BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt does not belong to me and I am unsure why it is on my credit report. This debt is from a company that I have never used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: DISCOVER BANK
State: NJ
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 these accounts that are not mine and i want them to be removed from my credit. 



1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To whom this may concern, XXXX " XXXX '' XXXX need to be investigated. Sadly I am not the only one. They have failed at customer service and fixing costly mistakes that hurt consumers. I do not expect this company to fix my credit report, but to bring awareness to this bureau. Please I am not the only one. Take a look. 
https : 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 2016-01-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
For the past several months, I have been disputing several inaccuracies that are Hsted in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX XXXX Bureau : Experian Account Name : XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX Account Number : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I was told by XXXX Bank XXXX XXXX XXXX Account XXXX that they will remove entire trade line, Back In XXXX it has been completely removed and now in XXXX it has been reposted. I included a copy of my report showing complete removal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian credit reporting agency is reporting a tax lien that does not exist. The county they are saying filed it is XXXX County Oklahoma. They are reporting {$52000.00} from XXXX County Clerk XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ok XXXX phone number is XXXX ( XXXX ). No such tax lien is existing. I have had no luck getting Experian to remove this. They are also reporting a lien that was paid in XXXX County as unpaid when it is paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01
Company: MORGAN STANLEY & CO. LLC
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I inherited an IRA and other accounts from my deceased parents in XXXX of XXXX. XXXX XXXX nor Morgan Stanley ever discussed the management fees with me. In XXXX of the same year I realized I was being charged 2 %, it appears as if my mother was being charged 1 % but when the accounts moved to me the rate was increased to 2 %. At this point I had received offers from other investment firms and called XXXX and he setup a face to face meeting on XXXX/XXXX/XXXX. In the meeting he said he was dropping my fee to 1 % so I agreed to stay with Morgan Stanley. 

Fast forward to about 3-4 weeks ago. In reviewing statements I was able to discern I was still being charged 2 %. I called XXXX he said he would research. A couple weeks later I called again after getting no reply, XXXX said there was some manual work involved to figure out exactly when the rate may have changed and that was the reason for the delay. He finally calls again Wednesday, XXXX XXXX. 

This call was especially disturbing. XXXX said he believe the rate changed back to 2 % when the portfolio balance dropped below $ XXXX. I told him we never discussed any such arrangement and the rate was to be 1 %. He follows by saying well going back and correcting it now will open me up to a IRS audit so he 's just going to move the rate back to as close to 1 % as he can to try and make up the difference. I of course respond that 1 % is the rate, was to be the rate, and I want the $ that I 'm owed. He goes on to say that there are .5 - .7 % additional management fees as well. I ask what he means, we never discussed anything of the sort, 1 % was to be the rate and be all inclusive. The call ended with me insisting he refund what he overcharged and him saying, well I 'll run the numbers both ways and show you. 

I feel robbed. I feel as if he is trying to intimidate me with the threat of an IRS audit to get around doing the right thing. I feel as if he 's trying to be a smooth talker but it 's very transparent his intention is to side step this error by manipulating me. Also, I asked another firm to look over my statements and have verified the rate never changed from 2 % to 1 % going all the way back to XXXX. 
Finally I hired an attorney who sent a demand for a response by XXXX/XXXX/XXXX. There was response.

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 2021-08-04
Company: Collection Bureau of Fort Walton Beach, 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 XXXXXXXX XXXX XXXX COLLBURFTWB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) 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 2016-09-17
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been with Bayview Loan Servicing Company since XXXX 2013. I currently pay my homeowner premium and taxes in my monthly mortgage payment. On my most recent mortgage statement, I was charged a fee of {$75.00} for " rec corp advance ''. When I called the customer service dept, I was told that this was a corporate advance fee due to insurance verification. They had no other details regarding this fee. I called the insurance dept at Bayview, who had no history of any kind of bill that was paid on my behalf to the insurance company for this. I also talked to my homeowners company who stated they did not request, or complete, an insurance verification and did not bill my mortgage company. I called back the customer dept at Bayview who again said this was a corporate advance fee and advised me to fax or email Bayview requesting a breakdown of these fees, which is absurd. Why should I have to email or fax a request to find out why they are charging me a fee? I would expect the customer service rep, and especially a supervisor, to know this information. I asked the rep for a copy of the bill, which she could not provide. The rep spoke to her supervisor who also could not provide me any information on this fee. Again I have been with Bayview for 3 years and I have never had a charge like this and I have never had any inspection from my homeowners company. This fee does not seem to be legit due to the fact that no one has any answers for me and could not provide me with any kind of proof. I am very upset and do not know how a company can just place a fee on my statement and expect me to pay it when they do not have any proof that any kind of verification was done or any bill showing they paid it. This company has been a headache and they are always very unprofessional when calling in to speak to customer service. 

They are also charging me a {$20.00} fee for a payment that was late due to the fact that the bank account information was entered wrong. I requested to have this fee removed since we have never been late and this was an honest mistake ; however, this was denied. How can a company not even give a courtesy fee removal one time for a customer who is in good standing with their account?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I 've had way too many inquiries put on my credit report. After time and time the finance manager at the dealerships told me sending it out to all banks would only count as XXXX inquiry but they lied about that. Next, I have like XXXX plus inquiries on my report. I disputed them with all bureaus and it still came back saying this information is correct, which it is n't. I want the inquiries removed. I now ca n't get anything due to having too many of 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 explanation
Consumer complaint received 2016-10-01
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and I have unauthorized and fraudulent inquiries listed on my Experian credit report. The following inquiries are unauthorized and fraudulent : XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/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 2020-08-18
Company: LEXISNEXIS
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to Lexis Nexis, They are reporting that the alleged bankruptcy listed on my file is reporting accurately. According to the Court house, the original creditor they never verified with Lexis Nexis this information.

I want Lexis Nexis to Provide their method of verification, on how they verified that this bankruptcy was reporting MAXIMUM POSSIBLE ACCURACY under the FCRA 15 U.S.C section 1681 et seq

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX SERVICING IS REPORTING AN ACCOUNT ON EXPERIAN CREDIT REPORT indicating that a mortagage was paid for and never late. This data was disputed with EXPERIAN without validation as per FDCPA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: DISCOVER BANK
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
3 charges totaling {$1400.00} were made against my discover credit card. I have submitted a fraud complaint to the company which they closed. I have asked for copies of signed purchase receipts, which they have failed to supply.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
A medical collection account of {$100.00} is being reported in my Experian credit report. This is the only agency reports it. I disputed this information with the Experian. I received a response stating that they verified the information. Since the reporting agency claims the account was validated, I disputed the account with the reporting collection agency. 

The collection agency did not reply to my validation request. Since I could n't get a response from the collection agency, I asked Experian to either share the information about who validated and what method was used to validate this alleged collection account or delete it from my report. 

As a response, Experian send me a copy of my report again saying the account was disputed in XXXX 2015. 

As of today, after XXXX disputes, Experian did neither delete nor properly investigated this account. 

first dispute with Experian : XXXX 2015 Dispute with Collection agency : XXXX 2015 Second dispute with Experian : XXXX 2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
I have been sick with XXXX  and had a XXXX XXXX back in XXXX. I was up to date on all four cards. When card number that ends in XXXX was due. in XXXX I paid to bring the balance down to {$12000.00}. Since that time I have been unable to work and had a reduction of income. In the meantime, for some odd reason Bank of America thought I was deceased. They were sending estate paperwork. I called them several times to get this rectified. Here it is XX/XX/XXXX and they have charged me {$900.00} and interest and fees. I called them last week and they advised that there is nothing they can do to stop the bleeding. They are charging me over {$200.00} a month in fees and late charges. This is the second time I have filed this complaint. I have called and left messages and nobody seems to care with the escalation department. I asked them to work with me. That said the account is only 1 month past due. Because it went to estate they have to wait another 5 months. In the mean time I am be hit with ongoing late charges and fees. It's not my fault I got the XXXX  XXXX and lost my income. I was never late until this mess happened. This company has no compassion

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 2021-08-04
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
AFNI is the caller ID that shows up when I receive a call. Consistent calls everyday. When I answer and say hello no one ever says anything then they hang up. 

When not answered they dont leave a message either. Its super frustrating. Im not even sure exactly what theyre calling for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
XXXX XXXX XXXX - XXXX accounts - is still reporting on my credit report and the accounts were opened back in 2007. I thought they were supposed to be removed after 7 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The credit card is a business credit card, but is showing up on my personal credit report and should not be. There are numerous shareholders in this company and the card does not show up on their credit reports. My personal credit has nothing to do with the business credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID OUT OF MY PURSE AND OPEN SEVERAL FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Exeter Finance Corp.
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  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX EXETER FIN 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 2016-02-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My husband and I refinanced in XXXX ( two weeks outside of HARP eligibility ) with Santander ( formerly Sovereign Bank ). In XXXX, my husband and I divorced, requiring me to refinance alone, in order to remain in my home. The lender refused to consider the combination of my XXXX income and private XXXX income, and required me to add my elderly retired father as a co-signee/guarantor, as a condition of refinancing, both in XXXX and again in XXXX, when the loan was refinanced to a lower interest rate. After reading CFPB Bulletin 2014-03, I believe this action violated the law, because my XXXX income and excellent credit should have been ( and continues to be ) sufficient to refinance the 30 year fixed rate loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed