BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-28
Company: EQUIFAX, INC.
State: MA
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: Didn't receive services that were advertised

Complaint:
Hello, I am writing to share my experience with Equifax since they announced the breach of millions of consumer 's personal information. Equifax established a partnership with a company called TrustedID. The websites for Equifax and TrustedID are constantly down. The TrustedID website looks like a high school student designed it, which does not instill confidence and looks like the company is putting zero effort into resolving this for consumers. 

Today, I received a text message from Equifax/ TrustedID saying their was an issue on my credit report and I should call the number provided. I have been on hold for 45 minutes with no indication as to when my call will be answered. The website provides no information as to what is going on. 

I know numerous people who are affected by this but who wo n't file a complaint. Please know that Equifax 's entire response to this breach has been pathetic and all consequences have fallen to the consumers they let down. They are providing a year of identity theft protection for a lifetime problem, and to make matters worse, they used a program that is not easy to use, never loads, and with a phone number no one answers. 

Please hold them accountable. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a discover card. Around XX/XX/20 my account was closed for no reason. I called, they said, I need to sign off authorization to get my taxes file for the last two years. Which I did right away on the same date. Is almost two months my credit card is still closed without any reasonable thought while my account is closed. Please while did they chose around corona virus to abuse me like this? When I needed the card the most they took it from me causing me a lot of emotional pain

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Around XXXX I made a dispute through equifax on their website. I have been waiting over a month for my results to come in. So one day I check online to see my status again and it still states that is was n't completed so I call their customer service to see what 's going on. I call customer service and they lady ask my dispute number and I tell her it then she states that ALL my disputes came back verified when several came off of my XXXX and XXXX. Then I ask her why was n't I notified about my completion and she did n't have and answer. I feel as if either I was lied to or they do n't have their business organized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Lending Club Corp
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:
I gave XXXX my schedule of creditors per my bankruptcy in XXXX/XXXX  2018 and an entry, Lending Club Corp., was corrected to show that it was indeed included in bankruptcy. Per a dispute a credit repair company submitted on my behalf, XXXX changed it yesterday, incorrectly, to a charge-off, with a late payment date as this month- contrary to my court-ordered discharge! I tried to submit online to XXXX, it would not let me. Please review the attached court documents and the excerpt from my XXXX credit report showing it correctly in XXXX with the second page from yesterday changed incorrectly to my detriment to a late payment. Please assist!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXXwo fraudulent accounts were being reported on my credit as having a balance due with XXXX XXXX. i disputed the items with all credit bureaus including transunion. the accounts in contest were deleted from my transunion report on XX/XX/21 after investigation. 
the items have now been reinserted which is a violation of the FCRA. the amounts of the accounts are for {$3300.00}, and {$11000.00}. all documentation has been provided to transunion, and to XXXX XXXX through transunion.

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 2022-04-28
Company: SECURITY FINANCE CORP
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Yes Im trying to file a complaint about this company I had gotten XXXX to remove an account off my credit report and they block this account Security finance really reinsert the account back on my credit report that a violation of the FCRA occurred without proper notification to me of the reinsertion. I didnt get any written notice about this account being place back on my credit report under the FCRA they must inform me that this account will be place back on my credit. And I havent gotten nothing from them by mail not only didnt I receive Anything but they put the last reporting date on my credit file as in it was reported the same day that they put the account back on my credit report under the FCRA once an account is closed its against the law to still be reporting on my credit report so please remove this account from my credit report because its is against the law to reinsert an account back on my credit report without notify me and its against the law to update and change the last reporting date to XXXX XXXX, XXXX  when that is wrong and this account is closed by law you suppose to inform me about 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 2022-04-28
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with fair credit reporting act XXXX account # XXXX, has violated my rights act.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment under an open end consumer credit plan as late for any purpose

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 2017-09-28
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, In XXXX 2017, I received an email from a group called XXXX XXXX saying they were a third party servicer that worked with MOHELA to pay off my loan. About a month later, I received a call from MOHELA again asking why I had n't made a payment, I told them I had been and was confused why they had n't received my {$100.00} a month I had been paying and we discussed lowering my bill to {$50.00} a month, but it never applied and XXXX XXXX continued to take the {$100.00} a month out. A few days ago, I get an email from XXXX XXXX saying I 'm past due. So I immediately called MOHELA and told them what was happening and they informed me that this third party is scamming me and taking my money. I 've paid them {$700.00}, and they are withdrawing another {$100.00} on XXXX XXXX, yet I 'm past due on my actual student loan because they are just keeping my money. Is there any way to get my money back? Or can I apply it to my actual loan? Luckily, it has n't started hurting my credit but it 's very close. 
Thank you for your time, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company keeps reaging the account on my credit report. 
Please remove convergent isnt bonded to collect in Texas

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 2017-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Bank of America is not solving my problem, from last one week I am trying to file a fraudulent claim of {$410.00} which was charged on my card ending in XXXX on XX/XX/XXXX, I spoke with three different supervisors ( one was XXXX ) and with two others on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectiely. XXXX told me that this claim was filed, but it was never filed. Bank of America has very unprofessional, unfriendly staff. One supervisor says something and the other one says something else. 

