BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: SC
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:
So I sent a letter ( s ) off on XXXX XXXX XXXX Here is my tracking # XXXX # XXXX # XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Earm LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Phone number XXXX ( XXXX ) XXXX Message left This is XXXX XXXX. I'm calling you today directly with the investigations unit over at MAC. Weve received correspondence from a financial institution and we are prepared to file a civil suit against you. Several attempts have been made to contact you via mail and other collection efforts and you have failed to comply. We do understand that this is a verified number for you and we will file the paperwork if we do not hear from you within 24 hours of receiving this message. To reach me directly you can contact me at XXXX. Ill repeat that, XXXX I do wish you the best of luck

Company response to consumer: Untimely response
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX checked my credit report and I noticed some fraudulent and inaccurate accounts on my credit report I then proceeded to reach out to the credit reporting agencies to remedy the situation but they would not help me correct these fraudulent and inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: DISCOVER BANK
State: GA
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:
I am an elderly and XXXX citizen. I inquired about a medical bed on XX/XX/2019 with XXXX XXXX XXXX XXXX, XXXX Ohio XXXX a order was taken and placed on the Discover card the agreement was to deliver the bed within 10days. Due to medical conditions, 10 days passed and I inquired about the purchase on XXXX XXXX. The bed was not shipped and I canceled the order started another search for a bed. As of XXXX XXXX the bed " NEVER '' arrived and my Discover card was charged. I submitted several disputes and Discover refuses to reverse the charge. I pulled the tracking of the bed and it showed the bed was never delivered to my home just a in route status as of XXXX XXXX. The courier listed on the tracking number said the bed was delivered to another location not my home address. I am now being charged for an item that I didn't receive and I canceled the order on XX/XX/XXXX. Discover has turned me in to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: NEW YORK COMMUNITY BANCORP INC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today, XXXX XXXX, I have spent almost an hour today trying to find out where our {$30000.00} overpayment is. I have spoken to three different agents via chat ( XXXX, XXXX and XXXX ) plus an agent at XXXX XXXX. 

Here is what happened : At approximately XXXX on XXXX XXXX, I requested the payoff for our loan. We only owed {$270.00}, XXXX ( approx. ). Up to that point we had paid the following : XXXX XXXX : {$30000.00} XXXX XXXX : {$30000.00} XXXX XXXX : {$30000.00} XXXX XXXX : {$30000.00} Total : {$120000.00} XXXX XXXX : {$50000.00} XXXX XXXX : {$50000.00} XXXX XXXX : {$50000.00} Total : {$150000.00} Grand Total : {$270000.00} We received the payoff amount ( approx. {$2200.00} ) and wired the money that morning. 

However, another {$30000.00} payment was made.either by me or by Flagstar pulling the funds ( possibly unauthorized ) on XXXX XXXX. I can't tell from either bank what happened. Either way, we overpaid by {$30000.00}. When I called on XXXX XXXX, a XXXX XXXX case ( # XXXX ) was opened. On XXXX XXXX I received an email from Flagstar telling me that the case was closed.with no mention on how it was closed. I went into the loan information and saw Reversal in regards to the {$30000.00} overage. 

I then called XXXX XXXX and spoke to XXXX, where the money should have been re-deposited and there have been no pending transactions. XXXX XXXX apparently thought the reversal was a request for payment and told Flagstar that there were 'no sufficient funds ' ( NSF ). Of course there were NSF because the {$30000.00} had already been pulled by Flagstar. 

I then called Flagstar back and was asked to provide a bank statement PROVING that the money had been removed from the XXXX XXXX account! Even Flagstar 's own Transaction Activity shows that the {$30000.00} was posted to the mortgage loan and was 'unapplied '. 

Their account activity ( which I have ) also shows that a grand total of approx. {$300000.00} was paid. So this shows that they actually had the overpayment of {$30000.00}. I don't know why I had to prove that the money was removed from XXXX XXXX. 

I have read other reviews of this company and how it takes months to get money returned to people.

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 2023-03-16
Company: EQUIFAX, INC.
State: GA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : ) XXXX Balance : {$68.00} ( Original Creditor : ) XXXX Balance : {$120.00} ( Original Creditor : ) XXXX Balance : {$77.00} ( Original Creditor : ) XXXX Balance : {$1600.00} 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 explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is an account that XXXX, TransUnion, and XXXX claim false information and this has violated my rights by law by not removing after the proof was given and it has been disputed 3 times with them and also came to CFPBs for the 2nd time now. And by law there's 3 reasons this needs be removed, not NOT considered CLOSED ( IT WASNT OPENED BY ME ) 1st of all a fraud alert And an investigation was apparently done by the government, 2nd of all the dates are completely wrong, And dollar amounts have changed multiple times, and my personal info has been fraudulently used, 3rd of all it should have been completely deleted 2 months ago like all the proof says, even if I was aware and it was my account ( which its NOT ), and this still hasn't happened. Now that I have everything cleared up on my report and you don't want to take care of it and protect me as an honest civilian, the next step will be getting an attorney and I will persecute at a federal level. Please do your jobs there at CFPB XXXX, XXXX, and TransUnion so I don't have to waste another minute and stress over something that is beyond my control, that I've tried to handle for the 5th time now! I am not allowed to sign a mortgage on our 1st home for my daughter 's and I at XXXX XXXX XXXX until this is removed, and weve been patiently waiting for over 2 months now!!! Have a blessed week!

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 2021-12-27
Company: Experian Information Solutions Inc.
State: LA
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:
inaccuracies on my report that need to be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian, XXXX, and XXXX  refuse to update my credit file by removing an inaccurate listing reported by XXXX XXXX XXXX. I requested an investigation from Experian, XXXX, and XXXX  to have them remove the account due to inaccuracy. All three agencies ( XXXX, Experian, and XXXX ) stated that they verified the information being reported as " accurate '' and no changes were made to my reports. 

XXXX XXXX XXXX which is the account administrator for XXXX XXXX XXXX informed me via USPS mail that, " NO ACCOUNT EXISTS IN OUR SYSTEM OF RECORD FOR XXXX XXXX. '' Therefore, this collection account is VOID and needs to be REMOVED IMMEDIATELY from my XXXX, Experian, and XXXX credit files. 

Attachments have been added to this complaint to substantiate my claim : 1 ) A screenshot from my credit report showing the account as XXXX XXXX XXXX with the XXXX XXXX XXXX address 2 ) A screenshot from the XXXX website showing XXXX XXXX XXXX as their account administrator 3 ) A copy of the letter I mailed to XXXX / XXXX XXXX XXXX to settle the debt 4 ) A copy of the letter I received from XXXX  on behalf of XXXX XXXX XXXX stating that an account for XXXX XXXX DOES NOT EXIST.

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 2021-10-06
Company: LEXISNEXIS
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:
On XX/XX/XXXX I mailed a letter via USPS to Lexis Nexis who is located in XXXX, GA disputing the bankruptcies that are listed on my credit report and also Lexis Nexis report. See the letter attached in the file below. On XX/XX/XXXX, I received a letter from Lexis Nexis stating that the bankruptcy case # XXXX have been removed from my Lexis Nexis report as they were unable to verify the accuracy of the bankruptcy they have listed. Also bankruptcy case # XXXX was also removed from the verified reports. I have attached all letters responding to all of the conversations. I have then proceed to call Lexis Nexis AGAIN in regards to the bankruptcies not removed from my unverified report. Lexis Nexis stated to me that they had 45-60 days to investigate my dispute via company policy. As of XX/XX/XXXX, I was notified that the dispute came back as verified. Verified through where? Lexis Nexis will not state the source of the investigation. According to their own company policy they have 45-60 days to investigate the dispute, which would mean by XX/XX/XXXX would be the deadline to receive a response NOT XX/XX/XXXX. I was told that if the item is not verified by the 45-60 day timeframe it would be deleted. Lexis Nexis refuses to delete this item off of my report. They now state that they have an additional 45-60 days to investigate again. WHAT? We are already past the deadline they have via their company policy. This item is to be deleted. The courthouse does NOT release public information to 3rd party companies and Lexis Nexis can not verify this through their " source '' without my full social security number which the courthouse does not have nor any other source including XXXX. According to XXXX XXXX website they do not have full social security numbers listed anywhere in or on their website and the courthouse does NOT RELEASE information to 3rd party companies which would include Lexis Nexis. How is this item being verified? It's not. It's unverifiable and needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter with respect to incorrect and obscure things on my credit report. Right up 'til today, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Section 611 ( a ), It expresses that inability to research these things inside 30 days gives motivation to promptly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased instantly. I request that these records be erased promptly or I will petition for suit because of the pressure you have caused me. My data was additionally affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: GA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$74000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5200.00} ; XXXX XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$71000.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I was signed up for that Experian trial credit repair thing after the first time logging on I realized it doesn't do anything for me and was completely useless so I tried to cancel my membership said it was canceled next month they charge me for it and they have continued to charge me every month since it took me over five months to be able to get through to a human and when I finally get through to the human they told me there is absolutely nothing they can do they will not refund it even though I do not access it. They did show that somebody access to my account on XX/XX/XXXX but not from my location so my account was hacked therefore they are pretending I was the one who accessed it I even received an email saying my account has been accessed from the last day this happened. So when I finally do talk to customer service they tell me they don't do refunds I asked to speak to the supervisor or manager at the very beginning of the conversation the customer service representative refused to transfer the call to who I was asking for. Explain to me how I have had my identity stolen and somebody else has all my information and how I have file police reports on this already and the guys response was " well that shouldn't be true '' so I got upset he called me A liar and asked for the 5th time to be transferred to the supervisor. He finally responds with " thanks for your behavior '' and transfers me. The supervisor answers the phone with the tone in his voice and he's automatically not interested in speaking to me nor willing to help I explain to him how I've been asking to speak to him since the beginning of the phone conversation but the other representative refused to transfer my call. To which they were supervisor respond very on interested he still with OK well will make a report and there's nothing we can do to refund you. Thanks have A nice day '' then hung up on me. Without A resolution. But before hanging up on me they said they can at least refund one of the payments but by the end of the phone calls they decided they weren't going to refund it anymore so they chose to keep my money for no reason after they were refusing to help me, calling me a liar, getting an attitude with me, and not letting me speak to who I asking to speak too.

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 2023-07-06
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 am interested in processing disputes on my credit report to delete an remove all inaccurate information with transunion to clear my file. ive noticed lot of information that is hindering my file. checking all information submitted this has been an ongoing issue that needs to be resolved asap.

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 2023-02-04
Company: Bread Financial Holdings, Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im accordance with the fair credit reporting act XXXX  account Victoria Secret Commentity bank credit card, has violated my rights. 15 U.S.C. 1681 section 602 states that I have the right to privacy. 15 U.S.C. 1681 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B A creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14
Company: IQOR US INC
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XXXX XXXX, XXXX, I received a call from a caller labeled " Unknown Name '' XXXX. The caller stated he was from a collection agency, and he was fumbling and unprofessional, which made me immediately suspicious. He then stated that I was in default on my student loans and they knew where I worked and would resort to garnishing my wages if I did n't pay. I stated my student loans were all current and I have no loans in default, and that I had successfully completed a rehabilitation program to get my loans back in good standing, and I have made on time payments for the past 6 months. He was insistent that I was in default to the amount of {$16000.00} I knew this to be incorrect and stated i 'm not paying anything, and if wants me to do anything I needed a written statement from his company to compare with my own records. He asked if I would call him back, and he stated they closed at XXXX, which struck me as VERY odd, as most agencies are open into the evening to accommodate people and their work schedules. Yesterday I received a letter from Allied Interstate LLC, XXXX, XXXX XXXX, XXXX MN XXXX. They are asking for {$16000.00} for a loan whose total balance is only {$10000.00}. It 's as if their information is 3 years old. I suspect the entire thing is a scam and they are not legitimately associated with XXXX, the company that services my consolidation loan.

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 2023-02-03
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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response 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 non-monetary relief