BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: NY
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 didn't get notification regarding the disputes I sent for the following accounts I listed. It has been several months since I'm disputing these accounts : XXXX XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX  XXXX  Account # : XXXX | XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I filed a dispute with ChexSystems recently after receiving a copy of my report. There was a credit union by the name of XXXX XXXX XXXX that said I owed them close to {$600.00}. I disputed that because that was included in a bankruptcy years ago. 
When I received the response from ChexSystems they told me that they had contacted the United States Bankruptcy Court to verify that it was included in a bankruptcy and it was. I have a serious issue with their response and here is why ; 1. That particular entry has been in my ChexSystems report since XX/XX/2015. 
2. ChexSystems said that they had to verify the information I was disputing with the United States Bankruptcy Court. Why was this information not verified before it was entered into my ChexSystems report? 
3. Because of these actions, I can not trust ChexSystems and they should be investigated for entering information without verifying it first. I've been doing my research and apparently there a lot of people with similar issues. 
4. The letter I received from them said that they removed the XXXX XXXX XXXX entry from my report, but I still can't seem to open another account with a different bank? What is the reason for this? 
5. The copy of the ChexSystems report doesn't show any other negative entries, although I'm not sure I'm reading it correctly. All I see is where they say that XXXX XXXX XXXX is being removed, then inquiries of companies looking me up for whatever reason. What else is holding me up on this report? 
6. How can I be notified each time someone has accessed my ChexSystems information? The credit bureaus have this available to all consumers. You should have the same or something similar. 
7. How do I submit that I don't want anyone accessing my ChexSystems report unless I have authorized it? 

I have attached a scanned copy of the letter from ChexSystems. Thank you for your time.

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 2020-08-22
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
General issue : Am addressing a practice of some merchants/companies not offering consumers an auto payment plan for large purchases. This situation guarantees that bank/credit card companies will earn MUCH greater profits by assessing late fees from busy working consumers. The interest free teaser is neutralized by the assessed late fee with no auto payment option. My husband and I always set up auto payments on large purchases to avoid this situation ; we also have excellent credit scores. Buyer beware ; never assume auto payment option will be available when financing large purchases. The company we will avoid doing business with is Wayfair and their financing contractor,  Comenity.com   unless they offer auto payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Experian Information Solutions Inc.
State: NY
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 didn't get notification regarding the disputes I sent for the following accounts I listed. It has been several months since I'm disputing these accounts : XXXX XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX  XXXX  Account # : XXXX | XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX  XXXX Account # : 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 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 didn't get notification regarding the disputes I sent for the following accounts I listed. It has been several months since I'm disputing these accounts : XXXX XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX  XXXX  Account # : XXXX | XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX | XXXX  XXXX Account # : 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 2018-02-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Sent XXXX XXXX XX/XX/XXXX informing them that my ex-husband XXXX XXXX filed bankruptcy XX/XX/XXXX furthermore the court has entered an order of discharge releasing him from all debts. Nevertheless, XXXX placed debit on all three credit reports. I requested them to remove debit from my credit file per bankruptcy on XXXX XXXX credit file original account holder. Contacted all three credit reporting companies XX/XX/XXXX and XX/XX/XXXX to file disputes, however they did not remove item from my credit report.

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 2021-07-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Credit Karma, LLC
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have asked Credit Karma at least twice in the past month to close my account, and they have ignored my responses. When I create new tickets because I was ignored, they keep making up excuses for why my account is open. I do not have any disputes pending or any money in the account, so I don't know what the holdup is. When I closed accounts at other banks in the past, it was usually done within 24-48 hours. Please close my checking account once and for all Credit Karma! XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
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: Old information reappears or never goes away

Complaint:
After noticing the debt on my credit report, I sent a Debt validation letter to XXXX XXXX. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, XXXX XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the XXXX XXXX or any attempts by the debt collector to validate the debt they believe I owe. It has been more than 7 years since they placed the debt on my credit report and More than 1 month since I requested validation. The original open date is reporting XX/XX/2011 which is more than 7 years of negative reporting on my credit. This same company has also been reporting under US Dept of Education for the same account and dollar amount. They also garnished my Federal Tax Refund for {$1200.00} well over 7 years ago to repay the amount they are still claiming owed.

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 2020-08-20
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
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:
On XX/XX/2017 a late payment was place on my consumer credit file by Credit Acceptance. Prior to this time. My original payment ate was the XXXX of the month. I discussed with Credit Acceptance that due to an hardship was it possible to change the due date to a later date of the month of which they agreed. I was charged {$20.00} to make the payment adjustment in the date. To make payments due on the XXXX of the month. In addition, I agreed to pay {$570.00} instead of the original {$510.00} payment to have the payment registered as on time. Even though I agreed to make these payments and followed the directions, they continued to report these payments as late to the credit bureaus. I set up automatic deductions and increased the deductible amount to {$600.00} to avoid the late fees. But the arrears just grew from about {$300.00} to over {$3000.00}, even though the payment was taken out of my bank account by the creditor every month as per their " agreement '' with me. Additionally they continued to report the account as late to the credit bureaus. In the original agreement Credit Acceptance allowed a 15-day grace period for being late after the due date ; however, late fees and reporting occurred if you were only late 1 day late. It was unclear how or whether the extra money paid each month was applied to reduce the late payments. I requested an audit of the account to verify the account and never received it. The company and bureaus did not follow the law and posted un-validated information about the account with Credit Acceptance. They violated my consumers rights by the following : 15 USC 1692f ( 1 ) unfair or unconscionable means to collect or attempt to collect any debt, 15 USC 1692g 809 ( b ). Validation of debts - Disputed debts. The information reported by the credit bureau 's is inaccurate : The balance, the monthly payment, the payment history, and the payment status are all incorrect.

