BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
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 am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am an American Express account holder. I recently book a trip through American Express travel. My trip was a failed attempt but the charge on my card is pending online the amount of {$4200.00}. I spoke with several representatives over a 48 hour period trying get the problem resolved. I was told that it would take 3-5 business for the funds to be put back in my account. I Do not understand why a trip was never booked but my card was charged and the funds are pending. Due to an unforeseen circumstance I do not have 3-5 days to wait for my fund to be release. American Express has caused great harm to my mental within the last 48 hours. I would like my funds released and documentation stating that this process is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting 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 was informed by XXXX XXXX that my credit score had dropped by XXXX points on XX/XX/2023, per Transunion Credit Reporting. I checked to see if someone had opened new accounts under my name or maxed out my credit cards but neither thing had occurred. My credit/debt ratio and utilization of OVERALL credit hadn't changed, the amount was relatively the same as it had been the previous month. In fact, with my paying down my car loan by {$300.00} the previous month, my credit score should have improved. 

I tried to reach out to Transunion and the only " Consumer Service '' they offer is a free copy of the credit report. There is no customer assistance available by phone or on their website for the customer to find out why their credit score would have a precipitous drop, and there is no mechanism to dispute the drop. Transunion 's drop of my credit score was mimicked by XXXX within 2 days. The XXXX point drop affects my car insurance rate and will have other cascading effects that are costly and deleterious. 

I believe there was an error in Transunion 's algorithm because there is no reason why my score went down. I request that Transunion check for system errors regarding my account specifically. If there is a reason for the drop in my credit score, I request to know the reason. Transunion should also advise me of any appeals process available to dispute dramatic changes in credit scores. They need to provide transparency to consumers on what formula they are using to determine credit scores. It's obviously no longer based just on debt/credit ratio and timeliness of payments on accounts over time, because my score would be XXXX points more if those were the only criteria.

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 2020-03-02
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I paid off a credit that was delinquent since XX/XX/XXXX. They were suing me for the amount owed and a count date was set for XX/XX/XXXX. The day I went online to pay off the debt ( XX/XX/XXXX ) I was given a confirmation number and shown a XXXX balance. Today when I log on to the website I have a current balance of {$1000.00} which was the original loan amount. There is no show of the account being paid off. When I call the credit collecting company they state that my account has been closed. They state that I will receive a letter " soon '', but no letter has been received yet.They are unable to tell me how long it may take for the account to show it has been paid, they continue to tell me to wait, they are unable give me any further info about the legal actions taken against me. However, my main concern is that I am in the process of buying a home and this debt is still being reported to the credit bureau, having a huge negative impact on my usual perfect credit. I have spoken to my broker who has informed me that this is the only debt on my credit history and that it needs to be removed ASAP in order to move forward. Which I have done the necessary steps provided by the company to remove it. Part of the agreement to close the account was a settlement of {$810.00} and also that the account would be removed from my credit report and no legal actions pursued. I have paid the {$810.00}. This agreement has not been met by the company. I have upheld my end of the deal by paying the settlement amount. Before making the payment I requested for a letter to be sent with the terms of agreement which they disputed and stated that they do not send out letters. Feeling uncomfortable about this I opted to pay online and save screen shots of the process instead of making a verbal payment over the phone. Basically this company has not met their end of the agreement by closing my account in full and completely removing this debt from the reporting credit bureau even after making a full payment. I have spoken to 10 different representatives from 3 different departments from Midland Credit Management, all have given me the run around. I am afraid I have been screwed over and lied to and I am am worried that this will spiral me into a bigger whole with my credit score being affected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Westlake Services, LLC
State: NY
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:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b } that your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay 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 2023-06-19
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:
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 15USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX. However, they stated everything was complete and accurate, But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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. 1681 s-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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX  - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Bread Financial Holdings, Inc.
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I made a check payment to Comenity Bank in the amount of {$120.00} for my Loft All Rewards card. In XXXX of XXXX I received a bill stating I only paid them {$5.00}. I was told I needed to start a dispute which was opened in XXXX. Between XXXX of XXXX and XXXX of XXXX. I sent them a letter from my Credit Union showing the check had been converted to an ACH payment and the check had cleared my account on XXXX XXXX for {$120.00}, a copy of the ACH file and finally of the copy of the check that the credit union had to put in a request for. I called Comenity several time spending at least an hour on every call getting transferred to people that were unable to help me, even one night getting disconnected four times. I was told there was no way to be transferred to the dispute department as they don't have a direct line. On XXXX XXXX I received a letter saying that my dispute was closed and that the legal line on my check read {$5.00} which does not match with the check that was cleared by Comenity bank on XX/XX/XXXX, XXXX.They have been charging me late fees every month and reported me for not paying the fees that I feel I do not owe and have now charged off the card for over {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EdFinancial Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a notification of statement from XXXX on XX/XX/XXXX which stated that some of my Federal Student Loan payments were due on XX/XX/XXXX. This broke not only the XXXX notice mandate, but also the mandated payment freeze which lasts through XX/XX/XXXX, at a minimum. 
Mandates are even noted on their website. 
I contacted them to find out why. The agent I spoke with could not give a reason, just stated that they could not change the due date because thats what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Showing 90 days late for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ... never late also loan switched to navient about this time and also I was on a defferment ... parent plus loan taken out in 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 2017-07-10
Company: Capio Partners, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt has been removed from my account on several occasions. The company can not verify debt and once it 's pass the allotted time to verify the debt is removed. The company then reinserts debt back onto all  XXXX  credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 


I also have inquiries on my experian account that I didn't authorize and unaware of. 

XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX Removal date XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
Company: Mr. Cooper Group Inc.
State: NM
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My Loan was sold to Mr. Cooper/ Nationstar company in XX/XX/XXXX. XX/XX/XXXX the home insurance payment was due. Mr. Cooper/ Nation Star called XXXX XXXX to get payment amount. XX/XX/XXXX they mailed the payment. Insurance company cashed the check XXXX XXXX but said they received the check XX/XX/XXXX which they stated was received too late and therefore instantly issued a refund to me however I never received a check or letters of cancellation from them. This entire time I have been making my payments to the mortgage company under the assumption that my home was insured as my was loan includes my insurance payment built into the monthly payment. On XX/XX/XXXX my house caught on fire due to an illegal firework that landed on my home while I was not home. Unfortunately extensive damage occurred to my home. I called XXXX XXXX XXXX  and filed a claim. On XX/XX/XXXX I received a call from XXXX XXXX  that my claim was denied due to my insurance was canceled effective XXXX XXXX. I immediately called mr. Cooper/ nation star and after many phone calls between them and my insurance I have been told that it is my previous lenders fault as they never added them as loss payee however when the sale happened I personally called mr. Cooper and was told that it was a seamless transaction and they would handle everything and to just continue making my payments. Now nation star is stating that they will only help me if I agree to allow them to add force placed insurance to the loan which is extremely expensive and will not cover any of my personal items and possibly not all Of the damages. I feel Helpless as they told Me either I agree or they will add the insurance since I dont have insurance on my home. I am currently XXXX  since it is not safe to live in my home due to the fire damage. My mortgage company will not even speak with my any longer unless I agree to what they want. Please help me as I dont know what my rights are here and I thought the mortgage company was suppose to pay my insurance which is what I thought I was covering in my monthly payments to them this whole time. 

Side note : XXXX from Mr. Cooper was rude and would not escalate my call to a manager when I asked her too. States I needed to speak with her as she needed to try and fix it before escalating. She also argued with the insurance company that mortgage companies have 30 Days to make the payment but the insurance rep told her no payment is due when its Due which leads me to believe that I may not be the only one that may have an insurance policy cancelled due to late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
I was impacted by XXXX, XXXX, and XXXX XXXX. I was also in a XXXX XXXX I was told I could skip a few months of payments by the redemption department. XX/XX/2019 needs updated as it wasnt missed. I was also military XXXX XXXX. I gave them a plethora of information. The phone team read the disclaimers and advised the XX/XX/2019 payment would be skipped as it was not due, but because of their redemptions teams error it is showing I missed a payment still. Please update this on all credit agencies. XXXX, XXXX, and XXXX. Please also provide me a letter in writing to both email and conventional mail once corrected I can have for my records. I can not speak on the phone due to a XXXX currently. Please fix this error asap. I should have no missed payments showing from your company.

Company response to consumer: Closed with explanation