BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
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: Personal information incorrect

Complaint:
I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-06-21
Company: EQUIFAX, INC.
State: IN
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:
I do not recognize these inquiries on my report XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Bureau XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bureau XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Bureau XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX Finance XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Bureau Inquiries XX/XX/XXXX Equifax XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bureau Inquiries XX/XX/XXXX Equifax XXXX - XX/XX/XXXX XXXX XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bureaus/XXXX Processing XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I RECEIVED NOTICE FROM US BANK HOME FORECLOSURE LAWYERS, XXXX AND XXXX, XXXX REGARDING MY MORTAGE NOT BEING PAID FOR 3 MONTHS AND NOTICE OF FOLECLOSURE ON MY HOME. I MISSED XXXX AND XX/XX/2023 PAYMENTS, I REACHED OUT TO XXXX XXXX XXXX FOR HELP. ONCE MY INFORMATION WAS RECEIVED FROM XXXX XXXX XXXX, I DID RECEIVE HELP WITH MY MORTGAGE ARREARS AMOUNT. THE AMOUNT PAID WAS {$3300.00}, THE TOOK CARE OF XXXX, XXXX AND XXXX PAYMENTS. US BANK PURPOSELY HELD ON THE PAYMENT FROM XXXX XXXX FOR 30 DAYS, THEY RECEIVED PAYMENTS ON/OR AROUND XX/XX/2023 FOR {$3300.00}, AND HELD THESE FUNDS UNTIL MY ARREARS AMOUNT REACHED 3 MONTHS. I HAVE RECEIVED SEVERAL NOTICES FROM THESE FORECLOSURE ATTONEY 'S XXXX AND XXXX, XXXX THEY ARE LOCATED IN XXXX XXXX. NOW THESE ATTORNEY 'S ARE TRYING TO ADD ADDITIONAL FEES FOR ME TO THEM FOR ATTEMPTING TO FORECLOSE ON MY HOME. THEY WANT ME TO PAID {$1000.00} IN ATTORNEY FEES AND PLUS A CHARGE FOR {$180.00}. I DON'T BELEIVE I SHOULD BE FORCED TO PAY ANY FEES FOR US BANK XXXX XXXX PURPOSELY HOLDING ON THE FUNDS THAT SHOULD HAVE BEEN RELEASED AND APPLIED TO MY MORTGAGE ACCCOUNT.

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 2018-05-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
My wife and I sent a letter to Equifax on XX/XX/XXXX, requesting investigations. I am attaching a copy of the letter we sent. They were supposed to respond by XX/XX/XXXX, but its now XX/XX/XXXX, and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was supposed to receive a {$500.00} bonus offer for meeting specific requirements when opening a new business checking account with Bank of America. I confirmed in XXXX that all of the requirements had been met : To earn the {$500.00} bonus : Make Qualifying Deposits* of {$20000.00} or more into your new business checking account within fifteen ( 15 ) days of account opening ; AND Maintain an average balance of {$20000.00} during the Maintenance Period** ; AND Make XXXX XXXX XXXX ) Qualifying Electronic Payments*** that are posted to the new checking account by the end of the Maintenance Period. 

However, there was confusion surrounding the new money deposit, which I moved directly into my existing personal checking account from an external source ( XXXXXXXX XXXX ) and transferred to my new business checking account as confirmed from a representative. 

The bonus offer was rejected several times even though the representatives acknowledge that I am correct. But the process is that they flag the issue for 'escalation ' and it has now been rejected several times. Despite being owed the bonus, I can not circumvent the process despite speaking with customer service ever other day from XX/XX/XXXX through XX/XX/XXXX, attempting to resolve this matter. 

I finally threatened to file a claim with CFPB if we can not resolve this, as this matter needs to be escalated outside of the Bank of America framework. 

My bank statements attached show the new money deposits from the personal checking account ( ending in XXXX ) came from XXXX XXXX and were sent to the business checking account ( ending in XXXX ). All requirements can be verified on the business checking account statement attached and the money was held above the XXXX balance per the next two statements attached.

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 2023-08-09
Company: Affirm Holdings, Inc
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
i applied for a loan XX/XX/2023 for {$300.00} to pay for an XXXX ring i returned the ring and cancelled the loan less than 30 days from start date. Affirm was credited by XXXX for the cost of the ring however they have added {$17.00} cents to the amount snd are telling me my payment is past due i dont owe Affirm ANYTHING i want them to stop sending me emails about the {$17.00} extra charge its NOT interest i called Affirm but they wouldnt tell me what its for just said you owe it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX in 2015 gave me a loan modification they put {>= $1,000,000} or more into my balance they claimed it was for escrow missing payments home insurance some money to pay their lawyers and they claimed to people that was taking care of the house charges that they made up I started to make my monthly payments even that they gave me a payment I can afford 2 mounts into the new balance at this point they have made 2 loans one no interest no late fees no extra charges but my due date was the first of each month so it always looked like a late payment or missing payment 8 mounts ago XXXX XXXX XXXX sold my mortgage to XXXX XXXX and shellpoint mortgage services and since the first day this fraudulent company keep sending me a different amount Extra charges late fees and any other charges that XXXX XXXX XXXXXXXX couldn't charge I contact them and I asked them which mount I'm supposed to be behind but when I sent them the probe of that mount they keep saying it is another month they claimed is escrow but every year they adjust it if may home insurance go up or my taxes my payments started at the beginning of my new mounty Payne was {$1400.00} and this days I'm paying {$1600.00} and they say it is because the escrow they keep claiming I owed them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
on XX/XX/XXXX i purched airline tickets with my platinum america express card. the same day the airline cancelled my reservation. on XX/XX/XXXX early in the morning i contacted an agent from amex travel and he confirmed that my reservation was cancelled by airline. i had prior reservation for the same time in may but since the price dropped for this flight i asked the agent to cancell this booking and issue the credit in a form of eticket which he confirmed. while on the phone with him i told him before he canclled my booking i want to be sure that the flight is still available. he told me to book it myself and after this he will cancel my booking and he did issuing the credit for {$510.00} each for 3 tickets. the other booking which was cancelled by jet blue and by me within 24 hours was entitled for a full refund not the eticket credit which i received. i contacted the amex travel 3 times waiting on line to be transferred to different people for 2 hours but no success. i was told that somebody will get back to me. i waited 12 hours no response. after that i was told 72 hours still no response. this is an unfair and deceptive practice toward consumers who should'n suffer due to incompetent agents. the company should provide a proper training and establish the time frame to contacting customer. needless to say that i spoke with supervisor who was also of no help and never called back. i am expecting ames to ctedit my account for {$1200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-05
Company: Atlanticus Services Corporation
State: PA
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:
Fortiva credit card has violated the federal Equal Credit Opportunity Act by discriminating against me and open up in a credit card and also by not allow me to dispute the decision in the decision process making of issuing me a credit card by not allow me to dispute the credit card companies decision they have caused further Financial discrimination

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Cares act directed all student loans to be placed in forbearance and allowed for refunds of automatic payments past XXXX XX/XX/2020. I requested the refund as the forbearance time did not affect my PSLF and payments would be made under the fares act. My email request was never answered but when I called 4 months later asking why it had not been acted upon they said it is always better to call directly. I explained that I had used there email option due to XXXX XXXX military move and they said always call. I am disappointed with the response in that they had an email option to request refund. I feel this is predatory in nature on fedloan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, 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:
I have never made transaction to these companies nor applied for credit. They are fraudulently reporting on my credit report. I filed FTC report with report number XXXX and now requesting CFPB to investigate as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: NY
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of Federal Trade Commissions Identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: EQUIFAX, INC.
State: NV
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:
I have attempted to rectify this in correct address on my credit report for XXXX, equifax, and XXXX. I attached a copy of my social security card and utility bill showing my address that I have had for several years. This is my final attempt! I have attached the information. XXXX XXXX XXXX XXXX is not my address and never was. My last name is XXXX I called these credit card companies and they have a different person for these credit cards it is not XXXX XXXX. I live in XXXX XXXX! Remove this address immediately from my credit reports! DO NOT SEND ME SOME PRE-MADE LETTER STATING IT IS VERIFIED! E-OSCAR IS A AUTOMATED SYSTEM AND CRAs USE CODES TO VERIFY NOT A LIVE PERSON. THIS IS THE ADDRESS THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX, XXXX, OHIO XXXX THESE ARE THE ACCOUNTS THAT NEED TO BE REMOVED : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Consumer Portfolio Services, Inc.
State: MO
Product: Credit reporting 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:
I am writing to request the removal of unauthorized credit inquiries on my name of the credit bureauXXXX, XXXX and or XXXX  credit report/credit inquiries that i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Bliksum, LLC
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called Me five to six times a day. They have called my Father, Sister and Brother in Law five to six times a day. asking to speak to me or my attorney. They call me and my family during work hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Hi XXXX  ; Equifax ; and XXXX  ; I was actually in the process of reviewing my credit and noticed that there are several incomplete, errors, and variations of my name and addresses and previous addresses. I've attached what I've sent to the credit bureaus many times that i want those previous addresses and unknown names removed from my credit report. Basically, Ilooking at my credit report, I noticed errors with my personal information, misspelledof myactual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries thatI'mnot 100 % sure how it's here, and how you can mix such file. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, FCRA laws and regulations, any and all others are inaccurate and/or outdated informationmustbe deletedimmediately from my credit report asthey are not reportable as per theFCRA, since they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: CO
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
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: Information belongs to someone else

Complaint:
FCRA violations : payments never late XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: MA
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 writing to submit a formal complaint against Equifax regarding inaccurate information on my credit report. Despite my previous contact with Equifax on XX/XX/XXXX, I have not received any response or resolution regarding the following incorrect information : ( XXXX XXXX XXXX  Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} ), ( XXXX XXXX Account # : XXXX, Date Opened : XXXX Balance : {$480.00} ) These accounts were never late, and I request the removal of the late payment from my credit report. 

( XXXX XXXX Account # : XXXX, Date Opened : XXXX Balance : {$720.00} ), ( XXXX  Account # : XXXX, Date Opened : XXXX Balance : {$1500.00} ), ( XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$50.00} ), ( XXXX Account # : XXXX, Date Opened : XXXX Balance : {$660.00} ), ( XXXX  Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$83.00} ) and XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} ). 

These accounts are not mine, and I request its removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for this account : XXXX XXXX XXXX Balance : {$8200.00}

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 2023-06-21
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # 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 has violated my rights .

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation