BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: MS
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2018-05-05
Company: EQUIFAX, INC.
State: NY
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:
Equifax refuses to delete an account in violation of a court order. The court ordered XXXX to remove the trade line from my account and make no further reporting, XXXX continues to report and Equifax continues to accept this reporting for monies that I never owed XXXX. This account should be deleted from my report. It has already cost me thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: NATIONSTAR MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I changed my insurance on XXXX XXXX. They failed to recompute the escrow in a timely fashion. They also paid both insurance companies. I sent both the principle and interest and the money they told me I needed to replenish escrow. They made several other errors/slow calculations/mishandling of escrow funds that took over month to straighten out. Even though I had sent them more than enough money to cover my principle/interest and escrow, the reported me to the credit reporting agencies as having a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: BARCLAYS BANK DELAWARE
State: NC
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:
While on a flight on XX/XX/XXXX, I was incented to apply for a credit card with Barclays bank to get XXXX bonus miles the first time I used the card for any amount ( " welcome bonus '' ). Subsequently my application was approved, I received the card in the mail, and activated it without a problem. The first time I attempted to use the card at a local merchant on XX/XX/XXXX - the charge was declined. I tried using the card again the same day at another merchant with the same result. On XX/XX/XXXX I spent 30 minutes with their customer service call center to finally get an answer that my card was not able to be used until I provided 'know your customer ' documents by mail to the bank in spite of already being a Barclays customer with another open credit card. And, the Security department is not open on Sunday so I would have to call back. I requested confirmation in writing of which documents would be acceptable to clear the XXXX and be able to use my card. 

I was traveling internationally during the following week and attempted to use my other Barclays card on XX/XX/XXXX and that charge was declined. I called the Customer Service number again and was told they couldn't help me and I need to call a different number. That resulted in a call to a call center with a 90 minute wait time, directed to their customer service website that has no option for providing any XXXX documentation or list of acceptable documents. 

So now adverse action has been taken on both of my credit card accounts ( no access to my available credit ) without a solution or any documentation on why ( no written direction was received after my XX/XX/XXXX request for how to lift the block on my card ). I also have a specific timeframe to use my card to get the promised XXXX miles in my airline account and no way to use my card to get them. This also feels like a bit of bait and switch, there is no apparent reason for my account to have been flagged for XXXX documents since I'm an existing customer. And the clock is ticking on me being able to get the reward.

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 2023-03-01
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:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a business credit card with XXXX XXXX XXXX. due to Covid 19 I lost my business, and all of my income, I tried to make payments throughtout the panemic, until I no longer could afford the monthly payments. XXXX has been reporting this information to my personal credit report as deliquent, and account closed, with a late status of XXXX of credit card debt which belongs to my business. This has really affected my personal credit rating. I am trying to recover from the effects of covid 19 and get back on track. I have spoken to XXXX as well a Experian Credit Agency to try and get the problem resolved, I keep putting in disputes complaints with Experian and nothing has changed. 

The credit card is a XXXX XXXX XXXX XXXX XXXX Credit Card XXXX is 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 2018-04-03
Company: Riverwalk Financial Corporation
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: Their investigation did not fix an error on your report

Complaint:
I originally had an account with XXXX that has been paid in full. I have documentation show that the account has been paid in full. XXXX is also reporting a {$0.00} balance. This company named XXXX XXXX XXXX is somehow reported that I owe them {$54.00}. I have requested this be removed from my credit report. XXXX XXXX XXXX has refused to do so. I have made several attempts to contact the company, but no one has responded to my letters, phone calls, and emails. Please have them remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The Items I need deleted are listed in the report. I am a victim of Identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of y identity to the federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please Delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint is NOT A DUPLICATE COMPLAINT but a complaint because I do not receive explanations of refusal or denials for my complaints and requests from XX/XX/XXXX Transunion, and XX/XX/XXXX. Nothing. No letters of explanations, no phone calls, no reasoning, no positions ; nothing. I do receive letters from the Credit Reporting Agencies stating that they have forwarded to XXXX XXXX XXXX XXXX who claim that adhere to the Fair Credit Reporting Act ( FCRA ), by reviewing the accuracy and completeness of any disputed item. But they do not do this but simply rely upon XXXX XXXX XXXX XXXX who ignores and deletes all complaints and requests. I have made many complaints against XXXX XXXX XXXX XXXX regarding permissible permission to access my private information that led to a forged loan in XX/XX/2017. However EVERY ONE of my complaints and requests are deleted by simply labeling the requests as duplicate. THE PRIVILEGE OF RESPONDING IS EVEN TAKEN AWAY FROM ME WHEN THEY LABEL AS DUPLICATE. XX/XX/XXXX did send a copy of a forged BUT undated and incomplete application that I guess is their proof of permissible permission that clearly states at the top that incomplete applications are not to be processed. But they do not explain if this application was their proof of permissible permission and why they believe it is valid. Nothing. One of the Credit Reporting Agencies have claimed permissible permission is not required if the results were a loan that benefited me. I had to quickly point out that I received NOTHING from the loan that was a forgery plus I sent sheriffs reports, IRS fraud affidavit, information on the felon who did this but XXXX XXXX XX/XX/XXXXdeletes and the credit reporting agencies feel they fulfill their obligation by sending form letters. XX/XX/XXXX will without a doubt delete this complaint because they are a very big company that doesn't have to follow the laws.

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 2021-01-23
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:
All three Credit Bureaus. XX/XX/XXXX, and Equifax are reporting inaccurate information regarding my account with XXXX XXXX XXXX, XXXX. DOLP and account balance are inaccurate. 

Both Equifax and XX/XX/XXXX has responded, but XX/XX/XXXXhas not responded from last compliant on balance and DOLP reported. The balance of {$4900.00} is inaccurate and the DOLP is inaccurate. 

All information provided will be used along with this complaint against all three Bureau in legal action big not corrected ASAP. I'm a litious consumer. This is a violation of my consumer rights and has affected my credit report and credit utilization negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: CA
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:
according to 15 USC 1681 i have the right to privacy i did not give written permission for these creditors to furnish these accounts. 

XXXXXXXX XXXX  account no. XXXX ...... 

XXXXXXXX XXXX XXXX  account no. XXXX ...... 

XXXX account no. XXXX ..... 

XXXX account no. XXXX ...... 

XXXX  account no. XXXX ..... 

Therefore all these accounts need to be deleted from my credit reports by law immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: U.S. BANCORP
State: NH
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:
Purchased, by phone, two chairs on XX/XX/XXXX. Never received the items ordered. When informed the Bank originally refunded the amount charged and interest. Subsequently the refund was reversed and the charges were reapplied to my account. 

The bank sent me a copy of two pages of a seven page FAX they received from the shipper which does not specify by name where or to whom the claimed delivery was made. 

I filed a police report in which both the merchant and the shipper stated the items were never shipped and were never delivered. 

I notified the Bank and sent them a copy of the police report. They have refused to adjust my account or even to acknowledge the report. 

I was able to contact the merchant who told me the funds had been removed from his account in XXXX of XXXX. 

I contacted the office of the president of the Bank, several times, and have received replies from agents identified only by first name. 

I contacted the office of NH Senator XXXX. An assistant from that office agreed to try helping me. The Bank did not change their position after hearing from Senator XXXX office and have refused to credit my account. This inquiry was acknowledged by a letter on XX/XX/XXXX. 

XX/XX/XXXX I received a letter from the bank saying that a refund was forthcoming. XX/XX/XXXX I received another letter saying there would be no refund.

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 2023-07-07
Company: BMW Financial Services NA, LLC
State: NV
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it XXXX have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I previously had a negative report from XXXX XXXX XXXX  which was invalid. I disputed this with XXXX  and they agreed and deleted it from my credit report. This was under reference # XXXX Months later, the same amount appears as a negative report on my credit report, this time under a company called LVNV, XXXX XXXX with original creditor as XXXX XXXX XXXX. I have been trying, for months, to have LVNV correct this, with no success. Alternatively, I have also disputed this through XXXX  a couple of times and it had resulted as shown as updated and never any further, not deleted or removed, as it should be. I would like you to please review the proof in which the above reference # will show this was deleted from my report and clearly LVNV was sold this account in the meantime and now they have it back on my report when it should not be. Thanks for your time and review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: IN
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. section 602A states I have the right to privacy. 15 U.S.C. section 604A section2 also states a consumer reporting agency can not furnish an account without my written consent. In accordance with the fair credit reporting act, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. section 602A states I have the right to privacy. 15 U.S.C. section 604A section2 also states a consumer reporting agency can not furnish an account without my written consent. furnish an account without my written consent. 



In accordance with the fair credit reporting act, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. section 602A states I have the right to privacy. 15 U.S.C. section 604A section2 also states a consumer reporting agency can not furnish an account without my written consent. Furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I disputed a claim on my report for XXXX XXXX XX/XX/XXXX again disputed the same said claim on my report for XXXX XX/XX/XXXX disputed the said same once more for XXXX on my report. 
The same generated response. 
-- -- INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX I would like to be shown proof of the accuracy, not just a generated result. The account in question is from a purchase with XXXX for a truck that became a lemon but was a re-sale, so it had no recourse. I in-turn after over {$150000.00} in continual repairs at the last place, where I could not afford to repair a 3rd engine, called XXXX and explained where the truck was, gave the contact of the tow yard, and which they said they would obtain the truck, sell it, and send me a receipt for unpaid balances since I only had only 11 months left to pay off. 
Contact was made to XXXX again about 6 months later, in which they said they were getting the truck. One year later, the owner of the tow yard said they had never picked up the truck, and therefore they had to sell it to recoup losses ; abandoned. Now, it says an amount that is not what was discussed, but they had left the truck there, without telling me anything, because I could have sold it, and paid off my debt. I have no knowledge therefore of this debt since the truck was given back to the lender ( XXXX XXXX ), and I have not received anything to a fact of their receipt of the asset, and or sale of it, so therefore this debt is considered inaccurate, and they have not shown proof of anything, just a generated message. Transunion is only using the lines of the bare minimum, yet this has been the same generated message for results since my dispute. I am requesting that it be removed immediately since no proof of said debt has been proven, i.e. signatures, amounts, debt service dates, and/or reason as to why the truck was not obtained and/or sold at auction. 
Also, my credit report is clean and over XXXX, I have no other issues with other bureaus but Transunion, who also had decreased my score, XXXX points for no known reason, as I have no collections and no balances, credit surpassing {$90.00}, making no sense. I find Transunion to be deceptive. I also contacted them regarding addresses on my account which are incorrect, and names being incorrect, by which they allow no way to cure.

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