BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-09-16
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have student loans handled by Ed Financial Services. On XX/XX/2022 I called customer support to get my payment towards my loan made in XXXX of XXXX refunded. I was told I would receive a refund sent to the original payment method within XXXX days. After XXXX days and no refund, I called again, and I was told that there is no estimated timeline for my refund and that I will most likely not receive it before the forgiveness application window in XXXX. I asked to speak to a supervisor to discuss the issue, and I was told that there was no one available for me to talk to. They will not give me any more information of than that I will likely not receive it for XXXX or more months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-09-14
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2020 someone without my authorization ran my credit to obtain an auto loan and I tried calling XXXX  to fix this and they would not help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Regions Bank is charging on my personal and business accounts multiple times fees, the first is fees for overdraft payment and then a couple of days to a week later will return these payments they authorized and charged these fees to, not returning the fee also, but when they return the payment they charge a return payment fee, This is wrong as for each transaction they are making {$72.00} in full and should only be making {$36.00}. They also ignored a letter from my law firm on this. Also, on my business accounts, they promised if I went through their merchant processor they would not charge me a monthly fee for my XXXX Account. I agreed and signed up with their merchant XXXX XXXX, who had all the information, on the application, but canceled after running my credit and approving me for multiple accounts and making compliance a mess, and trying to force me to pay fees for a service they are supposed to provide by law and have charged me big fees, on one of my accounts, up till cancelation, but also Regions never waved their fees as promised. XXXX shortly after issuing the accounts ended up closing all the accounts because on one of my companies sites and only one that site I offer credit repair and they say they can not process for any company that offers this even if the credit repair service would never be charged through the merchant account, and XXXX did not just close the accounts per that one company but all accounts for all companies. This also would constitute Identity fraud as this was known before the credit reports were run, and from the start. Also, regions have looked at my credit several times when trying to get a line of credit for my XXXX and always denys because my student loan balance is what it is and I am not having to make payments because of still being a student for 2 to 3 more years.

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 2022-12-30
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
i never opened this acct it was fraud idenity theft and its affecting my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: WEICHERT FINANCIAL SERVICES
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I came out of 3 months FORBEARANCE and wanted to refi MORTAGE at XXXX to XXXX with the amount I owned on my condo with Weichert Financial. They sent me letters that stated that they would help. Went thru channels to refi, I have excellent credit no issues they claimed the same thing. But they also stated I must pay All the arrears amount of both houses I own, one is a condo and the other is 2 family house. I took at a loan to pay ALL my Debt. And payed everything thru my bank XXXX XXXX. Continue the process with no issues. I was now current and out of FORBEARANCE. They also charged me {$500.00}. to get a Appraisal witch I paid. My Weichert Financial processor told me it would be a 3 weeks turn around and it was in underwriting for final approval! After numerous calls and emails Ive notice I had to XX/XX/20. I finally Received a email advising me my debt ratio was too high!! And wouldnt process the refi and denied me at the final moment! They had what I made, saving, XXXX and investment amounts and rental amounts. Had ample!! This is total wrong and unjust! It appears it was all a scam to get the money I owe them with no resolution or help Ive been a good paying customer for 10 years!! I feel they should of help they didnt!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-16
Company: AMERICAN EXPRESS COMPANY
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 have an American Express Blue Preferred credit card. When it recently renewed, I was charged the {$95.00} annual fee. I am never late with payments and never incur any finance charges ; however, I incurred a modest interest fee last month because the annual fee is treated as a cash advance and begins accruing interest when it is posted to the account. There is no possible way to avoid the assessment. 

I lodged an inquiry with American Express and they have since credited the interest back to me ; however, this policy strikes me as unfair, though probably very profitable for American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I had signed up for Transunion and when I wanted to cancel their website only provided a number to call. 

I have a XXXX XXXX  where I dont like being on calls with people. I did some research and I found people talking about their experience and how they were pressured into staying on a discount. All of this made me more XXXX  about calling to cancel. 

I then found on XXXX a link to cancel online. I was able to cancel online. 

I find it ridiculous that they have the capabilities to cancel online but they hide it and dont make it available to find on their site. I shouldnt have to use XXXX to find these things

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 2023-03-15
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DIDN'T AUTHORIZE THESE INQUIRES. 

XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Automobile Dealers, New ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, 2019 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX : XXXX. XXXX, 2019 XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft. I disputed accounts with Equifax, XXXX, and XXXX. They have not preformed an investigation to validate the accounts. I also sent the credit bureaus a letter from the creditor stating that they did not report the fraudulent information to the credit bureau. Please assist me with this issue. This account is harming me from finding a home for me and my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never received any notice from National Credit Systems regarding this debt. On XX/XX/2020 I sent them a request for a " VALIDATION OF DEBT '' letter ( copies attached ) and they received the item on XX/XX/2020. ( tracking info attached ) and to date have received nothing from this company. They continue to report this item on all 3 of my credit reports. Under the FDCRA while this item is being disputed it either needs to be removed or marked in Dispute.

This business currently has nearly 2627 complaints and going up, filed with the Consumer Financial Protection Bureau ( or CFPB ) and roughly 415 with the XXXX XXXX XXXX. Many complaints are about inaccurate reporting and/or lack of response to debt verification requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I am submitting this complaint on behalf of my XXXX XXXX XXXX mother, of whom I am POA and Trustee of her accounts. Currently she has a Capital One XXXX which pays for XXXX specific and regular monthly expenses - Medications and a storage unit for $ XXXX. 
CaptialOne bank double-charged my mother 's XXXX Bank checking account through auto-payment on XXXX XXXX, XXXX. Rather than XXXX monthly charge of {$80.00} for a storage unit, her account was charged ( also by auto-payment ) an additional {$80.00} fee, creating an overage of {$80.00} to her account. 
As her POA and Trustee, I attempted to speak with CapitalOne personnel by phone more than once. I filed a paper form with CaptialOne detailing the dates and discrepancy and sent it by FAX XXXX XXXX, XXXX at their request. All responses from Capital One have led to no resolution. 
There is still an outstanding {$80.00} over-charge by CapitalOne, as evidenced by the attached downloaded CapitalOne transactions via the CapitalOne website, downloaded XXXX/XXXX/XXXX. However, I checked her account balance online today - XXXX CapitalOne shows the current balance of zero. The downloaded transactions show a clear {$80.00} credit owed to my Mother 's trust account. The company has not provided a charge to resolve the double credit regardless of multiple attempts at communication. The balance reported by CapitalOne does not agree with the downloaded transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX congress gave you the right to report information on consumer but in that law it Also states that you must report correct information At XXXX  % accurate information. Something you are not doing you sit on your XXXX all day and push code back and forth to the credit bureaus with out verification of anything. The reason I know XXXX review your Response dated XX/XX/XXXX you certified that the closing date was reporting accurately which is a XXXXXXXX XXXX and XXXX removed it. This also brings up another violation of the FCRA you shall not XXXX to the credit agencies what the XXXX are you doing! 
XXXX next to the last statement of your letter also dont you be telling to contact The credit bureaus when I dispute because again you will be sitting on your XXXX pushing button again not verifying anything you are the source and I will be contacting you. By now you know who the XXXX sent this reframe from mailing XXXX CFPB have an awesome portal state your claim there please!!!!!! Look at the close date on XXXX  and you XXXX  about that mm mm mm you XXXX XXXX  you!

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 2021-03-05
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:
I have noticed I have many instances of misinformation reported about me, either the misinformation stems from inaccurate reporting, incomplete reporting, reporting of unverifiable information, reporting of invalid information, fraudulent reporting of information or reporting of information I believe is due to identity theft.I have no knowledge of how the misinformation stemming from the above came about to be.I have not authorized misuse of my personal, financial, or any information.I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. Please physically verify the validity of any and all notations, every date, the balances and calculations, each accounting record, whether reported or not to include required metro 2 426-character P6 statement, 5 part personal identifiers and all alpha numeric and/or alphanumeric source codes and delete/block permanently the reporting of any. XXXX is reporting me late on my Student loan ( ACCT # XXXX ) stating they have checked with the Department of Education ( without proof ) and they have confirmed that I was supposed to be late on XX/XX/2018. This is inaccurate information being reported on my credit report because when I could not pay my student loan bill, I have always asked for time to pay and I was always granted that time by DEPT OF EDUCATION/XXXX. As for XXXX, They have not provided me with how they ran their investigation. They just sent me documentation stating it was verified and so was equifax. HOW? So i went on and file a complaint with the FTC for some of the items I was not familiar with for I believe someone might have obtained my personal Information and has been destroying my credit as if I did not already have issues with these credit bureaus being passive with my financial livelihood. My next step, is to file a complaint with the Attorney General 's office if they do not remove these ERRONEOUS information off my credit report. EQUIFAX has 2 inquiries they are stating to have been investigating with this as unsatisfactory result, and I'll quote : " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY FOR ACCT # XXXX XXXX, AND XXXX XXXX XXXX XXXX. I have not authorized anyone to go search for a mortgage on my behalf for I am educated and understand that my credit score isn't where it needs to be in order for me to purchase a home. AGAIN, I have never authorized any loan officer or lender to pull my credit at least to my knowledge. I am not shopping for house at this very moment or earlier either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have in the last 2 years dispute this account and collection on my credit report. This account does not belong to me and I have called, fax them my true identity and this company refuses to delete it from my credit report. I get harrassing phone calls on a daily basis and I even get threats from them. I can't take this no more of the calls, threats and harassment when this account is done fraudulent and its the results of identity theft. 

{$470.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
State: MN
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:
XXXX congress gave you the right to report information on consumer but in that law it Also states that you must report correct information AXXXX XXXX XXXX accurate information. Something you are not doing you sit on your XXXX all day and push code back and forth to the credit bureaus with out verification of anything. The reason I know XXXX review your Response dated XX/XX/XXXX you certified that the closing date was reporting accurately which is a XXXXXXXX XXXX and XXXX  removed it. This also brings up another violation of the FCRA you shall not XXXX  to the credit agencies what the XXXX are you doing! 
XXXX next to the last statement of your letter also dont you be telling to contact The credit bureaus when I dispute because again you will be sitting on your XXXX pushing button again not verifying anything you are the source and I will be contacting you. By now you know who the XXXX sent this reframe from mailing XXXX CFPB have an awesome portal state your claim there please!!!!!! Look at the close date on XXXX and you lied about that mm mm mm you XXXX XXXX you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-03-09
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recieved forcolsure notices on XXXX from Amerihome and the foreclosure process was set out to start on XXXX but we sold our house and paid off AmeriHome on XX/XX/2020. 
AmeriHome is reporting on our credit report that we have a foreclosure and it is prohibiting us from buying a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting a debt on my credit file that I do not owe. I paid the total debt off. Last I checked I had no remainder balance. I did not receive phone calls, letters or any notification of any remaining balance. They are in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation