BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: KY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a victim of identity theft. I disputed this Belk account multiple times, and requested validation. This account does not belong to me and I want it deleted from my reports immediately. The debt validation including the original application was sent to me by the company, and shows the account was opened by someone living in another state that I have never lived in. The same state in which the majority of the identity theft took place. 

It is obvious this person just used my first name, date of birth, and social security number to open a fradulent account. Very clear cut identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was marketed to and told I was eligible for a bonus of XXXX points after I spent {$2000.00}. I was told this on multiple occasions. Once I spent the required amount and paid my bills on time and in full, I was told I was not eligible for the offer. The reasons given ( too many accounts open, etc ) do not apply to me. I deserve this welcome bonus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Experian Information Solutions Inc.
State: IL
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:
THE BUREAU IS FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e. '' THE ALLEGE DEBT IS CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA...

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 2019-10-24
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I HAVE SENT THIS COMPANY A NOTICE OF EXEMPT INCOME FOR TWO CHARGE OFF DEBTS PDF ENCLOSED THEY HAD BROUGHT AND PAID FOR. I AM REQUESTING AN ANSWER TO MY NOTICES THEY HAVE NOT YET FORMED ME OF WHAT THERE INTENTIONS ON DOING WITH THESE TWO DEBTS ARE THEY CLOSING THE ACCOUNTS AND NO FURTHER COLLECTIONS ARE THEY GOING TO SELL THE ACCOUNTS BECAUSE THEY CAN NOT HAVE A COLLECTION ON MY FUNDS ARE EXEMPT THEY HAVE TO WRITE ME A LETTER STATING THEY CLOSED THE ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I looked into XXXX XXXX and noticed a deragotory comment on my credit file from midwest recovery. they claim I took a webloan from XXXXXXXX XXXX XXXX for XXXX I have never used any company to take a payday loan or any type of web loans in my life i called them to remove this immediately since I am buying a home they told me 60-90 days I said unacceptable since I should not have this in my report and its there error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I am applying for a home loan and closing next Friday. I just found out that a current dispute I have has caused a delay in closing, so I called all three credit bureaus to CANCEL my dispute, and Transunion is the only XXXX giving me a problem. First, I do n't understand why this could n't be done over the phone ( as the other companies had no problem with that ) but that is not the worst part. The worst part is I FAXED my request over on Wednesday, XXXX XXXX. I called on Thursday, XXXX XXXX only to confirm that my fax was received. The woman I spoke with would NOT confirm receipt of my fax. She told me I had to wait five days to call back and get status. After telling her several times " I understand it takes five days to review but I 'm not trying to get status of review, I only want to confirm that my fax was RECEIVED, not that it has been REVIEWED ''. She still insisted that I had to wait five days for my confirmation. I told her XXXX times that this was ridiculous and I wanted to speak to a supervisor. She would only put me on hold and come back to tell me that SHE spoke with the supervisor and confirmed I have to wait five days. This is the most ridiculous thing I 've ever heard. What if I wait five days just to get confirmation that my fax was not received. Then I have to fax it again and wait another five days just to confirm receipt. I really do n't think the lady I spoke with understood the difference between review and receipt and I do n't appreciate her ignoring my XXXX requests to speak with a supervisor. It was the worst customer service I have ever experienced.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: ERC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i contacted the company and asked them to provide me with proof that this debt belongs to me but they did not. They refuse to remove this off my report but can not provided me with reasonable proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: EQUIFAX, INC.
State: MA
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:
HI, i'm not sure what's going on, but it's been more than 90 days and the company and credit bureaus/reporting agencies failed to send me the results for the investigation. The student loan still reports incomplete, and unverifiable information. There are so many inconsistencies getting reported between the 3 credit reporting agencies. I don't want to waste my time or anyone else time. I need this removed from my credit report. Please delete!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: CITIBANK, N.A.
State: FL
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:
I opened a dispute for {$520.00} and {$140.00}. 
My visa card was charged outside of USA for this two amounts.Without my permission. 
I supplied all the paperwork supporting the dispute. 
The answer from Visa was that they unfortunately can not help me. 
I called visa, they still did not help.Visa credit card does not support the customers. 
This is already a fourth time that this happened to me with Visa credit card.

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 2023-06-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance : {$16000.00}, XXXX LXXXX XXXX XXXXXXXX Balance : {$120000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The State of Alabama incorrectly filed a lien against me in 2013. They have since rescinded the lien back to its original date of XX/XX/2013. Transunion refuses to acknowledge the rescission and continues to erroneously report the lien as " Paid, Rescinded. '' It was never paid and they have no documentation to support their claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Student Loan Care, LLC
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Sometime 2 years ago a company called Student Loan Care contacted me and said that they would help me get my loans forgiven because I work for a non profit. They said that they would consolidate my loans and then get me into the forgiveness program as well as the payment by income program. They did consolidate my loans and did get me in the Payment program however they never got me in the forgiveness program. They also charged me XXXX a month for over 2 years now to be in this program that is actually offered for free from the government. I have filed Fraud charges with my bank to get stop payment started on them.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-14
Company: Experian Information Solutions 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2021-06-08
Company: Caliber Home Loans, Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a mailer from Caliber Home Loans on XX/XX/2021. The mailer states they offer rates as low as 0.022 % ( 0.029 % APR ). 

I called the number on the mailer, and the representative said the offer was in fact real, then forwarded me to a Loan Officer to get the process started. Within a minute the Loan Officer stated the offer was not real and began to hard sell me using fear ( " rates just keep going up '' ) and had no data to prove his statement. 

It was very clear from the call that the mailer was just an attempt to get me on the phone. This is a terrible business practice and Caliber Home Loans needs to be audited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Affirm Holdings, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Never did business with the creditor Affrim. XXXX XXXX XXXX is refusing to conduct a debt validation pursuant to the Fair Debt Collection Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: U.S. BANCORP
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: Information belongs to someone else

Complaint:
US Bank allowed someone to open a account in my name. I was informed by the Earlier warming the account is overdrawn in the amount of XXXX I called them and advised that this account doesnt belong to me. I filled out the forms that was provided to me through email from the bank and I still havent heard from the bank .I disputed this account with the XXXX XXXX XXXX which handle account reported by banks. USBank only respond they will not changed there information they wouldnt provide any information to show how this account is accurate and that Im responsible for the account. There no US Bank in my area. From research this bank is located several states from me. I live in XXXX born and rasie. If Im not mistaken the close branch to my area is XXXX XXXX or XXXX. I like this negative account resolved and moved off my XXXX XXXX report this negative information would keep me from obtaining a checking/saving account in the future.

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 2020-10-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I disputed this account on XX/XX/2020 with XXXX XXXX XXXX  and account number XXXX. It is now XX/XX/2020. It has been over 4 months and I have not heard anything back from Equifax. This is totally unacceptable and exceeds the extension deadline given because of Covid-19. They have broken laws set in place to protect consumers. Equifax needs to delete this account from my consumer report for failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, 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:
XXXX XXXX account is reporting as a " charge off '' for month after month. According to the FCRA a charge off can not keep reporting month after month. This has been a continued inaccurate reporting by Equifax, with continued violations of my FCRA rights. Please see attched image for the inccurate reporting. 


XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card - Bureau Code : Individual Individual Account Status : Paid Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : 0 0 High Credit : {$4100.00} {$3600.00} Credit Limit : {$3000.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Dispute resolved; reported by grantor Settlement accepted on this account Paid charge off Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have not been able to access either my credit report or my credit score since XXXX of 2021 when I began exercising my rights to dispute and challenge the validity of what the credit agencies have been reporting. When speaking with TransUnion and XXXX  they informed me that due to filing complaints I can not gain access to my credit file or credit score. This has caused a delay in my ability to progress and provide for my family due to access to either TransUnion or 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 2021-11-27
Company: HEAD MERCANTILE CO., INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this is my 2nd attempt for MERCHANTS ADJUSTMENT SERVICE, INC, I sent my last letters on XX/XX/2021 for the alleged debts of XXXX, and XXXX that I do not owe.my first set of letters requesting the validity of the debts were on XX/XX/2021 and I never gotten a response from them which is a violation of 15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. also violated 15 USC 1692e ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt, as well as 15 USC 1692e ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization because they usees the names of SOS GROUP and HEAD MERCANTILE CO I, which is not the original legal name

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
They send me this pre-selected secured loan certificate for {$5200.00}. I called to get the low and they run my credit and then tell me they ca n't approve me. This thing arrived in my mail box at a time when I need the money. For a bunch of repairs to my car. I think this company is sending out these letters in attempts to collect personal information on people who need the money. They ask for all information from bank account info and monthly bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Experian Information Solutions Inc.
State: MO
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 have been disputing incorrect information on my credit reports for over a year, I have sent faxes, fraud reports and filed multiple complaints. Experian had my personal information incorrect on my reports also my address nut refuse to remove, I have requested the information they have to verify the correct addresses collected also bankruptcy information they refuse. information is supposed to be verified with a signature or i am supposed to be provided the information from any 3rd part they are using to verify court information in which I have never received. I am requested all inquires unauthorized removed also all address but my correct address XXXX XXXX XXXX. I am showing multiple companies pulling my credit report from all 2 bureaus with no authorization.

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 2019-10-24
Company: COMMUNITY BANK SYSTEM, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Home appraised at {$200000.00} we purchased it for {$160000.00}. We have made bi weekly payments starting XX/XX/2019. The PMI still has not been removed. We are well within the range where PMI should not be taken out of our mortgage.

Company response to consumer: Closed with explanation