BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been attempting to get pre approved for a mortgage for 3+ months. Equifax has my social security number paired with the wrong credit report, so when I give them my SSN it does not reflect my accurate credit report. They can see my profile using my address but my social security is not attached to me. XX/XX/XXXX they told me to fax a copy of my ssc and ID with a letter stating what I needed fixed. I have done this 3 times and not once have they updated my information or can even find the sent in documentation. I attempted this 3 times over the course of XXXX & XX/XX/XXXX. I followed up after the last sent documentation from XXXX XX/XX/XXXX. On or around XXXX XX/XX/XXXX they proceeded to tell me that they do not use fax and for the first time was told to send the documentation to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I sent the letter including all documentation on the XXXX of XXXX and still no result/ update of credit report. I need to get pre approved for a house because I am XXXX moving in XXXX and need to be in a contract by XXXX XXXX assuming 30 day closing time period. I have talked to 10+ Equifax agents and 3 supervisors and nothing happens. I even asked, although they do not fax anymore, if they could search the old faxes to find the proof of my social and name. Still to no fail nothing has happened or any sort of progress made. They are effecting where my family and I are going to live if they do not resolve this issue. Please someone help us. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
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: Their investigation did not fix an error on your report

Complaint:
My wife and I were XXXX from our chapter XXXX bankruptcy which included a reaffirmation agreement for our home mortgage in XXXX of XXXX. We noticed that in XXXX of XXXX, our mortgage company XXXX XXXX stopped reporting our payments to all 3 credit bureaus so we questioned our Bankruptcy XXXX. They told us that yes, our bankruptcy was XXXX in XX/XX/XXXX but our Trustee was still dispersing our tax money to creditors at that time so our file was still open but he had just finished so it was closing and XXXX XXXX would need to begin reporting and backdate. Well by XX/XX/XXXX, XXXX XXXX still wasnt reporting and I had already filed disputes with the credit bureaus about it on XX/XX/XXXX given case number XXXX with XXXX and XXXX with Equifax ( XX/XX/XXXX. ) On XX/XX/XXXX, they came back saying it was accurate information being supplied by XXXX XXXX ( XXXX XXXX was reporting that my account was reporting our account as closed and XXXX in chapter XXXX. ) I disputed a second time and attached a copy of our reaffirmation agreement explaining that it was NOT included in the bankruptcy and that it needed to be updated as open and current. XXXX  promptly deleted the entire account from my credit report. Equifax eventually updated the status to reflect our account as open and current, but doesn't show any payments made in XXXX. I emailed XXXX XXXX on XX/XX/XXXX with a copy of our reaffirmation agreement demanding they update our credit reports to reflect open and current as it has almost been a year and they are in violation of the Fair Credit Reporting Act. On XX/XX/XXXX, I spoke to XXXX from XXXX XXXX who assured me it would be fixed within a week and to call back on that following Friday. She marked our file Urgent. I called back a week later and spoke to XXXX, who told me marking it urgent meant nothing and that they would get to it when they get to it. Everytime I call them or email them, they extend the waiting period an extra 30 days. I called XXXX and questioned them deleting XXXX XXXX from my credit report instead of fixing it. They said that's their policy and they won't fix it until XXXX XXXX tells them to. XXXX XXXX keeps giving me the run around. I have a reaffirmation agreement that should have allowed it to remain on my credit report with payments being updated!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of thecreditoron a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX XXXXXXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, StateAttorney Generals Office, XXXX XXXX XXXX andFederal Trade Commission ).

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 2021-08-11
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: Investigation took more than 30 days

Complaint:
FCRA and FTC Violation ... I have contacted Experian on two separte instances by certified mail ( XX/XX/XXXX and XX/XX/XXXX ) requesting their investigations into these two collection account that appears on my credit report ( XXXX XXXX XXXX XXXX Acct XXXX XXXX & XXXX XXXX XXXX  Acct XXXX XXXX. I have requested full validation of these two accounts and asked Experian to show my signature on the account. As of today I have not received anything back from the credit bureau. Since it has been more than 90 days of my request for validation of the collections, I am demanding the removal of these two collections from my report by Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account info Account name XXXX, XXXX. 
Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXXXXXX XXXXBalance : {$3900.00} ; XXXX XXXX XXXX : {$470.00} ; XXXXXXXX XXXX XXXXXXXX Balance XXXX {$880.00} ; XXXX XXXX  XXXX Balance XXXX {$730.00} ; XXXX XXXX XXXX Balance XXXX {$1100.00} ; XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$7600.00}.

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 2019-03-27
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX called and left a voicemail message on my cell phone XX/XX/19 threatening to come to my job with legal documents, it was a very threatening message, the woman stated that I should " clear my calendar, I would be seeing her soon '' this is a very old card, it is time barred from any legal action. The callback number for the company is XXXX. I attached a WAV recording of the VM message I received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please delete this immediately. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$74.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$490.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I'm lock out of all my money. Online banking change something on Monday XX/XX/XXXX taxes day. They put 74 page read before they unlock your money. They said that they got the word on Friday XX/XX/XXXX. They DID NOT put anything out on Friday Sat, Sun, and lock us out on Monday. 74 pages of bull ... and words that only a atty would know. Why did they do this on the day that you need to move money??? Is they something that they don't want you to see. I still can't get my money. My taxes are not on time, bills are not payed. All this without notice ... why didn't they sent e-mails, put something on the web Friday??? WHY LOCK OUR MONEY TELL WE SIGN. HOLDING MY MONEY FOR RANSOM. YOU SIGN AND YOU GET YOUR MONEY. SOUNDS LIKE WE HAVE LAWS ABOUT THIS ... I CALL THE BANK AND THEY SAID YOU HAVE ACCESS TO MY MONEY. IT'S XXXX XXXX  AND THEY CLOSE AT XXXX. THE LADY DID NOTHING FOR ME BUT ABUSED ME ... I GET A XXXX ON THE PHONE TO UNLOCK MY MONEY TO PAY BILLS. AND I '' LL READ THIS LATER. WELL THAT WAS LIKE TALKING TO A ROCK. PLEASE GIVE ME ACCESS TO MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was applying for a new credit card at Discover and provided every bit of information that they requested including the all the documents proving identification. After speaking with an agent it came to light that it is required that I talk on the phone to confirm these details but I speech issues on the phone which makes talking on the phone very difficult and causes quite a lot of anxiety for me. I let the agent know that and they were respectful but did not provide another option and canceled the application. Just sad that discover could not be more assistive to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: NC
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:
The company, XXXX XXXX, has maliciously and illegally reported frivolous data to my credit report causing my Credit score to drop each day. They keep posting similar data maliciously and intentionally and have provide 9 days on two weeks, attached, for proof! Make them stop!

They have spammed my file over 20 times in one month.

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 2017-06-22
Company: Experian Information Solutions Inc.
State: IL
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:
Received unsolicited mail saying I was pre-selected to receive a loan of {$3100.00} and when I provided them with my name, address, ph #, name of employer, address, ph # name of bank, bank routing # and checking account #, length of employment, how long I have had my bank account, SS #, Drivers License #. I received a single line message saying my application was denied. I believe I may have been scammed & will closing my checking acct asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Tower Loan of Mississippi, Inc.
State: TN
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:
I HAVE A COUPLE OF HARD INQUIRIES ON MY CREDIT REPPRT THAT I DID NOT AUTHORIZE I DID NOT GIVE PERMISSION FOR MY CREDIT TO BE RAN AND I WOULD LIKE THEM TO BE DELETED IMMEDIATLEY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: SYNCHRONY FINANCIAL
State: CA
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:
Good Morning, I Am filing a complaint against Synchrony Bank for not holding true to their word on telling me that a credit that was put back to my account is permanent. On XXXX-17 I seen that a credit was put back on my account. On XX/XX/XXXX I spoke with a person online from the credit card company. They plainly told me in writing, which I have, that my dispute credit was PERMANENT. <P/>On XX/XX/XXXX I received a letter letter telling me that it was provisional, however I had already been told twice that it was permanent. First by the chat rep and second by a manager. <P/>I am holding Synchrony Bank liable for their actions. I am not willing to accept anything other than the credit as permanent since I had already been told very plainly that it was permanent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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: Information belongs to someone else

Complaint:
I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that Experian, XXXX and XXXX credit bureaus initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries as soon as possible : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.

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 2021-02-18
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I received a call from Credit Control LLC ( hereafter " CC '' ) stating that I have an outstanding balance of {$30.00}. CC stated that the debt originated from the company XXXX XXXX. During the call, I informed CC that I was disputing the debt as it had been paid timely. The CC representative informed me that I had to call XXXX XXXX  to solve the matter directly with them. 

On XX/XX/XXXX, I called CC and requested that CC mails me written documentation validating the debt, as it is my right pursuant to the Fair Debt Collection Practices Act ( FDCPA ). On the same call, I also provided CC with my home address. 

As of today, XX/XX/2021, I have not received any written documentation from CC.

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 2019-04-17
Company: AMERICAN EXPRESS COMPANY
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
American Express Serve is a card used by XXXX while filing taxes you can choose to have refund submitted on prepaid card. Well on XX/XX/2019 I received an email stating that there was possible fraud on my account. I clicked the link that stated it was not me. Then I called American Express and let them know to cancel my card and dispute fraud. I was informed that they couldn't dispute charges because they were pending and since it's fraud it may not go through. Then on XX/XX/XXXX the charges totaling {$300.00} went through and I called and submitted dispute. They told me to upload verification form and wait ten days to receive provisional credit. Now it's been more than ten days and no refund. I called three times and now they are saying it could take up to 45 days. This is unfair practices and I need my {$300.00} credited back this is fraud and I am being punished.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: MoneyLion Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This is about website and app " MoneyLion '' https : //www.moneylion.com. The app claims to be a financial app that allows you to create an " investment account '' to save/invest starting with small sums of money, however, once the account reaches {$150.00}, there is no way to retrieve the deposit of {$150.00}. There are many other questionable " membership '' practices involving applying for a receiving a loan that seem non-standard practice at best, requiring XXXX XXXX monthly membership fee to access *repaying* the loan. There are no clear indications anywhere on the website nor app that show {$150.00} of your deposited funds will be restricted from withdrawal. When MoneyLion was repeatedly contacted by phone, there are no humans answering, through a vague and redirecting automated menu. Contacted by email has led to no response, and online " chat help '' redirected to the XXXX number ( XXXX-XXXX-XXXX ). Also, I am unable to access anywhere my actual account number on the " Investment Account. '' I can only provide the associated " Checking Account '' number.

Company response to consumer: Closed with explanation