BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-22
Company: I.C. System, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern : My name is XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

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 2023-04-24
Company: EQUIFAX, INC.
State: AZ
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 was the victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and he had access to all of my personal information; including my bank account, computer, and paystubs. This was because he was paying my monthly bills as well as other duties. He opened several accounts with my information. I needed to relocate for XXXX XXXX  and I was not aware of these accounts until I checked my credit a few years ago. I added fraud alerts on my credit file so that any future credit issued would have to be verified by calling me. I was able to shut down several fraudulent accounts and when I contacted the police within my current state ; they told me that I could not file a police report here because it happened in another state. However, when I contacted my former state ; they stated that I needed to physically come in to file the report. I am unable travel due to my XXXX. 

I filed a FTC report and submitted it to Equifax, informing them of the fraudulent account. I submitted several disputes to block the account per FCRA 605A, FCRA 605B ( a ) ( 1 ) - ( 4 ), and FTC guidelines. However, the credit bureau, Equifax continues to violate FCRA and FTC guidelines by continuing to report the fraudulent account on my credit file. I have retained every dispute submitted to them as I sent them online and via certified mail. I have also made several phone calls to the credit bureau but I was directed to send everything via mail. 

They have denied my requests by claiming that they need verification of my identity. I the latest correspondence, I sent all documents per their guidelines and FCRA 605B ( a ) ( 1 ) - ( 4 ). I provided a copy of my drivers license, social security card, and I had the correspondence notarized by a certified state notary that physically verified my drivers license and my identity. I also submitted the FTC report, identification of the fraudulent account, and my statement that I am not related to any transactions on the account. 

I am requesting that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount : {$5800.00} be blocked as it is an account opened using my personal information without my knowledge and I have submitted ( several times ) all legally required documents. 

I have attached the correspondence sent to the credit bureau ( excluding the copy of my social security card and driver 's license ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
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: Personal information incorrect

Complaint:
INSPITE OF MANY REQUEST THIS CRIMINAL-EQUIFAX NEVER STOPS IN HARMING ME. EQUIFAX REPEATEDLY PUTTING WRONG ADDRESS IN MY CREDIT REPORT AS SHOWN BELOW : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX FURTHERMORE, THIS CRIMINAL IS MANIPULATING MY FICO SCORE LOWER EVERY MONTH BY PUTTING FRAUDULENT/WRONG INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: DISCOVER BANK
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX DISCOVER CARD claimed I authorized a DIRECT PAY when I asked REP for single payment and a change in BANK only Discover Access My Account Account number ending in XXXX Dear XXXX XXXX XXXX, Thank you for your participation in the DirectPay feature of your Discover it Card account. 

Please accept this letter as confirmation that your enrollment in XXXX has been canceled effective of the date of this letter. If your request to cancel your enrollment in XXXX occurred after XXXX XXXX on a scheduled DirectPay payment date, that XXXX payment was not cancelled only the future XXXX payments were cancelled. Please begin making your card account payments in accordance with your statement. 


We're glad you're our Customer and we want to make sure you have the most rewarding relationship possible with Discover it card. If there is anything else we can do to help, please let us know. Knowledgeable Account Managers are available to assist you, 24 hours a day, 7 days a week by calling XXXX, or you can always visit us at Discover.com. 


Sincerely, Discover Card Customer Service https : //www.facebook.com/discover https : //www.twitter.com/discover

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: AES/PHEAA
State: IN
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 have my student loans currently with FedLoans. I am trying to qualify for Public Student Loan Forgiveness.

I initially had my loans with XXXX ( XX/XX/XXXX - XX/XX/XXXX ) which all have counted towards forgiveness except for my payment on XX/XX/XXXX. 

I then transferred them to FEDLOAD in XX/XX/XXXX. 

I made my payment on XX/XX/XXXX as shown in my bank records I uploaded ( see page 2 on both documents, payment to XXXX  ). 

I looks like when these were transferred, my credit for the month it happened was not given credit but I clearly made my payment. 

I tried to have FedLoan fix this but they have never done this. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 a victim of identity theft and I have been trying to solve this issue with the creditors and credit bureaus for awhile now and I have not getting any results or even an answer from anyone. This is my last resort as I am just trying to move on from this nightmare.

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 2017-02-02
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
XX/XX/2016 we were contacted by Freedom Mortgage stating we were pre approved for re-financing our current FHA loan. They stated that we qualified based on fha guidelines and that we would not be denied. We worked with them for 4 months and finally after XXXX loan processor changes and multiple hard inquiries on our credit history, it was submitted to underwriting. It was denied. They stated the reasoning for the denial as not enough funds to cover closing ( we had over {$2000.00} in escrow from our current loan, as well as money saved aside for closing ). They also stated we had to many past due or delinquent accounts on our credit. ( they knew of this XX/XX/XXXX as we had conversations about it but they said it was n't an issue since our mortgage was n't past due ever ). They also stated that FHA guidelines that pre approved us and qualified us were not in place anymore due to new administration and laws passed since the presidential change.

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 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
please remove the following fraudulent inquiries off my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2023-03-10
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The MMC company is sending me letters in the mail about a debt I do not have with them. I closed out an account with my original creditor. This MMC company calls me every day and leaves me voicemails. I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: GA
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:
Improper use of my 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 2020-10-22
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: VT
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
People 's United Bank holds my savings account. Since opening the account they have consistently withdrawn excessive transaction fees for being over 6 withdrawals. Upon further research I found that the Federal Regulation D that mandates how many transactions can be performed monthly had been lifted in XXXX of 2020. Thus, the regulation that these charges are based on is obsolete therefore making this fraudulent charges. I requested that the total of these fees, in the amount of {$430.00} be returned t my account. I was hung up on 2 times by corporate and was finally able to speak to someone in my local branch who informed me that per Regulation D these charges were valid. Again, I stated that regulation D was lifted in XXXX and although they have the right to collect the fee they can not base it on the regulation alone as it no longer is valid. I informed her that if the money that was taken from my account was not returned I would lodge a complaint. She said she understood.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I opened this XXXX account in XXXX when I was working full-time and overtime. 
In XXXX, I lost that job and I fell behind in my payments. 
In XXXX when I was able to make payments again to bring my account up to date, I was unable to make an online payment so I reached out to XXXX XXXX. 
When I spoke with the representative, she said she could not take a payment because the account was closed. 
Since XXXX, I did not receive any letters letting me know my account was in foreclosure. I made sure XXXX had my mailing address. 
XX/XX/XXXX Unfortunately, I had to move this year because I lost another job due to the Covid19 Pandemic. My XXXX records are missing so I can not provide much payment or communication information to support this dispute. 

Please help me. It is very important that this foreclosure dispute with XXXX gets resolved as soon as possible.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: SC
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:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It hasbeen more than XXXX days since I originally wrote them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
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: Their investigation did not fix an error on your report

Complaint:
I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 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 explanation
Consumer complaint received 2019-11-16
Company: WELLS FARGO & COMPANY
State: AZ
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:
Wells Fargo did not report to XXXX  XXXX  or XXXX  Violation of 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 explanation
Consumer complaint received 2020-07-27
Company: Social Finance, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello team consumer financial government, I yesterday register company Sofi money https : //www.sofi.com/ for open checking account, after verify my identity documents us passport too more documents, they force upload photo of driver license card, without it, they said unable approved account in application company, I request letter by Admin/CEO, refused to allow an option, it's totally abuse, I believe that too against law, force only provide driver license card, of course it's no legal, I don't get any solution for reslove the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: NORTHERN HILLS COLLECTIONS INC.
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2020 at XXXX XXXX MST, XXXX XXXX XXXX ( called several times ) somehow got my number searching for XXXX XXXX ; I told them I haven't seen him for 15 years and he is the son of my ex wife ... we divorced 15 years ago. The agent accused me of lying and I asked them how they even got my number and refused to tell me.

I am being harassed and there us no way they got my phone number legitimately since my current wife and I got this number 13 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 applied for a XXXX XXXX XXXX  XXXX  with the concerned authority. The application was returned due to incomplete information. The company would not refund the application fee or credit it towards the amended application, nor would they refund the charges I paid for courier services for the license to be mailed. I called the bank ( Capital One ). They closed the dispute saying that I received the services, and told me to go back to the vendor. I provided them with the proof of denied application, but they would not entertain the claim. The licensing authority just said we dont have a mechanism in place to process any refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There was a XXXX data breach and recently they were sued by the CFPB. I went to the company website and verified if i was affected by this XXXX XXXX and i was.

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 2020-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY THE REPORTING OF ANYI UNDERSTAND THAT NO ENTITY IS AUTHORIZED TO RETAIN REPORT TRANSFER SELL USE OR ELSEWISE ANY PHYSICALLY UNCONFIRMED DATA AND IVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.IT CANT BE PROVEN IVE EVER RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED POSSIBILITIES OF MISREPORTING OR MISINFORMATION. PLEASE PHYSICALLY CERTIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, BALANCES, CALCULATIONS, AUDITS, AND EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY

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