BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-29
Company: MARINER FINANCE, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
We have had several calls for repayment. We ha ve stated that we do not have the money at this time and will not have it anytime soon. The lady from Mariner finance XXXX phone number XXXX XXXX XXXX called my husband and threatened to have our wages garnished if payment wasn't recieved today XX/XX/XXXX. She was very rude and unprofessional. She stated she wasnt worried about the collateral but would get her money one way or another.

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 2021-03-04
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have been using the US Bank credit card for >10 years and earned rewards. Most of the time, I redeem my rewards for airline travel and never experienced any issues. Due to COVID-19 outbreak, I began to redeem my points for 3 pieces of merchandise in which 2 of them arrived within 1 week. The last piece of merchandise ( XXXX XXXX knife set ) was on promotion for XXXX points when I redeemed it. This merchandise never arrived and I began to call and follow-up on it about 2 weeks after XXXX XXXX which was XXXX. XXXXspeaking to XXXX and he said it would be shipped out on XXXX XXXX. By XXXX. XXXX, I still didn't receive it so I call again that day and was told that I should receive it within 30 days because the website listing 30 days. I checked the website and this product was still listed as available but the points went up to XXXX points. On XXXX XXXX, I called again and spoke to XXXX and was told to wait for 6 weeks so I called the next day and spoke to XXXX who placed an order to track it. I called again on XX/XX/XXXX and spoke to XXXX and she said the tracking took 7-10 business days. Finally, I call again today and ask to speak to 2 supervisors, XXXX and XXXX. I finally am told that the product was out of stock so I question XXXX that if this product is out of stock, why does the website still lists it as available? She could not answer. All they will do is to credit my rewards points back and I have to wait the end of next week to get all the points back.After all 6 weeks, I finally am told the truth which should have been communicated to me sooner. What I learn from this experience is that US Bank reward department has no accountability to track the merchandise at all. It should not take them 6 weeks to finally tell me what I had expected. Now that it will take more points to redeem this merchandise and they just do not honor what they had promised to the customer, the easy way out is to lie that the product is out of stock. If this product is actually out of stock, then it should not be listed on the website in the past 6 weeks that I have been waiting. What they did is contradict to what the reality is and I consider this a a fraudulent activity to the customer.

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 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I remember losing my wallet a few years back. I recently was looking to get a house with my husband. The lender told me that I had some accounts on my credit profile that needed attention. They listed a few of them and I do not recognize them at all. On XX/XX/XXXX, I pull my credit to see what they were talking about and come to find that those accounts were not authorized by myself. I contacted the credit bureaus to inform them of the incident and they told me to reach out to the FTC and get a report drafted from them. I have attached the FTC report along with my Driver 's License.

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 2018-09-26
Company: Experian Information Solutions 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:
XXXX has a collection on my file from XX/XX/2012. The account number is XXXX for {$1900.00}. I disputed this item and the bureaus left it on my file. I have now contacted XXXX FIVE TIMES. I gave them the account number from the credit bureau file and all of my personal information. They can not find this account in their system.

How is it possible that the bureau sends a dispute to XXXX and XXXX sends back verification OF that dispute and it remains when XXXX can not locate it with their account number or my social security number? Or do the bureaus even send this dispute to XXXX? Perhaps they just leave all XXXX items on the file without the dispute process?

How is it that a consumer can be held hostage to a collection account that they are unable to pay? Is this like a phantom parking ticket? Or perhaps a loan sharking loan where there is no record of the loan?

CFPB should publish this. How often are consumers ripped of their rights like 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 2021-10-04
Company: Experian Information Solutions 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 filing a complaint against Experian. I have attempted multiple times to dispute 14 late payments that appear on my credit report by XXXX XXXX. In XX/XX/XXXX and XX/XX/XXXX, I submitted dispute letters to Experian with copies of my XXXX and XXXX credit reports, showing the inaccuracies they were reporting. The other 2 bureaus showed exceptional payment history with no late payments for all of the XXXX accounts. 

Experian responded that they information they were reporting was correct. I then responded and asked them to provide the method in which they verified the information, they never responded. I spoke with a representative over the phone and submitted an dispute over the phone and explained the inaccuracies and they again came back that the information was verified accurate. I again requested the method of verification and Experian has deliberately not responded and have not corrected the accounts or mailed me the information I have requested from them as to how they verified the late payments. 

This has been going on for well over a year and Experian has not removed the late payments. How can 2 bureaus report the same information and Experian report something totally different, then refuse to correct what they have reported.

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 2018-09-26
Company: AMERICAN EXPRESS COMPANY
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:
In XX/XX/XXXX we disputed charges on our American Express corporate account. Amex asked us to obtain information from the merchant, which was XXXX, but we informed them that the merchant would not answer our questions because the charges were made with our card but not on our company account. ( See page 1 through 5 of the attachment. ) We assumed the matter was being investigated by Amex but learned in XX/XX/XXXX that Amex had closed the dispute, having done nothing to contact XXXX, and having communicated nothing to us. We asked them for the reason they closed the account. They sent us an email dated XX/XX/XXXX noting " here is the back up of when we closed the case '' but there was in fact zero back up information. ( See page 6 of the attachment. ) We asked them to re-open the dispute, which they did in XX/XX/XXXX. However, it is now XXXX and they continue to say, " give us time, we are trying to contact the merchant '' and so forth. I believe they are simply stalling for time, and unwilling to admit that the information they could have obtained more than 18 months ago is no longer unavailable. ( It doesn't take 3 months to investigate a prior purchase. This is XXXX, with storage capabilities so awesome they are used by the CIA. ) I believe Amex wants my company to " eat '' the disputed charges that they failed to investigate. Moreover, because of this dispute, my company withheld full payment of our bill for many months and thus forfeited valuable Rewards points, which in some instances we had to pay to reinstate and in which in other instances we are told can not be recovered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: TN
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:
collection accounts- In your letter, say its illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. I never received a 1099-1. Remove this information from my consumer reports immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0.00} Late Payment 15 U.S.C 6802 Gramm-Leach-Bliley 15 USC 6802 ( a ) ( a ) Notice requirements Except as otherwise provided in this subchapter , a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

-a court and a credit bureau are nonaffiliated third party institution.

Non personal information means personally identifiable financial information ( address, name, phone number, social security number, credit report information, late payments, student loans, bankruptcy, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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:
My personal information was compromised and the fraudulent inquiries were incurred by someone other then myself so please remove all unverified unauthorized fraudulent inquiries : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I tried contacting the 3 Credit Bureaus requesting a complete payment history of this account for me to review on which the collection was posted. There was definitely an error on their part. The 3 Credit Bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: VA
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 acquired my credit report and asked the credit bureaus to check and make sure that everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited and received my investigation and notice and everything was still the same on accounts ( 1 ) name : XXXX XXXX Account # XXXX ( 2 ) name XXXX XXXX XXXXXXXX Account # XXXX ( XXXX ) name : XXXX  XXXX Account # XXXX The consumer reporting agency which is Experian did not modify or remove anything. 

The date open is not correct, date last active is not correct and the date of last payment is not correct, also the amount owed is not correct on all three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

Experian has violated my 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 explanation
Consumer complaint received 2018-09-26
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Western Union allowed an account to be set up in my name, and funds transferred by a named person in XXXX to another named person in XXXX-neither of them me. I have been on the phone for hours with them and they have been terrible - I had to send the police report several times, and then start again every time I called back - hours of wasted time! Always saying to be patient, they were working on it, and would contact me shortly. 
They NEVER called me back, and after another hour on the phone with their Fraud Department today, they informed me I am not ELIGIBLE to receive my money back! 
The thieves took {$440.00} out of my Checking Account at XXXX XXXX XXXX XXXX on XX/XX/18. I didn't catch the Western Union transfer until a meeting with my accountant in XXXX, so the bank insists I missed their window of opportunity to help with the fraud. Western Union asked that I close my account to avoid further fraud, but I NEVER had an account with them to begin with!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Multiple Equifax agents have refused to open a dispute on an address being reported incorrectly. I asked for the contact information of the creditor reporting the information. I was told by XXXX ( id # : XXXX ) there's no record of the creditor reporting the address. In addition, I was told I need to prove or disapprove the validity of the address in question. I was dismissed when I reminded the agents of the law requiring the agency to investigate and come to a resolution with 30 days. 

Also, Equifax has made it impossible for me to access my credit file online or phone and extremely difficult via phone. I do not have this issue with the two other agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XXXX Ocwen Loan Servicing contacted me to offer a Home Affordable Loan modification under the government program, They represented the loan would extend the term, lower the interest rate and reduce some principle. After receiving the loan modification there was no extension of the term. I was informed that the modified loan would prevent me from refinancing for 1-3 years, but I could apply for additional loan modifications to restore the original offer of extending the term which was the MOST important modification that I needed and asked for. 

I applied 4 times only to be denied each time. This is the first attempt for Ocwen to prevent me from refinancing. 

I was notified in XXXX that the loan was due and payable in full on XX/XX/XXXX and no partial payment would be accepted, so I started conversations with lenders to refinance the loan. Ocwen then contacted me in XXXX of XXXX notifying me that the next payment for XX/XX/XXXX was due. I paid the XXXX payment and it was cashed and posted to my account. 

Ocwen then notified me that the XX/XX/XXXX payment was due and I made that payment on time also. Ocwen then returned the XXXX payment and marked my account past due. Ocwen repeated these steps of notifying me that payments were due for XXXX, XXXX and XXXX of XXXX and then returning ALL on those on time payments that were made. I made all the payments because Ocwen sent statements asking for payments and I did not want to have any late marks on my credit. 

Ocwen proceeded to mark and report my account 60, and 90 days past to all the credit reporting agencies, XXXX, XXXX and XXXX. even though there was no 30 day past due reported. This effectively prevented me from refinancing the loan a Second Time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Siggi LLC
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: Reporting company used your report improperly

Complaint:
As per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given to the following companies Written & Unwritten, verbal and non verbal per 15 USC 6802. 

XXXX XXXX XXXX XXXX, 2016 Omni Military Loans

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: SYNCHRONY FINANCIAL
State: TX
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:
XXXX XXXX ( XXXX XXXX XXXX Store Credit Card ) ending in XXXX. I received a late notice from XXXX XXXX  saying that I was late and the company also assessed a late charge of {$38.00} to the account for the month of XX/XX/XXXX. The account is interest-free until XXXX and with a minimum payment of {$68.00}. However, on XX/XX/XXXX, I made a payment to the account for {$100.00} to was meant for XX/XX/XXXX. A called the bank on XX/XX/XXXX, to correct the payment and to have the payment applied to the XXXX month. I was told the payment had already applied to the principle and as such the payment could not be moved or credited to the right month of XX/XX/XXXX. 

This a scare tactic that the bank has employed to frustrate customer into paying off the account since they know they are not earning any interest. I was actually told that " they could not help me ''. In order to prevent any negative marks on my credit, I made a payment of {$68.00} on XX/XX/XXXX. With the payment, they received two payments from XX/XX/XXXX. 

I believe the bank is discriminatory towards customer they are not making interest payment off. I think the bank is out to frustrate customer with these accounts into paying off the account early through harassment and servicing frustrations. XXXX XXXX   needs to be held accountable for such acts as they are making other financial service companies look bad.

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 2018-03-08
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
Bank tells me my CD was redeemed in 2001, but refuses to give me any other info such as " by who '', " where '', " exact date ''. I have never redeemed this CD. This comes after the bank telling me they couldn't find any info on my account, even after, what they call, an extensive search. After my first complaint, they suddenly found info on it, but only stated it was redeemed in 2001. Any and all info on MY account should be turned over to me. I am the account holder. I keep getting told to visit local branch for more info, but the local branch keeps telling me they have no more info to give.

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 2023-05-11
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know who IC System is, claiming XXXX and a debt of {$120.00}. 
I have not had a XXXX account since XXXX and, as this is XX/XX/XXXX, this claim was opened in XX/XX/XXXX, does not appear on my last full report dated XX/XX/XXXX. This is likely fraud and should be removed one way or the other.

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 2023-05-24
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: Public record information inaccurate

Complaint:
the bankruptcy should have never been report since the courthouse dont report bankruptcy

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