BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Hello, XXXX : As was announced on XX/XX/XXXX, XXXX  is one of several institutions targeted by a nationwide cyber attack on XXXX XXXX XXXX XXXX ( XXXX  ), a vendor service used for transferring sensitive information. This attack has affected approximately 300 organizations, including universities, government institutions and private companies. In this incident the perpetrators gained access to files and confidential personal information by exploiting a vulnerability in XXXX program. At this time, we believe the stolen information includes but is not limited to names, birth dates, SOCIAL SECURITY NUBMERS and bank account information. The attackers are threatening to publish, or have published, stolen information on the dark web in an attempt to extort organizations and individuals. 

I think not only my social was messed with ( ie. im dead per my social ) and have had my debit card number stolen.

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 2021-04-26
Company: LEXISNEXIS
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 1st letter, and 2nd Letter on XX/XX/2021. I mailed a letter to XXXX, XXXX, and XXXX and Lexis Nexis about the Bankruptcy that's reporting on my Consumer Report about the inaccurate and inconsistencies that's on my Consumer Report. I sent a Demand to Comply and that was my 2nd notice to the bureaus. Today is XX/XX/2021 so that's over 70 days. I don't understand why I haven't received any letters in reference to my Letter. This is unacceptable and against my consumer rights. Since this has been over 30 days and outside of the allowed time for a response and they never put a notice of Dispute on my Consumer Report this Bankruptcy must be removed because of 4 of the Bureaus are in Violation of my Consumer Rights. Please remove/delete this Bankruptcy from my Consumer Profile. It's time to hold these Bureaus responsible for their errors and violations to Consumer Profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Experian Information Solutions 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 sent your company my dispute on XX/XX/XXXX which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

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 2020-09-01
Company: Mr. Cooper Group Inc.
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:
Hello, My complaint is with Mr. Cooper. I owned a property in XXXX XXXX, in which I was approved by Mr. Cooper for a forbearance plan from XX/XX/XXXX to XX/XX/XXXX. I was sent approval documentation stating that I was approved for this forbearance plan ( attached ) and that I did NOT have to pay a mortgage from XX/XX/XXXX - XX/XX/XXXX and I would NOT be marked as delinquent during that time period. Mr. Cooper marked me as " 30 days late '' for not receiving a XX/XX/XXXX payment which dropped my credit score by 100 points! On my credit report Mr. Cooper marked me as " late '' on XX/XX/XXXX which was in the middle of the approved forbearance. I disputed this on XX/XX/XXXX and was told by multiple Mr Cooper representatives I shouldn't of been marked late as they see I was approved for the forbearance plan. It has taken 40+ days to hear back ( they told me it shouldn't take more than 30, but usually resolved in less than 10 days ) and Mr. Cooper sent me a letter stating "  We didn't mark you as late so we will not be contacting the credit bureaus '', however I have a copy of my credit report showing they DID mark me late and it dropped my score 100 points which is horrible!

I'm in the process of refinancing my home but I'm unable to get approved now due to the Mr Cooper inaccuracy and my score dropping 100 points. With rates being at all time lows I don't have the luxury to wait for Mr Cooper as this could make a major impact on my ability to save hundreds of dollars a month over the duration of my loan. Mr. Cooper has been extremely unresponsive and unhelpful throughout this  entire process. 

I have copied my forbearance approval, my credit report showing the inaccurate late payment and Mr Coopers response of not taking accountability for the inaccuracy they levied against me with an incorrect late payment reporting. I'd appreciate your help in this matter, thank you! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent a letter that detailed various inaccurate reported items on my credit report. As of today, XX/XX/XXXX, over 40 days later I have not received a response. Im not sure if my letters were discarded, or if they simply ignored my disputes, but I have not received any reply to my disputes. According to the FCRA Section 611 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove these accounts from my credit report. It has been well over 30 days so they should be deleted immediately. I need these accounts to be deleted promptly, or I will be seeking litigation due to the strain this has placed on my health. Im fearful that these creditors have been using illegal tactics, or that my information was compromised as a result of the XXXX data Breach or some type of Identity theft. Please delete.

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 2019-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I opened up a Bank Account with Bank of America back in 2014. And somehow when I ended up closing my account later. Somehow the Bank ended up saying that I owe them money from a overdraft few! That was something small I can't remember the amount but it was never more than {$60.00} or {$70.00} dollars that needed paying back! So I ended up paying everything back and somehow I ended up on Something called XXXX  XXXX! I even called XXXX  XXXX to have it removed from my Credit report. And Bank Of America and XXXX XXXX told me that it would be removed but it's still showing up on my Credit report and am having hard time opening up a New Checking account. Can someone please look into this matter as soon as possible please? Thank you. And yes I was a victim of Identity theft. And Police report was taken

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/XXXX I sent out a certified letter which was an inquiry letter about items being on my report that are not authorize. they sent me a letter stating that the items were factual and they remained on my report however Im a victim of XXXX breach as well as I sent in a FTC report regarding fraud gave them the report number as well they sent back me A generated letter saying that the items were factual. if Im a victim of XXXX breach an my information is linked as well as Im sending you a report of Unauthorized inquiries on my account and unathurized use of items on my credit how is it factual. Theyve done this to me several times in attempt to removing these inquiries off my account and the items I listed in the attachment. Perfect example XX/XX/XXXX I disputed items once again the same items Ive been disputing in on XX/XX/XXXX that Dispute was completed the same day and I called about XXXX  so how are you looking into the matter if it takes you less than three hours to complete an investigation then send me a report two days later XX/XX/XXXX that the investigation is complete.This shows me that XXXX is failing to be concerned with my credit report as I am and continue to issue generated responses to this serious matter that I believe is very serious on my report. I have fraud alert and security freezes with all 3 credit reporting agencies after this breach with XXXX and the glitch with Transunion Another issue is XXXX  shows they sent them documentation of removal of late payments due to hurricane Irma from XX/XX/XXXX through XX/XX/XXXX the items were removed from all three agencies. A few day after XXXX Transunion and XXXX re-inserted the items again ( without a 5day notice ) now this has been a problem because Im unable to Receive much-needed credit and high interested rates and denied credit do to these bad inaccuracies they are costing me more money by the day and are hindering me the letter the company sent them is also insert it in the attachments.

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 2019-06-07
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I set up arrangements for pay and are making payments and asked to not receive phone calls while doing so because they were interrupting my work day and was told if I refused phone calls they will report that I refused to make payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was recently charged a $ XXXX monthly fee on my checking account. I meet one of the requirements to have the fee waived. The bank is unable to explain why the fee was charged and is unwilling to waive it.

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 2018-07-15
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: Account status incorrect

Complaint:
In a letter dated XX/XX/2018, XXXX XXXX indicated that a collection account they are reporting on my credit for {$510.00} would be removed. The letter stated that this debt " should show removed from your credit histories within 4 to 5 business days. '' As of the date of this complaint, a full 24 days has passed with no change to my credit report with any of the 3 credit bureaus. I have even submitted disputes with the credit agencies to no avail, as the disputes have been closed, affirming the information reported is correct. As per the FCRA, the debt is too old to be reporting on my credit to begin with. Responsibility for this inaccuracy lies not only with XXXX XXXX, but also with the 3 reporting agencies as it is their responsibility to ensure that the information they report is correct. Simply taking XXXX XXXX 's word is not ensuring accuracy. This is causing me a serious hardship as I am attempting to finance a vehicle and will remain unable to do so until this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In a letter dated XX/XX/2018, XXXX XXXX indicated that a collection account they are reporting on my credit for {$510.00} would be removed. The letter stated that this debt " should show removed from your credit histories within 4 to 5 business days. '' As of the date of this complaint, a full 24 days has passed with no change to my credit report with any of the 3 credit bureaus. I have even submitted disputes with the credit agencies to no avail, as the disputes have been closed, affirming the information reported is correct. As per the FCRA, the debt is too old to be reporting on my credit to begin with. Responsibility for this inaccuracy lies not only with XXXX XXXX, but also with the 3 reporting agencies as it is their responsibility to ensure that the information they report is correct. Simply taking XXXX XXXX XXXX word is not ensuring accuracy. This is causing me a serious hardship as I am attempting to finance a vehicle and will remain unable to do so until this issue is resolved.

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 2019-06-07
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: Account information incorrect

Complaint:
I have sent in 3 request for this duplicate account to be removed from my report and Equifax refuses to remove the duplicates of the account and violating my consumer rights I sent a certified letter on XX/XX/XXXX XXXX called XXXX XX/XX/XXXX Online Dispute XX/XX/XXXX The company that is a duplicate is XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Please accept this as a Qualified Written Request for a copy of ; ... '' the note from SunTrust Mortgage to SunTrust Bank executed by SunTrust Mortgage officer XXXX XXXX. This specific note is referenced in the XX/XX/XXXX assignment and under section XXIX ( page 7 & 8 ) of Judge XXXX XXXX order signed on the XXXX day of XX/XX/XXXX. 

Thank you - 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 explanation
Consumer complaint received 2018-07-15
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I had a XXXX XXXX credit card and my limit was decreased. I have never had a high balance, nor did I ever have a late payment on this account. 

I just received notice today that they closed my account, but to continue making payments. My balance is a mere {$200.00}. 

This is completely unfair as now this credit card has decreased my credit score twice now. One for decreasing limit, which is understood, but two closing my account for nothing that I have done wrong is going to affect my score for the worst. 

How is this allowed?

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 2023-01-30
Company: Bread Financial Holdings, 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:
complaint about an unsolicited credit card in my name this card is from the bank Comenity Capital Bank / XXXX XXXX  was requested on XX/XX/XXXX and the card arrived XX/XX/XXXX to my address the amount of the credit is $ XXXXCall the company to report the fraud with the account protection department they canceled the account and reported the fraud They also checked if there was another account under my name but they did not find anything, according to them they had not used the credit line yet, the person who served me suggested this FTC site to report fraud on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07
Company: EQUIFAX, INC.
State: GA
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 contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX  several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : XXXX XXXX XXXX ( XXXX  ) # XXXX  account number. I have even sent copies from XXXX & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: FL
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:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: EQUIFAX, INC.
State: AZ
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:
This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
After changing my direct deposit I tried to do a mobile deposit, I was unable to I called the customer service and was advice that it was because of the type of account that I had and that I could change the account to activate the mobile deposit so I did. The closest branch from me is 10 miles Away I would not be able to get to the branch to deposit my payroll checks causing the account to go overdraft. 
Finally I was able to deposit the check and now they are putting a 14 day hold on the check. 
I deposited the check on Friday XXXX called on Saturday XXXX and was told that they would clear the check on Monday because I deposit the check after XXXX, Monday morning the check was still not cleared so I called and was told that the check would clear on Tuesday because Saturday and Sunday was not a business day. I waited on Tuesday the check was still not cleared so I called again and was told that it had a hold and would not clear until the XXXX I explained that I had no money available to me and that this was XXXX payroll and would not get paid again until the XXXX the banker told me to call on Wednesday and she would release the hold. Today I called spoke to the branch manager XXXX who now told me that he could not take to hold off I have no money XXXX is coming and I dont even have money to buy food to eat for the next 2 weeks until I get paid again let alone get gift for the kids I dont know how this can be legal

Company response to consumer: Closed with explanation