigated against if I did not pay {$5400.00} by XX/XX/XXXX. This account was closed by the original creditor ( XXXX  XXXX ) without consent or notice. My original credit limit was {$3500.00}. the account was closed by XXXX  XXXX on or about XX/XX/XXXX. XXXX  XXXX continued adding interest charges 1 full year after in the amount of {$5300.00}. I asked for the original accounting document to figure out how the calculations were made and the validity of the account being closed as it was not agreed to and possible fraud was suspected by XXXX XXXX. I was denied my request for any information besides a generic debt validation letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
We purchased new HVAC system for our home the end of XXXX and received a loan to cover the new HVAC. Payments started XX/XX/XXXX and monthly amount was {$160.00}. Our account with EnerBank is billing account XXXX. We missed one payment in XX/XX/XXXX ( which we regret ) but could never go and make that payment. They added {$80.00} ( interest fee to the loan ). We also noticed they closed the account ( Credit report ) sometimes during XXXX XXXXXXXX and I know the company was purchased by Regions Bank ( I believe at that time also ). At this time, this account still shows closed under my credit account. 

We have noticed weird things happening to our account throughout the XXXX, this year we set all the payments to go automatically so we would not miss any payment due on XXXX each month. XXXX, XXXX, XXXX payments were made on time automatic withdrawals. 

This month XXXX we received an email that in XXXX ( double the amount would be deducted {$320.00} ), but we owe only {$160.00} each month. I tried to call the company in XXXX when we realized we missed one payment, their system doesn't allow for multiple payments. Their system is very consumer unfriendly. We need someone to look into them and clarify, if this was a loan, or it was a credit card. As I mentioned, things are weird and I believe there should have been more paid off by now, but isn't. Thank you for looking into this. Attached are screenshots to support my complaint. 

XXXX XXXX XXXX, or spouse XXXX XXXX ( XXXX ) P.S. : XXXX was calling about missed payment in XXXX but they did not want to talk to her, since this was under my name. She provided all the information, she got me on the phone to give permission to EnerBank talk to her and the customer service hang up on us 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 2017-11-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For the past two years since XXXX 2015 I have been written to the three credit  union 's XXXX XXXX and Experian, in regards to XXXX XXXX XXXX, XXXX and XXXX having an account in my report. These are not my account, the debt collector 's has not been able to validate the account 's neither has the credit union. these account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I sign any legal document with my signature binding me to a contract with XXXX or XXXX XXXX XXXX. 

The credit union have been informing me I have to speak to the debt collector 's the debt collector 's tells me I have to request the deletion of my account from the credit union.

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 2022-03-09
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Stearns Ventures, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
COMPLAINT # I 'VE ALREADY MADE TWO PAYMENTS FOR OUR MORTGAGE..XX/XX/XXXX ANDXX/XX/XXXXIN THE AMOUNT OF " {$1800.00} INCLUDING ESCROW ''. MY " TAX-EXEMPTION '' IS NOT BEEN DEDUCTED EVER SINCE. I AM HOPING STEARNS LENDING WILL REIMBURSE MY MONEY FROM THE TWO MONTHS OR WHATEVER LENGTH OF TIME THEY TRY TO LEAD ME ON WITH THEIR UNRIGHTEOUS DOMINION, VS. UNSCRUPULOUS CONDUCT.
I RECEIVED A RESPONSE FROM THEM ONXX/XX/XXXX. A COMPLAINT CASE #XX/XX/XXXX STATING IN RESPONSE TO ( CFPB ) : THERE ADDRESS : STERNS LENDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I AM STILL WAITING FOR WHATEVER IS TAKING THEM SO LONG. I DISCLOSED MY TAX-EXEMPTION TO THEM DURING THE PROCESS OF PURCHASING OUR HOME IN XX/XX/XXXX, AND AGAIN IN XX/XX/XXXX TAX-EXEMPTION # XXXX XXXX AND PARCEL # XXXX. HAS BEEN PROVIDED TO THEM AHEAD TIME. SINCERELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( WIFE. XXXX XXXX VETERAN, XXXX XXXX XXXX ... I AM ALSO : XXXX XXXX XXXX XXXX VETERAN '' ACCORDING TO MY MEDICAL RECORDS WITH THE VA REGIONAL OFFICES STATES WHERE I LIVED PREVIOUSLY .... ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 3 ) XXXX ( 4 ) XXXX XXXX XXXX XXXX., AND NOW ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX breach caused inaccurate information on my credit report sent po report XXXX violation of my cra right remove the inaccurate information

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 2017-12-27
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: Information belongs to someone else

Complaint:
XXXX breach caused inaccurate information on my credit report sent po report XXXX violation of my cra right remove the inaccurate information

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