BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-28
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: Investigation took more than 30 days

Complaint:
This is a loan that has been charged off since 2014. I have not made a payment since 2014, and this account has reported as closed/charged for a long time. Lately XXXX has been reporting it as open, with a late payment report as well. This brought my credit from XXXX to XXXX. I have not called them, or made any agreements to pay off my outstanding debt, and I never will. I need to rebuild my life, and my credit. I am a single father, and I raise my child on my own. I ca n't buy a house for a long time because of this. Or even a new Car.

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 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
This is a loan that has been charged off since 2014. I have not made a payment since 2014, and this account has reported as closed/charged for a long time. Lately XXXX has been reporting it as open, with a late payment report as well. This brought my credit from XXXX to XXXX. I have not called them, or made any agreements to pay off my outstanding debt, and I never will. I need to rebuild my life, and my credit. I am a single father, and I raise my child on my own. I ca n't buy a house for a long time because of this. Or even a new Car.

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 2020-05-05
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:
I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX  : Acc No XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : Acc  No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : XXXX No : XXXX Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX : XXXX No : XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Acc :  XXXX Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : XXXX : XXXX Date Opened : XX/XX/XXXX XXXX : Acc : XXXX Date Opened : XX/XX/XXXX XXXX : Acc : XXXX Date Opened : XX/XX/XXXX Fraudulent Collection : XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXXXXXX : Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, 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 2020-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery XXXX closed this account and then illegally reopened it on my credit report. It was closed XX/XX/2020 and reopened just the other day on my credit report. This is illegal and I do not know what this debt is. I have been trying to dispute it for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX I needed to find some cash to pay off a high credit card bill and paint my house as it was in bad need. I called my mortgage lender Quicken to discuss my options. After several days, I was told I because of the amount of cash I needed my only option besides a ARM was FHA due to the loan to value ratio since my house didn't appraise high enough for a Conventional loan. Never at any time was a home equity line or second mortgage offered as a solution. After consulting with a few mortgage professionals I feel Quicken Loans did not fulfill their fiduciary duty of providing me with alternative loan options to the FHA loan they sold me. It has been brought to my attention that a home equity line of credit ( HELOC ) would have clearly been a better option. Quicken Loan took me, a repeat client, from a rate of 3.875 % ( 30 year fixed with 28 years until payoff ) to a 30 year fixed FHA loan with a rate of 4.75 %, hard costs of {$5100.00}, and monthly Mortgage Insurance of {$190.00}. In simple terms I paid {$5100.00} in fees, am now paying {$430.00} more a month, and reset my amortization term to 30 years to get {$22000.00} cash out. This does not take in to consideration that I am now paying approximately {$280.00} more in interest per month. Additionally mortgage insurance isn't a tax write off as with the interest from a second mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX Transunion, and XXXX  are continuing to report an outdated debt with XXXX XXXX/XXXX XXXXXXXX. A consumer reporting agency may not report outdated negative information. This debt is from 2005, which is well beyond the 7 year mark.

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 2018-03-20
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: Investigation took more than 30 days

Complaint:
Company reporting to credit reporting agencies late 30 days XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I was told that since incorrect information was given by service representative to have payment automatically deducted from account that since it was no error to myself, no negative reporting would take place. I spoke to two other representatives within month of XX/XX/XXXX and was advised that no negative reporting would take place and a request had already been submitted to CRA to remove negative information. XX/XX/XXXX, I sent check, which was date XX/XX/XXXX XXXX but not cashed by XXXX until XX/XX/XXXX. I have sent a dispute in regards to this and still have had no success with resolving this issue. XXXX also continues to report incorrect balance on my credit reports, which doesnt reflect all payment history. I have made them aware of this, yet they continue to report incorrect information regardless how it negatively impacts my credit report.

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 2019-04-26
Company: BTH Management
State: OH
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 has been listed on my consumer report from Plaza Services there is no account number I am not the owner of this account I have disputed this several times with the credit bureaus they have not removed it and will not show me what is the proof I own this debt. I sent a validation letter certified with no response from the creditor with any proof this is my debt. They are now legally obligated to remove this I am not the owner of this 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 2018-09-18
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is harassing me, they put a wrong debt on my credit history. 
Compliance Department Fair Collections & Outsourcing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I paid everything and I moved out, I fullfilled the obligations in a contract. They are trying to collect something that I dont owe!

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 2018-06-28
Company: Brock & Scott, PLLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2018 I hired a credit consultant to handle this for my behalf. My credit consultant has been trying to reach them since XX/XX/2018 regarding this XXXX XXXX XXXX judgement. They never reached back to her in order to try to resolve this matter. I am concerned that they are not professional in the services they provide. I would like an investigation regarding this attorney 's office. I would like for them to contact XXXX XXXX at XXXX in order to discuss options in resolving this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: JPMORGAN CHASE & CO.
State: MN
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/2020, I purchased a suit from a suit vendor named XXXX XXXX ' in XXXX , XXXX for {$780.00} USD. Since I was told that the suit would take 2 weeks to make, they would ship it to my home address in Minnesota and provide tracking on the shipping when it was sent out. I had purchased a suit at this shop with two other friends also from Minnesota. 