Please solve my problem and ask Bank of America to give me a credit of the charge I never made. 

thanks

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 2022-04-28
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I noticed a new collections account had been added to my credit report. Southwest Credit Systems is stating that I opened an account with XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Both accounts are fraudulent. This company is also changing the amount due so is currently reporting twice on my credit report. 
My apartment complex currently has an contract with XXXX XXXX XXXX for Internet and TV that I've been using since my lease renewed back in XX/XX/XXXX. So this account and information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have received several call from the credit acceptance company saying we understand that there is a covid 19 but you still owe money so how are you going to pay. I explained someone told me that the natural disaster would be applied but I still keep receiving harrassing phone calls, I am curious as to how they do not have a strategy to help me out considering all the people affected by covid 19. I do want to pay my vehicle but I am struggling getting a job and the safety concern and XXXX do not help all lives matter and this company is confusing me with their contracdicting statements first I was told my vehicle would not be repossed and now they are telling me, REGARDLESS of the situation I owe money and there is a possiblity. I need to know know what is happening so a attorney can help me out. This is by far the most contracdicting statement I have heard from the call center of credit acceptance that keeps calling me. Please help I am sure I am not the only individual that this company is doing this to. Also when I finance the car I had a credit score of XXXX, I checked all three and can not find a credit score of XXXX that this company keeps stating that is how they financed the vehilce at almost 30 percent finance charge. And have failed to provide the credit score that helped them with that decision.

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 2017-12-29
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont know where this debt is from, my father has the same name??

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 2022-04-28
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my consumer reports. The Credit Bureaus have stated that my account was properly investigated and verified on several occasions ; but how is this possible if the Account Status, Date Opened, No of Months ( Term ), Last Reported, Date Last Active, Date of Last Payment, and Payment History are not accurate? This is grounds for deletion / removal under the following : 15 U.S.C 1681 602 [ 15 U.S.C 1681 ( a ) ( 4 ) ] 623 [ 15 U.S.C. 1681s-2 ] 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] See attached and have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
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:
I am a victim of identity theft and have had a fraud alert on my credit report and a security freeze. I do not understand why I have inquiries from companies that I never applied iwth or gave permission to pull my credit reports The companies I have not authorized are 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, I HAVE FILED A FEW POLICE REPORTS AND A FTC REPORT VIA FTC REPORT NUMBER XXXX. I have attached police report confirmation to this complaint.THE REPORTS DETAIL EACH NEW ACT OF FRAUD ON 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 2022-01-05
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Before XX/XX/2021, I clear my account balanced to XXXX. 
In late XX/XX/2021, Citi paid me {$3.00} interest. 
On XX/XX/2021, Citi charged me a {$4.00} bank fee ( Never charged before ) And then Citi charged me a {$34.00} overdraft fee. 
That is super nonsense : Bank added a few funds and charged me the fee to cause an overdraft and then ask me to pay for the overdraft fee. I am not even the one who cause overdraft here! 
Citi told me I can not get the refund because of their {$35.00} refund per account threshold. 
This is also a nonsense rule!

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 2022-04-28
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Yes Im trying to file a complaint about this Equifax to remove an account off my credit report which is XXXX XXXX this account was removed XX/XX/2022 XXXX XXXX  really reinsert the account back on my credit report that a violation of the FCRA occurred without proper notification to me of the reinsertion. I didnt get any written notice about this account being place back on my credit report under the FCRA they must inform me that this account will be place back on my credit. And I havent gotten nothing from them by mail not only didnt I receive Anything but they put the last reporting date on my credit file as if it was reported the same day that they put the account back on my credit report under the FCRA once an account is closed its against the law to still be reporting on my credit report so please remove this account from my credit report because its is against the law to reinsert an account back on my credit report without notify me and its against the law to update and change the last reporting date to XX/XX/2022 when that is wrong and this account is closed by law you suppose to inform me about this matter this account was blocked from my credit report if Equifax cant send me any proof that this account has the right to be on my credit report without reasonable doubt I will file a lawsuit against Equifax information service under the FCRA once and account has been removed it doesnt suppose to be reinsert Equifax yall has violated my right I havent gotten any thing in the mAil from yall company about this account being reinsert Im gone give yall 15 days to correct this account by removing it from my credit report if not I will be filing a lawsuit against you Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Convergent Resources, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is trying to collect a debt for XXXX and I have no business with neither one of them nor have I ever. 

Ive requested proof of this debt and rep told me she do n't have to provide it ; Ive never used XXXX before in my life!

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 2017-07-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I receive wires into my account that are missing funds. The missing amount varies and there is no line item on my bank statement to account for it. I asked Citibank and they responded saying it is a valid fee due to intermediary bank fees. If it is a valid fee where is the transparency? How can I know when they will take these intermediary fees and how much they will be for? And how can I account for them when there is no line-item on my bank statement? Please show me proof of how you can literally debit money from an incoming wire with zero transparency. Where is this in my terms and conditions?

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 2022-04-28
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX  XXXX inquries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  inquries XX/XX/XXXX XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XX/XX/XXXX have contacted company with no results

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 2020-02-24
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I underwent hard financial times and was constantly harassed by this company, after I repeatedly told them I felt like I was being harassed I was still being contacted. I've had to stop block over 10 numbers to stop the harassment. I can not give specific dates because it felt like it was occurring every day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24
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: Investigation took more than 30 days

Complaint:
Equifax has failed to respond in a timely manner to my dispute letters of XX/XX/2019 and XX/XX/2019, deposited with the U.S. Postal Service on those date. Federal law requires them to respond within thirty ( 30 ) days, yet they have failed to respond to both of my letters. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the FTC should they continue in their non-compliance. I further remind them that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation