BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: Experian Information Solutions 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-13
Company: EQUIFAX, INC.
State: WI
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:
This has been an ongoing problem for a few years now. Equifax keeps saying i have not applied for credit, not used it or simply am not a US citizen. Untrue because i have credit reports with XXXX and XXXX. I have sent them my personal information many times, via mail and fax. To be able to verify who i am. The other credit bureaus have no problem showing me my credit scores. I even went as far as to contact all my credit cards and student loans to verify that they are infact reporting to Equifax every month, so I'm co fused as to how i can not have credit through them. But now because of Equifax refusing to give me my credit score because they can not verify who i am, i am unable to get a house mortgage. And i refuse to send them all my personal information again for like the 9th time just because they can't do their job correctly. I call and call and they all give me the same lame go around, " if you could send us your personal information via fax or mail we can verify your identity '' untrue because I've done it multiple times already and each time they say the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I received a voicemail from unknown number stated they were going to serve me papers and if I wasnt home to get served that would be Me admitting the debt owed. 
I returned their phone call XXXX with reference number XXXX. Spoke to XXXX XXXX- he knew the last 4 of my social. My previous address and current address. He said I owed Huntington Bank {$980.00} in overdraft. I stated I havent had Huntington this is fraud. He said when I am served the papers that it will tell me how to dispute. 
I was never served time and day he said they would be there. 
I called him back like Im concerned because I know its Fraud and I wanted details of fraud. Why was I never contacted in mail and now its going to court. 
He said he was XXXX XXXX department and the collection agency wouldnt have my current address. 
He lost his temper really fast when I tried to get documents on this debt. 
He yelled at me and said Do I need to spell this out for you and when I said Yes. 
He Yelled good luck in Court and hung up. 
I contacted my local Court and there are no pending papers to serve me and no documentation of this civil suit or debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Experian Information Solutions Inc.
State: CA
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: Billing dispute for services

Complaint:
Experian Credit Reporting service debited my monthly membership ( {$21.00} ) 14 times in one day on XX/XX/2018for {$300.00}.

I called to complain ( where i was in hold For almost 1.5 hours ) and was subsequently promised refund in 2-5 business days. Following week no refund. Then i was finally refunded but for only 12 of those debits. I XXXX my issue on social media ( XXXX ) where i receieved a generic response. Direct messages on twitter followed where i was directed to email their billing address. Then a week later another debit from my account. So that is 15 times in one month.

I have emailed twice now requesting a refund and to cancel membership but no reply. Today there have been a further two debits from my debit card from experian!

I have tried calling today and there was an esimated. 3-5 minuts wait time. I have been waiting on hold form1 hour 21 mins so far!

They have now debited almost {$400.00} from my bank in 1 month. I can not cancel, can not reach anyone to help and i want my money back!!! This is surely a crime?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CFPB NEVER INVESTIGATED THE SUBSTANTIATED DOCUMENTS AND INFORMATION I PROVIDED THE FIRST TIME! 

CFPB REPORTED I SUBMITTED THE SAME CLAIM. IF THAT IS SO, Why Didnt I get Specific answers to questions and accusations I posed. 

I dont believe CFPB Never investigated the Verifiable information I handed in. NOR DID I RECEIVE THE SPECIFIC ANSWERS TO WHAT BACKUP CONTACTS, DOCUMENTS, AND DID NOT CONTACT THE MANAGERS NAMES, with PHONE NUMBERS I PROVIDED THEM WITH. 

-CFPB NEVER PROVIDED ME WITH ANY SPECIFIC AND DIRECT FEEDBACK TO THE QUESTIONABLE BUSINESS PRACTICES OF FAY SERVICING. I EVEN HIGHLIGHTED THE DOCUMENTS FAY SENT ME WITH CONTRADICTIONS THAT WERE MADE WITHIN DIFFERENT DEPARTMENTS OF FAY. 

-FAY SERVICING HAS BEEN INVESTIGATED AND FINED FOR MANY OF THE SAME REASONS I PROVIDED WRITTEN DOCUMENTED PROOF OFF. 

-I BELIEVE CFPB IS A PAPER TIGER AT BEST THEY APPEAR TO WANT TO ONLY BIG CASES THAT THEY CAN PUBLISH AND RECEIVE ACCOLADES FOR! 

I BELIEVE THESE INSTITUTIONS ARE AWARE THAT THERE IS NO REAL RECOURSE OR CONSEQUENCES TO THEM. 

THEREFORE THEY CONTINUE WITH THE SAME PRACTICESWHY? BECAUSE THEY KNOW THEY CAN WITHOUT SIGNIFICANT CONSEQUENCES ( WHY WOULD THEY CHANGE, THEY CAN MAKE MORE THEN THEY CAN LOSE USING THE SAME TACTICS AS WHEN THEY WERE FINED WITH NO SIGNIFICANT RECOURSE. 

THE FINANCIAL INSTITUTIONS THAT USE FAY ARE AWARE OF FAYS DUBIOUS BUSINESS PRACTICES. THESE FINANCIAL INSTITUTIONS GET THEIR NEGATIVE REPUTATIONS AS THEY TURN THEIR HEADS AND -MINIMIZE THE TRUE HARM AND DAMAGE THEY ARE PROMOTING BY HIRING FAY SERVICING. THEY KNOW, BELIEVE ME THEY ALL KNOW WHAT IS REALLY GOING ON AND DO NOTHING TO STOP IT WHY SHOULD THEYTHE FINANCIAL INSTITUTIONS KEEP MAKING MORE PROFITS THEN EVER BEFORE. THEY FACE LITTLE OR NO CONSEQUENCES FOR THEIR ACTION CFPB IN ESSENCE IS HELPING THESE MORALLY BANKRUPT FINANCIAL INSTITUTIONS BY NOT INVESTIGATING THE SMALL AVERAGE JOES COMPLAINTS. 
-AND AND -THE FINANCIAL INSTITUTIONS KNOWS THIS. THEY USE CFPB AS A SUPPORTIVE ORGANIZATION FOR THE QUESTIONABLE PRACTICES THEY USE. 
-MUCH APPRECIATION TO CFPB FOR PRETENDING TO PROTECT THE PUBLIC -IN ESSENCE CFPB IS COMPLICIT FOR APPEARING TO HELP US THE LITTLE GUY, YET ARE NOT WILLING TO MAKE THE HARD AND TOUGH DECISIONS NEEDED! 

Is CFPB AFRAID OF REPERCUSSIONS FROM THESE INSTITUTIONS. 

XXXX BELIEVE THEY ARE SCARED STIFF OF THEM! 

-CFPB THE PAPER TIGER WITH NO BACKBONE! GOOD RIDDANCE TO THEM AND THOSE THAT PRETEND THEY ARE HELPING THE COMMON AMERICAN ( The Little Guy and Average XXXX  -Regardless that CFPB IS UNLIKELY TO PRINT NEGATIVE COMMENTS ABOUT THEMSELVES IF NOT ME WHO You can RUN CFPB, FAY , and THE BANKS -BUT YOU CANT HIDE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: MS
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:
I recently got copies of my credit reports, the following are hard inquiries on my account not authorized by me. 

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

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 2020-11-30
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
From the time of application our closing date was always XX/XX/2020. Our closing was delayed 21 days due to not only processing delays but also caused by the COVID 19 pandemic, which slowed down the SS Administration and we were forced to stay in a motel for the entire time, costing us {$2100.00}. In addition, we had 2 ( two ) 26 ft XXXX trucks and a trailer which cost us {$3500.00}. 

When the appraiser went out initially and was at the property, he got a call and was told it was cancelled ( this is per the listing agent ), then the appraisal had to be reordered, which caused even more delay. There was a condition for a judgement to be paid prior to closing that our realtor asked from the time the conditions were received if it could be paid at closing as it would need to be paid from the proceeds of the sale of our home. They did not respond until the day before closing and had to get an exception to get this moved to an at closing condition. 

We were never contacted by the loan processor until the very end and tried to go through the Customer Service area to request reimbursement for above expenses totaling {$5600.00}. We feel BBVA should reimburse us 100 % to make us whole for this horrible experience. 

We submitted the receipts to the BBVA Customer Service Experience area. We were contacted by XXXX XXXX was told that the appraisal being cancelled was our fault, which caused the delay. We did not cancel the appraisal and feel they should have to take responsibility for the lack of communication and processing delays, emotional and financial distress they brought on us during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was working for XXXX XXXX and am no longer working for them. I signed up for COBRA for vision/eye care. I signed up for direct deduction from my checking account on XX/XX/2023. At this time I had my account debited for {$72.00}. Then on XX/XX/XXXX I was also debited {$72.00}. The company listed for the debit on the account is listed on my statement as XXXX XXXX XXXX XXXX. I brought this to XXXX customer service and they were unable to see the deduction on XX/XX/XXXX. I sent several copies of my bank statement but they could not open it. I eventually contacted Chase and they challenged and removed the charge from XX/XX/XXXX. XXXX then recharged the amount + the next 2 months which totaled {$100.00} but still has not acknowledged the deduction of {$72.00} on XX/XX/XXXX. Chase refused to remove/challenge the XX/XX/XXXX charge and told me to speak with XXXX XXXX tells me they do not see any money received from my account on XX/XX/XXXX and tells me to deal with my bank. The last email from XXXX XXXX at XXXX acknowledge everything but the XX/XX/XXXX deduction of {$72.00} and was sign at the end with TAKE CARE. I am caught between 2 entities that want me to deal with the other and will not contact each other to assist. XXXX is stubborn and refuses to acknowledge transaction they can not see and Chase is unprofessional in refusing to assist a long time customer even though they have the proof that I need. XXXX has acknowledge receipt of my bank statement but has still not addresses the XX/XX/XXXX deduction. There are 2 XXXX case # 's because they closed the first and had to open a second when I complained again XXXX First case # XXXX and second # XXXX Chase claim # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
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:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 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 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/2020 and XX/XX/2020 I sent letters to XXXX to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted. After 30 days there was nothing sent to me to and items still show on my report. As of today XX/XX/2020 have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
On XX/XX/2023 i got a fraud alert on my XXXX XXXX transunion consumer reports. i immediately gave both agencies a call about this fraudulent hard inquiry. they informed me that the fraudulent hard inquiry would be removed within 24-72 hours. i provided both companies with an FTC report, CFPB report original copy from XX/XX/XXXX, XXXX i also made reports with the XXXX & Attorney General of Oregon complaint center.

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 2023-04-13
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account information incorrect

Complaint:
I have an account that needs to be updated to the correct status. I had a joint account with my son XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXXXXXX the account was reported to CHEXSYSTEMS on XX/XX/2022. This account has been resolved. PAID IN FULL.My Consumer ID is XXXX for XXXX XXXX in the CHEX SYSTEM DATE BASE.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: FL
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I has sent multiple letters over the last 3 month trying to make transunion and XXXX  follow the law. First letter was received by transunion on XXXX. XXXX received theirs on XXXX. Second letter received by transunion and experian on XXXX. Third letters were received XXXX by both credit bureaus. Fourth letters received XXXX. All of these letters demanding several accounts be removed from my credit report as transunion and XXXX are in violation of : 15 USC 1681 section 602A 15 USC 1681 section 604A sec 2 15 USC 1681c a5 15 USC 1681s-2 ( a ) ( 1 ) I have made every attempt to settle this matter outside of court. The bureaus simple refuse to follow the law. I am demanding one last time that the accounts i ask them to delete from my report be deleted immediately. Otherwise i will have no choice but to file a claim against transunion and XXXX  for multiple violations of the FCRA, the ECOA, and the Privacy act. XXXX had no problem following the law and removing these items. Transunion and XXXX must follow suit and do the same as they are all required by law to report accurate information. All three reports must match. 
30 days is almost up and they have not removed the items from my credit report. They are giving me no choice but to file a claim against them.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
in accordance with the fair credit reporting act this creditor has violated my rights, under 15usc1681 section 602 states I have the right to privacy 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15usc1666b a creditor may not treat a payment on a credit card account under open consumer credit plan as late for any purpose

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 2023-04-13
Company: EQUIFAX, INC.
State: WA
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:
A loan/credit card from XXXX XXXX is showing up on my credit report from XXXX. I was born in XXXX, which would make me XXXX XXXX XXXX and not of age to concent to someone using my social security number. Neither of my parents authorized this as well. XXXX XXXX says they cant find anything with my information on it and therefor will not help resolve the issue of it showing up on my report. I am in the process of purchasing a home and this negative mark is preventing me from the purchase. I dont have the luxury of waiting for this to be resolved, it needs to be done immediately so Im able to show an accurate number for my credit score. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions 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:
On XX/XX/22 I sent certified mail to each credit reporting agency, XXXX, Experian, XXXX. I never received any response from the credit reporting agencies. I resent another dispute letter again on XX/XX/22 and still never received a response. I confirmed that my proof of address and all documentation was correct, which it was, however, I have still not received any response in regards to the inaccurate information that is reporting on my credit report and need to be removed immediately.

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