Weeks went by and we expected tracking to be sent to our emails that we had provided to the vendor. I and a friend ( XXXX XXXX ) reached out via email to the vendor ( XXXX, I have attached their 'business card ' -- try finding information about this place, they don't exist ) to understand where the tracking was. You will see the corresponding email chains in the attachments. More and more weeks went by without a response. I tried finding the location on XXXX maps, I tried finding the company via XXXX, I've looked almost everywhere to find information on this suit shop and it doesn't exist. 

Due to this, myself as well as my friends decided to issue a dispute via Chase as we believe we had been scammed. Chase acknowledged the dispute ( issued XX/XX/2020 ) and went to investigate the claim. 

I did not hear back from Chase regarding anything on the investigation until XX/XX/2020 when they said that the dispute was resolved and that they had taken the vendors side and re-issued the charge back onto my account. The reasoning was because the vendor said " the customer said they were going to pick up the item '' -- that information was provided to me after calling Chase customer support to get information on the explanation as to why the charge was re-billed. I can not pick up an item when I am in the United States while the vendor is in XXXX, plus the contract was for the vendor to ship to us and that was the reason why we provided our home addresses. 

Please look into this, I do not think Chase did a comprehensive investigation into this as they did not ask for any proof of emails from me or anything -- they took the vendor side without asking me for information. If they would spent 5 minutes XXXX, they would see that this vendor does NOT exist and they are scammers. 

In summary ; I have never received the product from the vendor, I disputed with Chase who after months came back and re-billed me for the original charge claiming that the vendor said we would pick up the product ( I can't pick up a product when I live in the USA and its in XXXX, the agreement was to ship it to my home after the suit was created and ready to ship. Chase never reached out to me for more information and I do not believe they researched this vendor properly ( as they don't exist online ). 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
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:
On XX/XX/2021 I sent a letter regarding inaccurate and invalid information on my credit report. Its now over 35 days later and I haven't received a response. At this point I feel my disputes are being ignored. Section 611 ( a ) states that a failure to investigate disputes within 30 days gives reason to immediately remove the information from my credit report. It has been over 35 days therefore the information should be deleted immediately. This information has caused me unexplainable stress and if information is not deleted immediately I will be forced to file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Sequium Asset Solutions, LLC
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: Account status incorrect

Complaint:
I requested that the agency/office sends me valid proof that I am legally obligated to pay the agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Medical Data Systems, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Medical Data Systems was disputed and they expressed the account would be removed from my credit report in the amount of {$1400.00} and they removed it from XXXX and XXXX but neglected to remove it from XXXX credit report.

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 2020-05-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I received a letter dated XX/XX/2020 in regards to my account being overdrawn, and they are charging me a {$30.00} fee. I had been calling non-stop, almost everyday since the date above, waiting for costumer service to answer my call, and no one is available. I have pictures or the long wait times i had been experiencing to fix this problem and no one there to help, even though they calim that my wait time will be 20 or more min in either language, English or  XXXX. Due to COVID-19 i am unable to leave my home to see if i can get in person assistance. I find it ridiculous and unprofessional of this bank to have such a horrible costumer service. I had called several numbers, and they all lead to the same automatic system, which tells me, im calling the same place. I feel like there is no way out. I go online, and i dont have a account with them anymore, yet, they are threatening me to send me to collections for {$30.00} and damage my credit, again for {$30.00}. This is beyond wrong. This could had easily been fixed or disputed if someone was available. Is sad, that this is my second complaint via CFPD to resolve my issues with this bank. Last time i made a complaint here, they called me right away, because they get scare. Is sad that they use the COVID-19 situation as there way to clean their horrible costumer service neglect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: TX
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:
HARD INQUIRIES i applied to purchase a new vehicle ( and vehicle insurance ) and the dealership submitted my information to several companies that placed a hard inquiry on my credit report. I called the credit bureaus to see what can be done, they advised me to contact each company to have them sent me a inquiry deletion letter but the companies do not know of such a letter. I called the credit bureaus back for assistance and was advised of my options which are to obtain a letter of deletion, file a police report or contact CFPB. I did not want to file a police report.

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 2017-11-28
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
This is a loan that has been charged off since 2014. I have not made a payment since 2014, and this account has reported as closed/charged for a long time. Lately Navient has been reporting it as open, with a late payment report as well. This brought my credit from XXXX to XXXX. I have not called them, or made any agreements to pay off my outstanding debt, and I never will. I need to rebuild my life, and my credit. I am a single father, and I raise my child on my own. I ca n't buy a house for a long time because of this. Or even a new Car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C )

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 2020-12-17
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX Comenity Capital Bank sent a physical letter with bias and contradictionary answers to why they would not increase low balance credit limit. Included by not limited to they only deal with land owners ( which they gave the card to people who were not land owners ), and they don't consider themselves a bank " No open bankcards in your credit file '' I sent a leter but have not heard anything back yet. 
In regard to a credit limit increase i requested XX/XX/XXXX. for an account i have had open and had in good standing since XX/XX/XXXX

Company response to consumer: Closed with explanation