BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2021-08-05
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
{$2700.00} transferred by me via Western Union was not received by the recipient in XXXX. Attached is the bank account statement of the recipient that shows the Western Union deposits received by the receipient. A deposit of XXXX reais ( {$2700.00} ) scheduled for XX/XX/2021 is missing! 

I have written to Western Union and sent an appeal as they claim the funds were sent but have not provided proof

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Received two letters dated XX/XX/2020 for two credit card accounts from " CHASE Card Services '' and " CHASE Cardmember Services ''. Subject : " Update : You have only used some of the available credit on your Freedom account '' The body of the letter have my account ending numbers, my name and the following text : " In reviewing your credit card account, we saw you spent far below your available credit limit in the last 12 months. Because or your limited usage, we're lowering your limit to {$13000.00} 30 days from the date of this letter. '' The credit limit as of XX/XX/2020 is {$26000.00}. This action would reduce my available credit to less than half the current amount. 
Subject : " Update : You have only used some of the available credit on your CHASE SLATE account ''. The body of the letter have my account ending numbers, my name and the following text : " In reviewing your credit card account we saw that your payments are low compared to your balance, and you spent far below your available credit limit. As a result, we're lowering your limit to {$7200.00} 30 days fro the date of this letter. '' The credit limit as of XX/XX/2020 is {$14000.00}. This action would reduce my available credit to less than half the current amount. 
These actions would destroy my credit score which is currently at a range of XXXX ( XXXX  ) to XXXX ( XXXX  ) as of XX/XX/2020. This action would have a negative effect on all of my credit accounts and my credit score. 
Chase Bank set these credit limits, not me. I am being penalized for being a responsible customer. This is not fair, and should be illegal under the " Equal Credit Opportunity Act ''. I have 3 credit cards with Chase, one of which I requested. The other two accounts were with other banks which Chase bought and issued their credit cards. I have been a loyal and responsible customer of Chase for many years and this action is despicable. I would close these accounts but that would only do more harm to my credit score. I am being discriminated against for being a responsible credit customer. Chase has become a loan sharking company, if they can not collect late payment and sky high interest they destroy our credit rating. 
Please make the multi-billion dollar corporations subject to the law. American consumers are powerless to protect our hard earned credit worthiness under this system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Beginning on XXXX XXXX XXXX and through XXXX XXXX XXXX, I have been trying to lift the security freeze from my credit file with Equifax via calling them around the clock, literally every 20 minutes during their business hours. Everytime I speak with an agent over the phone, they are unsuccessful in lifting the freeze and would tell me to call back in 30 minutes due to the fact that they are unable to access my file and that their system is going through an upgrade. I have also tried their online website to unfreeze my credit file, but that was also unsuccessful and again I tried logging on and submitting the request every 20 minutes but to no avail. 
I have asked if there is a supervisor or manager that I could escalate my case to because it is a very urgent and serious matter. I have applied for a loan on a home purchase and my lender is requiring to see my credit scores from all 3 credit unions. I was able to lift my security freeze with XXXX and XXXX successfully. However, Equifax has been giving me a lot of trouble with it and my loan can not be processed unless my lender sees my credit score from Equifax. If Equifax does not lift the security freeze by Wednesday XXXX XXXX, XXXX, I will be losing my deposit on the house, which amounts to {$38000.00}, a big sum of money I can not afford to lose. At this point, I have sent two written requests to Equifax at the office in XXXX Georgia via USPS Overnight Service on both XXXX XXXX, XXXX and XXXX XXXX, XXXX. I have tracking numbers to confirm when they would have received my request. I believe by law, the credit reporting agency Equifax has only 3 business days after receiving my written request to lift the security freeze on my credit file. I do understand that at this time of filing the complaint with CFPB, it has not been exactly 3 business days yet since Equifax will have received my request, but I am informing CFPB right now in the anticipation that Equifax will not be able to resolve my issue in time. They have been extremely unhelpful on the phone and their website is n't very useful at all. I actually do not even feel confident, at this point, that they would be able to lift my freeze in time. I am filing this complaint in the hopes that CFPB can help me investigate and escalate this issue further with Equifax since this is a very urgent and serious matter and a lot of money is at stake here. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
ON THE LAST XXXX XXXX  PAYMENT OF OUR XX/XX/XXXX XXXX XXXX THE PAYMENT WAS OVER PAID. TOYOTA REIMBURSED THE OVER PAYMENT IN A TIMELY MANNER. THE PROBLEM IS, THAT ANOTHER XXXX PAYMENT WENT OUT AGAIN IN THE THE AMOUNT OF {$500.00} IN XXXX. TOYOTA HAS INFORMED US THAT WE HAVE ALREADY BEEN REIMBURSED FOR THE FINAL PAYMENT IN XXXX AND THE PAYMENT IN XXXX. WE HAVE BEEN IN CONTACT WITH SEVERAL SUPERVISERS WITH ANSWERS THAT MAKE NO SENSE. ONE OF THESE APOLOGIZED FOR THE PROBLEM AND TOLD US THE OVER PAYMENT WOULD BE SENT OUT AND WE WOULD HAVE A CHECK IN SIX TO SEVEN WORK DAYS. TOYOTA ASKED FOR DOCUMENTS FROM XXXX  THAT SHOWS XXXX  XXXX  DEPOSIT AND WE EMAILED IT TO THEM AS DIRECTED AND THEY SENT US AN EMAIL STATING THEY RECEIVED IT,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2017-12-22
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I accepted a 0 % balance transfer offer with discover, what they fail to mention is by accepting a balance transfer you LOSE your grace period on any and all purchases, even if you pay them off before the statement even cuts. There was a month I was charged {$2.00} interest and there were XXXX dollars in charges to the account that month. The months prior there were payments within the statement to cover any purchases

