BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: Early Warning Services, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went into regions bank in XXXX Texas to open a new account and was denied based off of a system called Early warning system that gave me no reason. I called them and they are not telling me any information as to how they recieved my private source data without my consent and why are they giving out my private source date without authorization. I have never did any business with this third party and for them to be able to deny a consumer account based off of information that they wont even reveal to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: ERC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX kept the bill and when the debt collection timeline passed, they sold the debt to another collection agency and restarted the debt collection timeline. 

Then, while trying to apply for a mortgage, I settled with ERC ( enhanced recovery company ) for {$390.00} which was less than the original debt, but I was told that I could settle for less than the total debt owed and this would take care of the problem. 

However, after I settled with ERC, they would not provide the correct documentation to show that the debt was settled and I no longer owed any money on that account. 

They would only provide the correct documentation when my mortgage loan officer did a 3 way call with them and informed them that she would be contacting the president of the company to report that they were violating the following law : Here is what the law says : Since they report to at least 1 bureau they must follow FCRA reporting rules and provide non contingent invoice/confirmation of the acct being a zero balance either via snail mail, email, fax upon request. 

Beyond that, the " supervisor '', XXXX XXXX, was incredibly rude, condescending, and seemed to take pride in being difficult and not providing what I needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
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 sent a letter to Chexsystems to clean up information I do not recognize and they refuse to remove anything. I'm being denied access to a new credit union to buy my dream house. Chexsystems is ruining my chances.

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 2019-12-24
Company: EQUIFAX, INC.
State: FL
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 tried to get my credit freeze lifted with Equifax but when they ask me security questions to verify my identity they keep asking me about accounts, credit lines, mortgages etc. that are not mine. I have to answer " none of the above '' to all questions because none of them are related to my credit history, and then I get denied access to my account. I have tried talking to them over the phone as well but no one is willing to help me. So I am unable to lift my credit freeze. Seems like they have mixed up my report with someone else 's but they refuse to help fix this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 challenged the 100 % accurate reporting of this XXXX charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account... ..transunion, XXXX and XXXX are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XX/XX/XXXX, and XX/XX/XXXX but if you look at the 2 year payment history they are also reporting it as XX/XX/XXXX ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the high credit amounts there are 3 different ones being reported between bureaus {$2200.00}, {$0.00}, and XXXX ... all 3 cant be accurate and therefore they are violating my consumer rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello ... I have had a small business account with The Bank of America since XXXX. Since XXXX I make one monthly deposit of all of my checks and the checks are available for use the next day. I have never had a check bounce. I never overdraw my account .... Starting in XX/XX/XXXX and every month thereafter, the bank has been putting a 10 hold on all of my checks. In reading U.S. Code 4002, it appears that the longest a bank can hold a nonlocal check is 4 days. Here is the section of the law that refers to this : " ( 2 ) Availability of funds deposited by nonlocal checks Subject to paragraph ( 3 ) of this subsection, subsections ( a ) ( 2 ), ( d ), and ( e ) of this section, and section 4003 of this title, not more than 4 business days shall intervene between the business day on which funds are deposited in an account at a depository institution by a check drawn on a nonlocal originating depository institution and the business day on which such funds are available for withdrawal. '' When I mentioned this to a manager of BofA she said that their bank policy can hold the checks for as long as they want. The phone call with the bank manager was recorded on XX/XX/XXXX. I spoke to XXXX in the South Carolina office. XXXX said that they did not have to comply. That there could be reasons why a 10 day hold is necessary. When I asked what I did wrong to warrant this, she could only reply with they can do that. There was no willingness to hear that they may be breaking the law. Just that " their policy can allow them to do this. '' Holding my checks for 10 days makes it impossible for me to collect my checks, deposit them and have my workers paid in a timely fashion. Can you please help me with this?

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 2019-12-24
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 submitted a dispute via certified mail ( XX/XX/2019 ) to the 3 credit bureaus to remove my non account holding dealership hard inquiries under the 1681 Fair Credit Reporting Act. XXXX  removed them no problem. However, I called Equifax and XXXX  ( XX/XX/2019 ) and was told that there was nothing i could do to remove them. Even after i explained that i didnt give authorization for the dealerships to run my Equifax credit 32 times and my XXXX credit 52 times. Its affecting my score negatively AND that they didnt verify any of them. I contacted each dealership and finance company and none of them have any of my information. Soo theyre violationg the 1681 Fair Credit Reporting Act as well as falsely validating information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: PA
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. XXXX XXXX XXXX has opened a fraudulent account on my credit profile and it needs to be closed immediately.

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 2021-12-17
Company: Experian Information Solutions Inc.
State: CA
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:
FTC Report # XXXX is a complaint i filed and reported XX/XX/21, about unauthorized use of my credit card/social security card and number. I recently discovered after that on my Experian credit report alone there are more than over XXXX soft unauthorized inquires. I did not authorize these inquiries to be taken out in my name, nor or they related to anything I've did.

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 2021-07-21
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA
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:
remove fraudulent / unauthorized inquires from XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX  on XX/XX/2020 or provide proof in writing within 30 days

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 2022-05-26
Company: EQUIFAX, INC.
State: MI
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 was not satisfied with the result I got from my Equifax report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information removed or have anyone from Equifax contact me about the status of my concern. Here is the incorrect information that I am trying to dispute : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a brand new mortgage. The XXXX XXXX XXXX sold the servicing to Specialized Loan Servicing effective XX/XX/2021. The XXXX mortgage payment correctly went to The XXXX XXXX XXXX. I am receiving multiple calls each day from Specialized Loan Servicing trying to collect the debt that I do not owe them ( or anyone ). On the phone they acknowledge I do not owe them and that they will continue to make the calls. 

I have asked for a letter from Specialized Loan Servicing stating that as of the current date, I do not have any past due amount and they will not comply. I have requested that I be put in touch with someone who has the authority to send that letter and they will not comply. The standard offer has been to have someone contact me in 24-48 hours and that time elapses without any communication aside from more debt collection calls. 

The phone numbers are masked so it will be hard for me to prove how often they are calling but it is very frequent.

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 2023-07-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am emotionally frustrated and disappointed to lodge this formal complaint against the credit reporting agency. Despite my numerous disputes dated XX/XX/2023, XX/XX/2023, and XX/XX/2023, XXXX, Equifax, and XXXX have callously disregarded my previous requests. Their failure to uphold reasonable procedures to ensure the utmost accuracy, as mandated by 15 U.S.C. 1681e ( b ), in the credit reports they publish is deeply disheartening.

According to 15 U.S. Code 1681i, it is clearly stated that XXXX, XXXX, and Equifax are obliged to conclude the investigation within 30 days from the date they received my dispute and provide a response. However, to my immense frustration, I have not received any response, nor have they taken the necessary steps to address the inaccuracies present in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: FinCo Services Inc DBA Current
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/22 XXXX XXXX  charged my account XXXX XXXX this was an unauthorized charge an I made a police report about my wallet n phone being stolen an my account was used thru the app for the bank ..they said they did an investigation but they didn't because I did one my self an XXXX XXXX is an XXXX Bitcoin n no one speaks English but one employee .they denied my claim without investigating .then I also disputed 2 unauthorized charges on XX/XX/22 from XXXX one charge was for XXXX XXXX an another one for XXXX XXXX it's a scam website an they charged my card for 2 different charges an I informed current bank about it too retrieve my funds they denied my claim as they do each an every claim staying that they investigate but they dont

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made a purchase to XXXX XXXX via XXXX XXXX XXXX. Retail Card with deferred interest. I paid the account in full before the 6-month term expired. TD added a late charge of {$37.00} towards the end of the term leaving a {$37.00} balance. I complained several times and they claimed to remove it. They did not, and instead added the compiled deferred interest and now claims that I owe {$370.00} and continue to add late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06
Company: Caliber Home Loans, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Chime Financial Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received an unrequested card in the mail from Chime.com. I contacted the firm using the phone number provided, the information on the automated system requested that I contact them via email. Once in contact with the support department using email, I requested that the company contacted me by phone as I did not want to send anymore identifying information over unsecured email. 

After multiple attempts and great frustration, I have come to what seems like a loop with their automated system, I want to understand what information was supplied to them to create an account in my name, but they will not proceed in a manner that is safe to share such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: VA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12
Company: EQUIFAX, 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:
On XX/XX/2019 a letter was sent to University of XXXX regarding the alleged debt that they saY I owe. I asked for validation of the date as described in my letter. University of XXXX is the ORIGINAL creditor that has reported the erroneous debt as a collection/charge so I would've assumed they could've validated the debt by providing me the original signed copy that I alleged signed and NOT a list of charges. 

The creditor sent a letter dated XX/XX/2019 and stated that the debt was valid and sent me a copy of account history ( a list of charges ). Also on the letter stated that the debt has been referred to an " outside collection agency ''. The problem with this is that it is double jeopardy. University of XXXX is reporting that I have a balance and a past due amount and not XXXX  account balance since they have sold the debt to an outside collection company. This information would be considered inaccurate reporting, since only ONE creditor can report the debt with a balance.

Company response to consumer: Closed with explanation