BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
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:
When I reviewed my credit report. I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. DPT ED/XXXX XXXXXXXX

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 2023-01-17
Company: DISCOVER BANK
State: MD
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:
On XXXX XXXX XXXX XXXX I received a phone call from the phone number XXXX around XXXX and they left me a voicemail stating they were from the XXXX XXXX XXXX XXXX XXXX and calling in regards to some legal documents that required my attention. They requested I call back at their direct line for XXXX XXXX ( or XXXX, couldn't hear ) XXXX at phone number XXXX. I called that number and was told that I had missed a court date on XX/XX/XXXX that I was subpoenaed for on XX/XX/XXXX. I said I never received any notice of this and never signed any subpoena papers, and knew I was not available on XX/XX/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 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 Or I could opt for the civil process in which I would post the bonds attached to each citation, see a handwriting analyst to rule in/out my signature on the subpoena, then get my money back. Throughout all of this they had me withdraw money from savings and checking accounts and make cash advances and balance transfers on all my credit cards. Part of this was a {$5500.00} balance transfer on my Discover credit card. Luckily, I figured out it was a financial scam before the balance transfer posted to my account so I was able to call Discover on XX/XX/XXXX and have them reverse the transaction. With that, there was a {$110.00} transfer fee that was charged to my account. I made a few phone calls and attempted to have that money refunded and was told that could not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: PA
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:
Greetings, I recently sent a letter asking Experian, XXXX and XXXX to investigate some accounts on my credit report. Here are the tracking numbers : ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX / Re : XXXX XXXX requested on XX/XX/XXXX It has now been over 30 days, I believe these consumer reporting agencies are in violation. 

According to15 USC 1681i- Experian, XXXX and XXXX have 30 days to investigate and send me the results. They also never recorded the current status of the disputed information, which is another violation. 

I have all of the evidence attached below.

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 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX Went online to check my Transunion report. Couldnt sign in. I called the # XXXX XXXX XXXX - XXXX assisted me and gave me another direct number to call the consumer help at XXXX. While on hold, i decided to online chat - Had a very long chat with XXXX only to find out the only phone number associated with Transunion is XXXX. 
I took a snap shot of out conversation and told them, if they cant get into my account, i would report this is whomever I can. 

A bit of background - 2 months ago, while at work, Human resources person, XXXX, came over and laughed then asked me if I tried to collect unemployment, now both of us are laughing - the answer was " NO ' ; so she said someone filed for benefits under my Social Security number. 

Not sure if this is all related, but I am sick of it all. 
I will pray that you can obtain the answer quickly and easily. 

Have a Blessed day and stay well.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: NC
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:
privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX 15 U.S.C 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A 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 explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus, and I got a letter stating, They do not report any bankruptcies to anybody. On XX/XX/2023, I sent a letter to XXXX, and On XX/XX/2023, I sent the same letter to Equifax to validate the information with the Original Creditor. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. '' I received my XXXX report, and the bankruptcy was removed from my file. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation, according to 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to 15 U.S.C 1681 section 602 A. States, I have the right to privacy. According to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: IL
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:
Equifax was hacked and my information was compromised. I attempted to place protection on my account but was unable to do so. My cred report and any related information has been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TransUnion lowered my credit score XXXXXXXX points this morning because they claim I'm not carrying enough debt. Do you believe that? I haven't had a missed payment in at least XXXX years ( and that was because a bill got lost in the mail ). TransUnion has held my score at XXXX ( like XXXX ) for years. And during that time, I've had the same XXXX credit cards, I've banked at XXXX XXXX XXXX  for XXXX years, and now Transunion claims I need to carry more debt, put purchases on my credit cards, apparently make minimum payments, so they can justify not XXXX my XXXX XXXX. Priceless. I've been on the phone with them several times today, and they hung up on me XXXX times. I guess that's how they resolve complaints. Please help me solve this dispute because I'm not going to get any from TransUnion. Thank you in advance.

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 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX everywhere card by XXXX had denied me MY CREDIT by discriminating me that I am not credit-worthy due to judging my credit portfolio. 

XXXX XXXX platinum and gold denied me MY CREDIT by descriminating me that I am not credit-worthy due to judging my credit portfolio.

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 2018-05-21
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 AM A VICTIM OF IDENTITY THEFT AND POLICE REPORT FILED. I NOTIFIED THE CREDIT BUREAUS NUMEROUS TIMES SUBMITTED ALL NECCESSARY PAPERWORK TO THE BUREAUS AS THEY ASKED AND THEY HAVE NOT REMOVED THE FRAUDULENT ITEMS THAT THEY WERE DIRECTED TOO. I SPELLED OUT EVERYTHING FOR THEM CIRCLED THE ITEMS ON MY CREDIT REPORT BUT THEY DISOBEYED THE LAW AND FAILED TO REMOVE SAID ITEMS DETAILED IN CREDT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX  XXXX XXXX XXXX card I had was discontinued and transferred to American Express whom I do not wish to do business with. I am told I need to cancel an American Express card account which was opened in my name but I do not believe I should have to cancel an account I never requested. 

I asked XXXX for a copy of my cardholder agreement which gives them the right to transfer my XXXX credit card to American Express without my consent and they would not supply it. 

I believe this is a violation of Fair Credit laws and is no different than XXXX XXXX opening accounts which consumers did not request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I contacted Kohls Card Customer Service on XX/XX/2023 about a duplicate charge. I informed Kohls Customer Service that on XX/XX/2023, I made two payments in error on the due date, XX/XX/2023 and requested the refund to be sent to my credit card. Kohls Customer Service Representatives stated that, they dont have options to cancel the payment on their system. However, Kohls Customer Service Department suggested that I get in touch with my bank to dispute the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid the balance with the agreement it would be removed from all three credit agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have disputed information regarding my personal credit report that is reporting inaccurate information. I have sent dispute letters to all three credit bureaus on XX/XX/2022 in regards of the inaccurate information that is currently still being reported on XXXX, TransUnion, XXXX. The total amount is ( {$410.00} ) which is a collection account as well as other inaccurate accounts. This inaccurate information is hindering me from establishing new credit accounts and other things regarding business. I appreciate you in advance for looking into this matter on behalf of myself!!

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 2019-04-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Onemain I recently disputed some inncorrect information on my credit report with XXXX and they claim that the infomation was reporting correctly on the credit file and was Verified I'm going to need for You to tell me who you spoke with at XXXX  what Information did they send to you reguarding the dispute. also if you could please send me what you sent back to them also a copy of the credit application with my signature attached. Thank you so much ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is reporting inaccurate information on an account and inquiry that I never made. The following account does not belong to me : 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 2021-04-14
Company: Oliver Adjustment Co.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When I called the number for this creditor they said they weren't aware of I XXXX XXXX and I don't have an account with them so unfortunately I don't know what else to do. This creditor is unknown and I never owed this company well so ever.

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 2023-10-12
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a CD on-line with TD Bank - 12 month term 5 % rate for {$25000.00}. I transferred the funds directly from XXXX XXXX  XXXX XXXX Account to TD bank. I was not able to sign on to my new TD account on-line so I called the help number and was told that fraud was suspected so I needed to go into a branch office with photo ID. I made an appointment and visited my local branch ( XX/XX/2023 ) and was told that the CD I purchased was only available to customers with a checking account AND that despite the fact the the funds were taken from XXXX XXXX  XXXX XXXX account they had not yet shown up at TD bank and I needed to wait XXXX business days for the transfer to take place. 

I noted that a ) there was no place on line that indicated that a checking account was required to open a CD ( This is clearly deceptive advertising ) ; b ) I do not have access to my savings ( {$25000.00} ) ; and c ) I XXXX hour in the branch office as multiple staff attempted to sell me alternative investment vehicles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I had a mortgage and during the pandemic, the tenant did not pay any rent and explained this to Shellpoint for the last XXXX years and it has been frustrating to communicate with Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TD BANK US HOLDING COMPANY
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 was notified by Target Card Services that someone opened a store credit account in my name without my knowledge on XX/XX/2023. I was told the credit card application was instantly approved for {$400.00}. That person then attempted to use the card at a store in Florida on XX/XX/2023 but the transaction did not go through. 

The inquiry for that credit card application is on my record and I would like to dispute that inquiry since it lowered my credit score. Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19
Company: DISCOVER BANK
State: OK
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:
Hello, Upon looking at my credit report i see an inquiry was made on XX/XX/2018 and XX/XX/2018 from XXXX XXXX XXXX I did not authorize this inquiry and don't recognize or have any relationship with discover. I Have a security freeze on all my credit report which require anyone to verify with me with me if anyone is attempting to use my Social security before opening any new account. I am asking that this inquiry be removed from my report immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
Bank of America performed an unauthorized hard credit inquiry on 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 non-monetary relief
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: NY
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Two years my Equifax family account was hacked. I received notice but told I would not be able to pursue any lawsuit. Not only was my social security number stolen but so was my wife 's. I have my credit frozen but am currently being investigated for a XXXX XXXX XXXX and am concerned about lifting my credit freeze. I have read my personal identification information is out there and can be used at any time, so my concern is the unknown future.

Company response to consumer: Closed with explanation