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-21
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:
XXXX, equifax, and XXXX has taken more than 30 day for my dispute a violation of the cra sent police report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im a victim of identity theft someone got my card and used it to buy stuff and now the company wants me to pay for it when I first noticed the faurd I contacted XXXX XXXX right away and let them know.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
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 is missing that should be on the report

Complaint:
I started a credit card dispute on my XXXX  XXXX and it was for " balance paid in full '' about 25 days ago and on XX/XX/XXXX my XXXX  XXXX credit card account was removed from my credit report and I called XXXX  XXXX and explain that I never wanted my credit card and there was glitch on XXXX  report or XXXX  XXXX made a mistake to have my account removed and I was told that I need to put it in writing which I refuse to do because I don't know what to put down ... not its not reporting on XXXX  and Equifax and XXXX  XXXX is unable to honor my request ... I WANT THIS ACCOUNT ' REINSERTED BACK ON MY XXXX  AND EQUIFAX CREDIT REPORT ... 

ACCOUNT NUMBER XXXX  XXXX XXXX XXXX XXXX THIS ACCOUNT HAS BEEN OPEN SINCE XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus keep reporting incorrect data on my credit reports. they are reporting addresses that are fraudulent.

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 2018-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Just checked again today trans union still has not taking off the 2-3 inquiries off my credit report. I did put on a credit freeze and fraud alert on my report they did not block these fraud inquiries at all! XXXX and XXXX did. One online account from trans union is reporting 3 inquiries. This website I can see the companies for the inquiries also when I make a disbut online my inquiries cant be added the the list. Just can edit personal information as in address and phone numbers.

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 2018-11-06
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to XXXX XXXX XXXX which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. XXXX XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Bread Financial Holdings, Inc.
State: LA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 Late 30 Days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
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: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern, I sent a multiple inquiry removal letter to Equifax on XX/XX/2018 by certified mail in order to dispute information in regards to some inquiries that were being reported on my credit report. I received the response letter back XX/XX/2018 .The response I received are all the same, " Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA rules, FCRA 623 ( B ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from it's file. The fact that I receive a response in less than a week after my receipt of certified mail, one can assume that there was no investigation into this matter. I plan to purchase a home next year and having this many inquiries on my credit report display as sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not SIGN for anything period. This is unfair practices by credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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: Account information incorrect

Complaint:
On XX/XX/XXXX I applied for a Mortgage account and I discovered that XXXX XXXX is reporting a Collection account on my Equifax report of {$2600.00} for past HOA fees. I have never been notified or contacted from this company regarding any fees or to get a chance to validate the debt. I filed bankruptcy and my HOA fees were paid through bankruptcy and also settled with an Attorney for the HOA. I contacted XXXX and disputed the information along with disputing to Equifax. I was told that they are only the messengers and that I would need to contact the HOA. I contacted XXXX XXXX XXXX and they stated that would look into it. I was contacted back and advised that noone indeed contacted me and that the amount on the Equifax report was correct. I submitted Bankruptcy paperwork to both parties and thats when communication stopped. Neither party will return my phone calls nor emails. I have noticed a change in the reporting. It is now reporting as an open account with a {$0.00} balance. It shows 11 late payments. This is grossly incorrect. HOA fees is not an installment nor revolving account. I should not have a pay history with this company as I am not in contract with this company. I paid the attorney for this debt, therefore it should not have been attempting to collect from 2 different Collection group at the same time. XXXX states THEY ARE NOT a collection agency, although that is the status on my Credit report. This is causing denial of credit, defamation, and I am seeking to have the tradeline REMOVED from Equifax for incorrect data, and violations of the FCRA and FDCPA for the state of Texas. The Surety Bond ( XXXX ) to collect debts in Texas for this company has expired.10/29/2019. I spoke with XXXX XXXX of XXXX XXXX and XXXX XXXX of XXXX XXXX ( XXXX ). I have been professional and amicable during this travesty of credit reporting. I am prepared to exhaust all options to have this corrected including suit in Civil court naming XXXX XXXX and XXXX XXXX as Defendants and seeking damages afforded to me by violation of Consumer Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am aware that Santander Consumer is being sued and I wanted to file a complaint against this company due to their fraudulent practices. As a former customer I financed a XXXX XXXX XXXX XXXX and was affected by Santander practices. Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. As a result I was one of the many customers who was stuck with a very high interest rate and my vehicle was repossessed in XX/XX/XXXX. This company engaged in deceptive servicing practices and misled us consumers.

Company response to consumer: Closed with explanation