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 2020-05-11
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: Their investigation did not fix an error on your report

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2021-07-13
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This morning, XX/XX/XXXX at XXXX XXXX. I contact Old Navy Credit Card concerning over charging or taking out additional automatic electronic payments since XX/XX/XXXX. I mentioned that there are some that I can verify, but there are many that I can not verify, and I'd like for them to verify. I spoke with 2 representatives, the first one XXXX, who could not understand and kept rambling about how I have three credit lines so there should be 3 payments each month, even if one of the account had a balance of {$0.00}. I asked to be transferred to another representative, her name was XXXX. She was able to verify some of the automatic e-payments, but many that she was not able to backtrack or see. Being frustrated, I called my bank and asked XXXX XXXX XXXX XXXX to help me track the other unauthorized automatic e-payments. The bank teller was able to provide the trace number to me so that I can ask Old Navy Credit Card to trace where the unauthorized automatic e-payments were going through. So, this evening I contacted Old Navy Credit Card again, this time, through the virtual chat and spoke with a representative XXXX. He also confirmed the same thing that XXXX was only able to confirm. I asked XXXX, if given a few of the trace numbers, will he be able to tell me where these unauthorized e-payments were going to, such as another person 's account or perhaps an electronic error or even an old account. He also responded that he was not able to do so. I am very frustrated with the same response Old Navy Credit Card has given me and need an actual Synchrony representative or someone who can help me resolve this. At least, tell me that they can transfer me to speak with a representative from the fraud department or something, but there was no offer.

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 2020-10-12
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted XXXX since it was an unpaid balance with them, after updating my mailing address and phone number I made a payment of {$50.00} towards the balance because I could not afford the full balance at the time. 



When I contacted XXXX for second time, after a short period of time, I was told my account was sent to a collection agency, they were clear to dont worry about it because the collection agency would contact me via XXXX XXXX or phone call and I would have the chance to pay it before it pop-up in my credit report. Since I didnt get anything in the mail, I contacted XXXX again and they wont to provide the contact information of the agency. 



Time goes by, I did not receive a call or letter and now I checked my credit report and I realized that the account was placed in to collection agency name Southwest Credit System. As I called the collection agency, I was told that they had tried to reach out to me but turns out that XXXX gave them my old address even though I had given XXXX my P.O. Box address the last time I made my payment to them because I am in a XXXX  situation. 



My husband requested the supervisor a courtesy deletion since I was waiting for the letter in the mail and they received inaccurate information that prevented me to dispute or pay the bill before its pop-up in my credit report but they just refuse, Is a very unfair situation since as I said I am in a XXXX  situation and I need to clear this account from my credit to apply for an affordable housing. I am just asking for the fair thing, have the chance to pay it or dispute before it damages my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I called Ocwen to start taking auto payment from my bank account # XXXX, for my mortgage payments. Before hanging up, the rep said ' We see where you have a negative balance in escrow, we divided by 12 months and came up with {$490.00} and added it to your {$680.00} modification payment. You new payment in XX/XX/XXXX is now {$1100.00} '. At the time, I was on an approved modification and my payments were approved for {$680.00}. I had only been on the modification for two months and was current with my payments, when they changed my payment without notifying me first and then tried to take the {$1100.00} instead of the {$680.00} without my knowledge or approval. I informed the agent at the time, I could not afford the amount of {$1100.00} because I am on a fixed income and my social security income was only {$1100.00} and a discontinued pension of {$640.00} until I reach the age for full pension, which is why I signed up for the modification to begin with. He told me to try it for a year and then ended the call without any further assistance. I tried sending a payment of {$710.00} in, which would have covered my approved modification payment but the y sent my payment back and I do have paperwork that they sent me, showing where I sent in my payment and they refused the payment and sent it back. It has been a nightmare from there and I have been fighting to keep my home ever since then. I have been turned upside down with my payments, at this point. My payments of {$680.00} where being sent to my escrow and the {$700.00} for XX/XX/XXXX was returned along with several other payments, with them stating I had to pay {$3000.00} overage first, before they would accept my approved modification amount. Since XXXX, Ocwen has changed the {$1100.00} payment to smaller amounts of {$600.00}, {$740.00}, etc., but still refuses to accept actual payment from me for the smaller amounts. Now when I put in for a modification, they are all being denied. I have a sale date of XXXX and is frantic with trying to save my home of XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
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: Was not notified of investigation status or results

Complaint:
I sent these accounts for dispute to the credit bureaus and did not get notification regarding the results of the dispute letters I sent for several months : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  Account XXXX : XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX XXXX  XXXX  Account # : XXXX & XXXX XXXX XXXX Account # : XXXX XXXX  Account XXXX XXXX XXXX, XXXX & XXXX

Company response to consumer: Closed with explanation