BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 35 days. I feel as though im being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 35 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Please refer to prior complain which has the following resolution. Please expedite this complaint. 

XXXX. Documents available. 

Company 's Response We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better. We aim to give exceptional service and are sorry if we did not meet this goal. We received your altered check claim for {$4200.00}. We received a completed affidavit, but the required documentation was not completed correctly and the claim was closed. We received the completed required documentation from you on XX/XX/2023, and we reopened the claim. On XX/XX/XXXX, we sent the altered check claim to the bank of first deposit ( BOFD ), Bank of America. This type of claim can take 90 to 120 business days from date of first contact or more as we are dependent on the BOFD to do their research and give us the funds to reimburse the account or documents stating that they did negotiate the check properly. At this time, all major banks are delayed in responding to these cases so it is possible it may take longer than anticipated to receive a response on this matter. Your claim is still under review and we will contact you when the claim decision has been finalized. We respectfully decline your request for a refund. The funds are only returned if we recover them from the BOFD. You also have the option to resolve this matter outside of XXXX. We apologize for the inconvenience this matter has caused you.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to file a formal complaint against Experian, one of the major credit reporting agencies, for their failure to adhere to Metro 2 compliance and for their violation of the Fair Credit Reporting Act ( FCRA ). Furthermore, I wish to express my concern regarding Experian 's lack of response to my previous complaint lodged with your organization. 

On XX/XX/23, I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning inaccuracies in my credit report and Experian 's refusal to rectify the situation. Despite my earnest efforts to address this issue, I received no information or acknowledgement from Experian, a clear violation of their obligation under the FCRA to conduct a reasonable investigation into consumer disputes. In fact they just keep sending me verified emails, which is interesting because I asked them to provide proof showing where I gave them permission to report this information onto my consumer report. They do not investigate or provide any information, they just send me a verified email 3 days letter with no explanations. 

My concern with Experian 's non-compliance with Metro 2 reporting standards arises from numerous inaccuracies in my credit report. Experian has failed to ensure that my credit information is accurate and up-to-date, which has had a direct impact on my financial well-being. These inaccuracies, which include [ specify any specific issues ], are causing undue financial harm and undue stress on my part. 

I kindly request that the CFPB investigate this matter and take appropriate action against Experian for their repeated non-compliance with Metro 2 standards and their disregard for the FCRA. I am seeking a resolution that includes the prompt correction of the inaccuracies in my credit report, as well as punitive actions against Experian for their failure to adhere to legal requirements. 

I appreciate your attention to this matter and request that you provide me with updates on the status of this complaint. My previous experience with the CFPB has left me disappointed, and I hope for a more effective response to my concerns this time. 

Thank you for your prompt attention to this important matter.

Company response to consumer: In progress
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: MI
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:
This complaint to Experian result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mr. Cooper will not stop calling asking if we'd like to refinance or borrow against one of our rental properties which we have on the market for sell. They call 2 or 3 times per day and I have informed them to stop calling each time for the last week. Calls persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are discrepancies that I have found on my credit report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX ( XXXX ) The discrepancies are listed below : 1 ) Number of months 2 ) High credit limit amount 3 ) Date last reported 4 ) Date last active 5 ) Date of last payment Creditor sent a letter of validation on XX/XX/2023 and failed to validate this debt. 
Under 15 U.C. Code 1681i ( 5 ) cause for removal of inaccurate unverified credit information.

Company response to consumer: In progress
Consumer complaint received 2023-02-11
Company: SYNCHRONY FINANCIAL
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Visited Ashley XXXX XX/XX/23. Purchased a power lift recliner ( XXXX ) online inside the store ( chair unavailable in store ). Recliner delivered XX/XX/23. One hour after delivery, noticed the arms of the chair wasnt secured to the seat of the recliner, leaving a huge gap between the base and back of recliner ( a dangerous safety hazard for my elderly mother ). Contacted XXXX the delivery guy, stated would get with warehouse manager, if an associate could come by. On XX/XX/23, contacted the protection plan, informed of defect and a ticket was created. On XX/XX/23, XXXX came to home, attempted to close the huge gap, stated chair assembled correctly and agreed defect in the recliner. On XX/XX/23, associates attempted to deliver and 2nd recliner, assembled chair outside of home and XXXX chair had the same defect as original. Both defected recliners were loaded onto truck # XXXX @ XXXX. An hour after the unsuccessful delivery and return of the original defected recliner, I received a call from XXXX who wanted to make another appointment for a 3rd delivery. I informed the associate the recliner ( XXXX ) has a manufacturer defect and I did not wish for another delivery of the recliner. I also informed her the store had no recliners in house that would meet my needs and I would like a full refund of the defected recliner. XXXX apologized for the issue and stated she would put in a ticket for a refund and it may take 30 days for the refund to be credited back to my account. Several hours later, I received a text to reshedule a delivery. On XX/XX/23, I received another text and a call to reschedule a delivery. I informed that associate, I would not be purchasing a recliner and was awaiting my refund, the associate apologized and stated she would note this and I should no longer recieve any text. On XX/XX/23, I received another text to reschedule a delivery. I made 2 phone calls to customer service and spoke with XXXX and XXXX and requested that the text cease and inquired about my refund. I was informed by both associates that XXXX does not do " refunds '' and I needed to reschedule a delivery. I informed both associates again that I was no longer in possession of the recliner, the recliner was defective and a huge safety risk because of the defect that could cause a severe injury to my elderly mother. Unfortunately both associates continued to give me the same script. XXXX states it has a 30 day return policy on defective purchases made online and in store. This recliner was ordered online inside the store by XXXX.Please note the recliner was XXXX, 5 year protection plan XXXX, delivery XXXX and taxes XXXX, total cost {$1300.00}

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 monetary relief
Consumer complaint received 2022-02-22
Company: U.S. BANCORP
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal information was used to open fraudulent accounts. I found out around XX/XX/2019, when trying to apply for school and being denied loans. I received a free copy of my credit report to find that I had been a victim of identity theft. I immediately contacted the companies listed and was required to file a FTC affidavit, a CFPB complaint and a police report from my local department. All of that information was retrieved and submitted to all companies of fraudulent accounts. I disputed these accounts with XXXX, XXXX and XXXX, because the companies denied giving me information on these accounts, for the reasons of the information that I gave did not match what was recorded within their system. These accounts in dispute were removed because I supplied all required documents. The accounts have now been inserted back into my credit report XXXX  years later as a charge off. I am being held accountable for fraudulent accounts. I am resubmitting required documents as well as an updated FTC affidavit, and the original police report that was submitted during the time of removal.

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 2021-06-23
Company: EQUIFAX, INC.
State: MD
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 filed a ftc report on XX/XX/XXXX but there is still one account that Equifax have not removed which is XXXX/XXXX. There are also a few inquires that I do not recongize on my report from XXXX  XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I reviewed a current copy of my credit report and show inaccuarte or incompleted information listed to my report. I have been working hard to have my report show complete and accurate information and it has not be easy. I have sent numberous letters to the credit bureaus with no assistance to get account verified or removed and I have be unsuccessful. Finally, I sent an FTC report and item have been removed which corrected my report to show factual information. As of today, I see there has been a reinsertation on my credit report from credit XXXX XXXX and I never received a reinseration letter per the Law of FCRA reinsertation act. Please delete account listed below due to direct violation of FCRA. 

XXXX XXXX Account Number XXXX Balance {$4500.00} XXXX XXXX Account Number XXXX Balance {$0.00} XXXX XXXX Account Number XXXX Balance {$3400.00} XXXX XXXX Account Number XXXX Balance {$16000.00}

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 2021-03-29
Company: Jim Bottin Enterprises, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX XXXX XXXX XXXX has repeatedly called & tried to " XXXX '' me into paying a debt, I never incurred to " XXXX XXXX '' Even after I sent their attorney, a letter disputing any & all " bogus '' charges, their representative continues to call threatening to sue me, even at one time trying to disguise himself as a lawyer. Calling me an " XXXX '' on this last call ( XX/XX/2021 ), I finally blocked their number which is ( XXXX ). 
After reviewing their comp [ any, this is a pattern they use with many consumers. The representative of this company, disguises himself as an attorney and/or someone from a law firm TRYING to " XXXX '' me into paying, something I DO NOT OWE, threatening to sue, calling derogatory names. Something you would see on a playground or in movies as a " shakedown '' Please investigate this company, so others will not have to go through this kind of conduct. Thank you for your cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: In progress
Consumer complaint received 2021-09-16
Company: CL Holdings LLC
State: IN
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:
I federally protected consumer XXXX XXXX rights have been violated. For almost two years Ive been battling with Jefferson Capital Systems LLC over a debt Ive deny obligations of. Jefferson Capital Systems LLC purchased my information from XXXX XXXX XXXX since then Jefferson Capital Systems LLC took it amongst themselves to attempt to take me to court which their motion was deny by the judge. For almost two years Jefferson Capital Systems has caused me emotional distress where I have loss sleep, frequent headaches, anxiety, weight all due to this improper debt. I believe its time this back and fourth and constantly violating my consumer rights from Jefferson Capital Systems Stop immediately. Jefferson Capital Systems LLC have completely ignored both affidavits neither have they rebutted either one as well as my cease and desist letters

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: T.S. Holdings
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was a joint account with my husband. This collection was removed from all 3 of my husbands credit reports because it was fraud but it still remains attached to me. On XX/XX/XXXX, I contacted IQ Data International via email per companys request and to verify this debit. I never heard back from them. I constantly called to ask the status of the verification and I was constantly told it hasnt been checked yet. I still received calls about this debt that I do not owe. On XX/XX/XXXX, I disputed this account with XXXX and XXXX. XXXX had no knowledge of the debt and XXXX deleted it due to it being investigated and its not my debt. For whatever reason, XXXX has come back verified. I also received a letter from IQ Data telling me that why will not investigate this anymore because its verified as my debt but they have yet to send me any proof that its mines. Ive been fighting this debt long enough and I need this deleted from my XXXX report as it is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am not swayed that XXXX XXXX  XXXX has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both XXXX, XXXX and the creditor. Make sure to explain the outcome of your investigation about this account with XXXX with account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Santander Consumer USA Holdings Inc.
State: IN
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:
I federally protected consumer XXXX XXXX rights have been violated. For almost two years Ive been battling with XXXX XXXX XXXX XXXX over a debt Ive deny obligations of. XXXX XXXX XXXX XXXX purchased my information from Santander Consumer USA since then XXXX XXXX XXXX XXXX took it amongst themselves to attempt to take me to court which their motion was deny by the judge. For almost two years XXXX XXXX XXXX has caused me emotional distress where I have loss sleep, frequent headaches, anxiety, weight all due to this improper debt. I believe its time this back and fourth and constantly violating my consumer rights from XXXX XXXX XXXX Stop immediately. XXXX XXXX XXXX XXXX have completely ignored both affidavits neither have they rebutted either one as well as my cease and desist letters

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Bridgecrest Acceptance Corporation
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:
I was never late on the paid off account/s listed above. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report. Per 15 USC 1666b a creditor may not treat a payment on a credit card as an open ended consumer credit plan. Please update the payment history as XXXX  status ( Paid as Agreed Never 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 2023-10-30
Company: Maximus Education, LLC dba Aidvantage
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
On both XX/XX/XXXX and XX/XX/XXXX, I called AidAdvantage customer service line XXXX ( XXXX ) XXXX, and was unable to reach any representative. At this time, on XX/XX/XXXX, I have been on hold for 1 hour and 44 minutes. 

I am reaching out to discuss my account and payment options as the options provided are not possible for me to make.

Company response to consumer: In progress