BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX student loans attempted to contact me via multiple phone numbers ( which I thought were scam likely numbers ). Without communicating with me, the company reported a delinquent payment that significantly decreased my credit score. I am requesting a removal of the credit flag as I have entered a payment agreement with XXXX due to losing my job amidst the Covid-19 pandemic. Also, since this is my first time dealing with a delinquent payment to XXXX and due to substantial hardships the pandemic presented, I am requesting leniency with the confirmation that I will make future payments on time. XXXX has only provided 4 months of emergency disaster forbearance and I still do not have a job. My other student loan lender ( XXXX ) has agreed to enter a similar payment agreement so I hope XXXX can be accommodating given these circumstances.

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 2021-11-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting a freeze be placed on my credit report due to a possible breach of my account and my identity being compromised. I am requesting a security PIN be sent to me form XXXX, Experian and 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 2021-04-29
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Start refinance in XX/XX/XXXX. Submitted all proper documentation to lender to start refinancing. Always submitted updated documents on time. I was assigned three different processors since the start of the refinance until present day, XX/XX/XXXX. Never received updates on refinance or notification that my loan a refinance was being handled by a different processor. It was only discovered after numerous phone calls and emailing her escalation department regarding the matter. 

I notified loan officer my my concern at the rate lock expiration date. I was promised of a rate lock extension if the loan did not close in time. Now rates have gone up and no longer qualify for the original rate that was locked in XX/XX/XXXX. 

Now Im getting closing disclosures with different figures from the original closing costs from XX/XX/XXXX. They are being deceitful and theyre closing disclosures regarding the cost and attempting to charge me buydown fees for the rates. 

I have kept all documentation and emails sense initiating a refinance process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I experience the worst customer service ever. I have never receive such degrading, belittling, discriminating service. I called today regarding 2 fees I received and tried to explain t the rep and manager XXXX XXXX that I check my account yesterday and it was not negative. When speaking to the rep I was advised this was due to the charges processing and this is not reflected on line. However once escalated, XXXX XXXX basically told me I was a liar and I NO system at BOA EVER has glitches. I admit this statement made me very irate as I hate for someone to lie. I was told by my co workers who are a different race they call ALL the time and our granted fees with no hesitation however I was treated poorly. I understand that my account is a non factor as I am aware I don't keep a lot of funds in this account however I have been a loyal customer and expect to at least be treated fair. For your rep to basically call me a liar after I offered proof is not only disappointing but unacceptable and confirms the discrimination I received. The only reason I decided not to close my account at this moment is due to me providing my account number for a huge deposit I am anticipating. However, I have sent the company an email requesting to change my information. In addition, I will be reaching out to anyone I know BOA has no integrity. XXXX should not be representing your company unless this is what your company is

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 2020-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened an account with Capital One with the understanding that there was a rewards program. I have now accumulated {$440.00} that I would like to be paid. I have requested multiple times that they send me this money however they claim there has been fraud on the account. I can see no such evidence of any fraud. They initially asked me to take pictures of my drivers license and send these to them via text, which I did on multiple occasions. They claim that they did not receive these images. Then they said that I could send them a copy of my drivers license via email however they have never sent me an email that I could respond to. It has become apparent that Capital One has no intention of paying what they owe me and furthermore every time I try calling their XXXX number I end up on hold for 30 minutes or more and their customer service personnel are less than helpful. One could say that they go out of their way to be difficult. At this point I am closing my account with them but feel that I have been scammed out of {$440.00} and am owed that amount plus damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
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:
SOMEONE OPENED A PAYDAY LOAN UNDER MY INFORMATION ONLINE ... I DONT KNOW WHEN OR HOWS MUCH, BUT IT IS ON MY CREDIT REPORTS.. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2020 I attempted to log in to my online account with Discover Card only to find out that my access has been restricted due to a routine identity verification check. I was told I would receive an email with instructions from an individual at Discover with instructions to submit to the IRS in order to verify my identity. I was also advised that my charging ability would be restricted or suspended until the IRS responds, which i was told could take several days to weeks due to the pandemic. These adverse actions were taken by Discover despite not sending a notification in advance to make me aware. 

As far as I'm concerned this action is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
There is no transparency : -No monthly statements, no payment history. 
-Attempts at online payments generate a pop up window that declares " online payments not available at this time ''. 
-My starting balance was {$3500.00} in XX/XX/XXXX, my current balance is {$3800.00} as of XX/XX/XXXX despite having made six on time payments of {$180.00} for a three month total of {$1100.00}. Even at an APR of 129.776 % the balance should not be growing. 
-Agents can not answer questions about why a balance is going up rather than down. 
-Emails are not replied to. I sent several emails regarding a payment issue, the last on XXXX XXXX and as of XXXX XXXX have yet to receive a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
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:
Hello I am very distressed about this information on my report, I have been trying to dispute this with the bureaus and its been well over 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Experian Information Solutions 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 sent XXXX and experian proof of identity theft and fraudulent accounts and fraudulent inquiries and fraudulent address and still no response and they haven't remove anything from 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 2020-09-01
Company: Academy Mortgage Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my home with a loan serviced by Academy Mortgage on XX/XX/2020. After closing, I called Academy Mortgage to inquire about our refund and provide a new address. We left 10 days prior to the end of the month of our last payment to Academy Mortgage, and had at least {$1600.00} in our T and I balance per our XX/XX/XXXX statement. On contacting Academy Mortgage, they informed me that they in fact paid some at my closing -- -which was certainly impossible as the amount issued by the title company at closing was significantly higher than the last account balance on our statement -- -and that they actually covered some of our final cost. I asked about our escrow balance for tax and property insurance, and they told me that they had already sent the check to our insurance company for a policy that would start XX/XX/XXXX and that any refund for that would come from the insurance company. I asked if they could please cancel the check and they said that they would try, and would then send our refund. Now we are a month and a half later, I have been looking for our refund, and finally had opportunity to call Academy Mortgage again. They informed me that they could not give me a certain answer. I pressed as to why, and I was told that the man I spoke to previously said the same thing as before. He did not acknowledge that he told me they would request cancellation on the homeowner 's insurance check. I then followed up my the insurance company, and they said that the funds for the policy -- -that never should have started in the first place -- -have not gone through. Academy Mortgage is lying to us and avoiding sending us a refund due on our mortgage. I don't know what the refund amount is meant to be, because Academy Mortgage never sent us documentation to show the closing status, and this is  not available online either. I do not know how much they owe me. The person I spoke to at Academy Mortgage today did seem more reasonable than the last, and said she would look into it and reply tomorrow. She seemed honest, but because she seemed to answer to dishonest others, I am not confident they will do the correct thing and provide my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: NJ
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 several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
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: Was not notified of investigation status or results

Complaint:
I am extremely furious and I pray that you can help get this letter to the bureau. I've sent numerous letters and was never notified of the results. The dates are XXXX and XX/XX/2020. At this point, its been over 60 days. I'm pretty sure that this violates my consumer rights!!! CFPB Please help with this issue!!!! I have the FTC following responses closely.

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 2019-05-29
Company: Experian Information Solutions Inc.
State: IN
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:
On XXXX Credit Card account ending XXXX I settled and closed this account in 2013. The high balance was {$1600.00} ( see attached statement dated XXXX ). After agreeing to settle and close the account XXXX has continued to report a high balance of {$13000.00}. I have disputed this many times to all 3 reporting agencies. Last fall I initiated a dispute with CFPB which triggered a change in reporting. However, Now XXXX is reporting a high balance of {$13000.00} in XXXX ( see attached report from XXXX  ). Not only are they still WRONG they have moved the date this will clear from my credit reports 4 years into the future further damaging my credit. Please help me get this cleared up. It is high time this account is completely removed from my credit reports.

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 2019-08-14
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
After a recent name change, I promptly changed my name with my creditors ( banks, credit card companies, etc. ). As a result, my new name has been reported to all major credit bureaus. While the other credit bureaus handled this new information smoothly, Experian messed up my credit file. Specifically, my Experian credit file was split up by mistake into two separate files, one under my former name, and the other under my current name, even though both share the same SSN. This split-up led to the loss of my credit history with Experian ; the new credit file that Experian mistakenly created for my new name only contains 5 of my accounts, even though I should have about 45 accounts. 

I called Experian customer service several times on XX/XX/XXXX XX/XX/2019 to request them to recombine my two split-up files so that the missing credit history could be recovered. However, Experian customer service refused to do so, and they insisted naively that I need to do a name change with Experian by submitting my proof of name change. 

Experian customer service agents failed to comprehend the situation. There is no need for any name to be changed. I have already submitted my proof of name change to my creditors. My new name has been reported to Experian directly from my creditors with the exact same SSN, home address and account numbers. Experian has already known both my old name and new name, and both names are listed under the same SSN and reported under the same address ( I have not moved in at least three years ). The root cause of this issue is that Experian 's buggy computer system mistakenly created a new credit file for my new name instead of adding my new name to my existing file. What they need to do is simply to combine my two separate credit files ( under the same SSN ) back into a single file, as I have requested them to do repeatedly over the phone. ( By the way, upon checking my credit report from XXXX, I found that XXXX correctly added my new name to my exiting file without causing any problem, using the same information received from my creditors. ) In fact, even their own website says that after changing your name, " All you have to do is have your lenders change the name on your existing accounts. Your new name will be updated automatically when the account information is next reported, usually at the end of the billing cycle. '' Link : https : //www.experian.comXXXX

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 2021-02-25
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: Investigation took more than 30 days

Complaint:
I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my 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 2021-02-25
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I'm receiving debt collection calls to my work phone from a debt collector I do not know. It's Penn Credit Corporation and the number on my work caller ID is XXXX. 

I'm in a open area at my office and I don't want to be heard talking to a debt collection company, let alone one I don't even know. 

I receive about 2 to 3 calls a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation