BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: NC
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 letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-06-13
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: Was not notified of investigation status or results

Complaint:
I have been reaching out to Equifax about the XXXX XXXX XXXX account that is reporting inaccurately on my report. I asked for them to investigate and verify the information they are reporting and I haven't received a response from them, proof an investigation was completed, comments showing the account was in dispute or anything. I have been sending letters to them since XXXX of 2020 and still haven't received a response in regards to this account. I'm in the process of trying to purchasing a home and this inaccurate account is preventing me from moving forward. They are also still reporting an outdated Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had cellphone service through XXXX XXXX AKA XXXX XXXX. I called them back in XXXX/2014 I am not exactly sure, and I requested the service to be cancel, because I start a new service with XXXX XXXX XXXX. I paid over the phone what they told me it was my outstanding balance, and then, a few weeks later I received a new bill which I dispute with them, but they never resolve, and instead the send me to a collection company ( MCCARTHY, BURGESS & ) who harassed me for several months. I will not accept this charges, because they gave me a payoff amount when I contacted them to close the service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I wrote a dispute letter to Transunion regarding an invalid collection account that is reporting on my credit reports. Specifically, the letter reads the following : Dear Customer Service Representative, I recently viewed my credit report and see you are reporting incorrect information. 

I never had a collection account with XXXX Acct # XXXX. Please delete this account from my credit report and send me an updated copy showing the results. 


As of XX/XX/XXXX, I have not received a response from 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 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2019-06-18
Company: West Coast Servicing, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I filed an initial complaint to the CFPB on XXXX 2019 and on XX/XX/XXXX West Coast 's response to the CFPB a government agency was that they are eager to reach a mutual agreement to put this matter to rest yet a week later on XX/XX/XXXX they filed a motion to continue to foreclose on my house and a motion for relief on the Automatic stay with clearly full intentions to foreclose and collect their profit without a reasonable doubt. West Coast purchased my note for pennies on the dollar in 2019 and have refused to disclose that dolor amount. They are predator investors dedicated to pray on consumers with equity in their homes. The Chief judge denied their motion 100 percent. West coast has lied time and time again and this is just one more of the instances in where the evidence shows they contradict their own statements and have now provided False information to the CFPB a government agency. A full trial is much needed for this claim to be disallowed entirely. I have attached a copy of the status report filed on XX/XX/XXXX from West Coast and their council with their motion to request to foreclose and motion to lift the Automatic Stay on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: NY
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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX  XXXX Late Dates XXXX, XXXX XXXXXXXX XXXX XXXX Late Date XX/XX/22

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 2019-02-01
Company: Experian Information Solutions Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed on XX/XX/XXXX that XXXX XXXX XXXX fraudulently placed a negative account in collections in my name. The date of the account is XX/XX/XXXX. I did not open an account with XXXX XXXX, therefore, this should not be on my record. I have filed a police report and identify theft report with FTC.

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 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have multiple to verify and confirm accounts within my credit report and nothing has been confirmed as the bureaus can not confirm whom they have spoken with that verified the debt.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I REQUESTED YOU PROVIDE ME WITH A PROOF OF THIS ALLEGED PAYMENT BEING LATE .IF UNABLE TO PROVIDE OR LACKING PROOF OF THIS PAYMENT BEING LATE .UPDATE PAYMENT HISTORY TO PAID AS AGREED NEVER LATE ( XXXX ) PLEASE PROVIDE DETAILED DESCRIPTION OF ALL PROCEDURE USED IN PROCESS TO DETERMINE ACCURACY OF INFORMATION REPORTED I HAVE REQUESTED TO ALL THE CREDIT BUREAU ABOUT THE LATE PAYMENT ON MY CREDIT HISTORY TO PROVE. I HAVE NOT GET ANY REPLIED. SO I REQUEST ON MY CREDIT TO BE REMOVED ALL LATE 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 2022-01-10
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/XXXX, I reported an unauthorized XXXX account was opened using my personal information. Based on my report, they opened a fraud claim and referred the case to there fraud department for investigation. they concluded the investigation on XX/XX/XXXX with the fraud claim not resolved in my favor. 

Per request, they reopened my fraud claim for an additional review on XX/XX/XXXX, XXXX their additional investigation concluded on XX/XX/XXXX with the decision to overturn the previous denial and resolve the claim in my favor. And said the credit reporting bureaus were notified to delete any derogatory information pertaining to the unauthorized account from your credit bureau report. And asked to allow up to 60 days for the credit bureau to update.

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 2020-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am very upset with my banks customer service they didnt want to help me at a time that I needed them most I was at the drive thru and didnt have my debit card on me and have always heard from them that I can make a deposit without a debit card I called multiple times no one would assist me with this concern very bad service hold times and the. They dont help I was just sitting in my car not knowing what to do and my bank not wanting to help me shameful of them and I forgot my debit card pin I thought I could choose or reset it on their mobile banking app they would not help me this is not nice a check order to I requested they reimburse me since the way I was treated when placing the order they refused to transfer me to their check vendor XXXX XXXX horrible experience I ask that they call me immediately and go over my concerns with me Bofa call me immediately Im very upset with the way I have been treated and the service I have received

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 2021-10-14
Company: EQUIFAX, INC.
State: UT
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:
Equifax continues to verify inaccurate addresses and phone numbers. Confirmation # XXXX, the address is not accurate and the phone number is inaccurate. Please remove immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I.C. SYSTEM, INCI C SYSTEM INC ( debt collector ) XXXX XXXX XXXX XXXX XXXX ( physician 's practice ) XXXX XXXX XXXX SXXXX XXXX, MN XXXX ( XXXX ) XXXX This company ( I.C. System has repeatedly tried to collect the wrong amount form me and has falsely billed me as well as reported this to the credit bureau ). They are rude, unethical, have unprofessional billing practices, and aren't willing to discuss matters necessary to resolve the issue. I have disputed and the correct balance has been paid in full directly to the physician 's office.

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 2022-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Back in the beginning of XXXX, I called the Disputes department and asked them why my disputes against XXXX for {$130.00} was denied. They claimed they had no knowledge of the reason, but would request a letter to be sent out with more detailed information as to why the disputes were denied. They sent me documentation that XXXX had sent to them, showing print-outs from a computer, which were obviously based on a faulty system or computer error at the time. I had provided the Disputes department with the ACTUAL receipt that shows the total amount to be charged, along with the amounts listed right above that show what matched the total after XXXX and Rewards were applied. You can not argue with that. And physical receipts outweigh computer print-outs. They supported a print-out verses a physical receipt. When I spoke to the Disputes Department weeks ago, they put in a request for Reconsideration. Well I just received a letter in the mail dated XX/XX/XXXX -- " Their records show that no posting error has occurred on your account. " ... But my records show otherwise, and again, physical receipts overrule computer print-outs...

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 2018-06-04
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently learned through XXXX XXXX that AFNI is reporting a XXXX XXXX collection as owed by me to XXXX, a credit bureau. I dont see it on XXXX. Its a debt for {$100.00}, which may not seem like much, but since Ive never had a XXXX account, its entirely too much. I do not recognize this company at all. I certainly dont owe them any money. I tried to dispute it, hoping theyd look into their records and realize it isnt me, but they just verified it as accurate. Its only on one of my reports, so its pretty clear to me that there is a miscommunication happening somewhere from AFNI to XXXX. I have a fairly common name and I just wonder if thats whats causing the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-01-10
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 inquiries listed on my report that I have reached out to the company and credit bureaus to be removed and they state they are accurate. I have a statement with all agencies stating before credit is extended, someone should contact me to verify and that has and does not happen. This is affecting my ability to increase my credit scores and very discouraging. Please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I payed my XXXX amount in full to the amount of XXXX. The payment was incorrectly processed. They only took the current amount and put the past due amount towards the principle. This made my payment always late. The bank has no interest in correcting the mistake and just added late fees. I payed my last payment according to the new escrow statement that was provided and they decided to hit my credit report with a 30 day late mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contract # XXXX was entered into between us ( XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for a XXXX copy machine in XXXX of XXXX. The lease financing was done through US Bank XXXX XXXX in XXXX, MN. 

The lease expired in XXXX of XXXX. US Bank continued to send us monthly bills which our district manager approved and paid because he thought that it was a maintenance contract. 

We reached out to US Bank about cancelling this lease as it had expired. They said that the lease originator, XXXX, has to cancel the lease with them. We explained that XXXX was purchased by another company, XXXX, and XXXX told us that they have no desire to repossess or release the machine. XXXX also said that they have no active business relationship with US Bank and advised us to not remit payment to US Bank. 

US Bank 's customer service has put up a brickwall and does not engage us substantively in our efforts to resolve this. They seem confused as to who the lease originator actually is due to the merger of XXXX and XXXX. So they claim that they have no capability of contacting the lease originator or anyway to tell us who they believe has the authority to release us from the lease. We are absolutely certain that the legal entity that originated the lease has released us from 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 non-monetary relief
Consumer complaint received 2022-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I performed a consumer credit transaction on XX/XX/XXXX and was denied my right to an extension of credit via Bank Of America. I received an adverse action letter stating nothing but inaccuracies and unverified information. I then proceeded to send correspondence to the company which they received XX/XX/XXXX and I never got a response from them. They violated 15 USC 1691 ( a ) ( 3 ) because I, the creditor, applied in good faith. The credit reporting agencies showed an inquiry confirming that a consumer credit transaction took place, which I also never benefitted from the transaction which violates 15 USC 1602p, because they used my credit card as per 15 USC 1602 ( l ). As a consumer protected by Title 15 Chapter 41, Pursuant to 15 USC 1692c ( c ) ( 3 ) I am demanding the right to an extension of credit.

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 2017-10-01
Company: Navient Solutions, LLC.
State: MI
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:
Navient keeps ignoring my allocation instructions, as I am paying ahead on my loans. I write the instructions on a separate piece of paper when I send it in, and also call them before I mail the check with the instructions to put into the computer. They always say they are sorry and it wo n't happen again, yet each month I have to call back after I go online and see my payment has been allocated incorrectly. Dealing with them is 15-25 minutes of frustration each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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: Reporting company used your report improperly

Complaint:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Accordance To The Fair Credit Reporter Act The Account Listed Has Violated My Rights..15 usc 1681 Sections 8 States I Have The Right To Privacy 15 usc 1681 section 604 A Section 2.I also state a consumer agency can not furnish your account without my written instructions.

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