BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I received a copy of Equifax credit report on XXXX/XXXX/15 and noted a hard inquiry from XXXX XXXX dated XXXX/XXXX/14. I called XXXX XXXX and requested reason as to why a hard inquiry on Equifax report when there was no request, of any kind, for credit, but rather the opening of a savings account on that date. I was told by representative of XXXX XXXX that " That was the way we 've alway 's done it ''. 
I informed them, I felt, a hard inquiry, which results in a lowered credit score, was inappropriate for the opening of a savings account and that I would file a dispute with Equifax. I did. 
Apparently, Equifax simply contacted XXXX XXXX and verified that they intended to make a hard inquiry on that date, regardless of the reason, and found in there favor. 
I submit that proper procedure, as I understand it, has always been that a hard inquiry to a credit report, which does in fact affect a credit score and therefore someones credit worthiness, should be initiated only in the event of a request for credit, in some fashion, and not at the vendor 's random discretion as in this case, the opening of a savings account. 
End result was that my credit score was lowered for opening a savings account. 
Does this seem fair? XXXX XXXX and Equifax seem to think so!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: FL
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 XXXX Account # XXXX, XXXX, XXXX, XXXX has violated my rights. 

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

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 2022-02-26
Company: MIDFIRST BANK
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good morning, I fell behind on my mortgage payments with Midland Mortgage for rental property that I owned out of state during the pandemic. I was in and out of work, changing jobs several times beginning in XX/XX/XXXX. I entered into deferred payments with Midland Mortgage sometime around XX/XX/XXXX thanks to the CARES Act. I made payments when I could. The opportunity to sell the property presented itself XX/XX/XXXX and I leapt at the chance. The house sold in one week. I spoke with Midland Mortgage shortly thereafter explaining that the house would be empty for most of the time up until closing, and that I wouldn't be able to continue with my payments until the sale closed. I informed them that they should expect to be paid in full and estimated the closing for early XX/XX/XXXX. All of the representatives at Midland Mortgage that I spoke with said that that would be fine. One of their agents went so far as to say that I wouldn't be in any serious danger of repercussions until XXXX of XXXX. To my disappointment, the closing was delayed a number of times and stretched into the new year and closed on or around XX/XX/XXXX. 
Midland Mortgage then reported " Serious Delinquencies '' of past due payments of over 120 days to the credit agencies. I called Midland Mortgage and expressed my disappointment because I understood that the CARES Act protected me from negative reporting. The agent at Midland Mortgage agreed with me stating that I have the option to submit a dispute, which I did XX/XX/XXXX. XX/XX/XXXX they denied my request. 
The short version of my story is : Not one of Midland Mortgage 's agents made mention of the possibility of a seriously bad credit report. If I had known in XX/XX/XXXX that Midland 's derogatory reporting would prevent me from obtaining another mortgage or even getting an apartment, I would have found a second job. I used to have good credit and all of my bills are paid early, with the exception this rental property mortgage because the CARES Act afforded me some relief. This pandemic has been hard on a lot of Americans. I'm one of the more fortunate ones. I don't see how my bad credit report benefits Midland Mortgage. They have their money. My account is closed. All I am asking is for Midland to amend the reporting. 
Thank you for taking the time to hear my complaint. 
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 non-monetary relief
Consumer complaint received 2020-09-30
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive reached out to this collection company twice to inquire about collection on my credit report. Both times I requested information verifying that with mine because I do not have any memory of going to this location. I also have full medical coverage that would have paid my balance in full had it been mine. I looked in my records and found nothing, Ive never received a bill from this medical office. The first time I spoke with the collection agency they told me they would mail me a letter, the second time I spoke with them and informed him that I did not believe that was mine they hung up on me. I attempted to call back they hung up on me yet again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX/XXXX/2017 I disputed {$2100.00} worth of fraudulent transactions made on my American Express Serve prepaid account. Despite having adequate proof that these transactions could not have possibly been made by me, my dispute was declined via email in less than 24 hours with no cause. These transactions all occurred in another state while I had my card in my possession. I was also advised that my account was locked and suspended. I later received a letter and a check for the balance in my account. When I called AMEX Serve, I was told that I could write into the corporate office to appeal the denial. I wrote AMEX, but have not heard anything from them. This situation has placed me in a difficult position as I can not pay bills and support my household.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-03
Company: LEXISNEXIS
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to freeze my LexisNexis consumer disclosure report, yet despite several attempts both by mail and by phone, the company has yet to comply. 

So, I am requesting a security freeze be place on my Consumer Disclosure report. I opt out of LexisNexis disclosing future information until further notice, which includes the C.L.U.E report and other reports furnished by LexisNexis regarding all personal information of mine. This includes information currently shared with XXXX  and other third-party reporting companies. 

This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 

My identification is attached to perfect this request. 

I am also opting out of any and all sharing of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been a chase customer for several years. I recently opened a new checking and savings account to take advantage of a {$500.00} promo. Additionally, I opened a joint savings and checking account with my fianc. Shortly after opening, I attempted to add a mailing address online for my new accounts that was different than my home address. This caused Chase to go completely crazy. My accounts were frozen and then closed ... and my money - more than {$150000.00} - was never returned. Several calls to Chase have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions 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:
Third party reporting agencies are not updating my credit score and are showing closed accounts with old information that should be deleted.

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 2020-03-03
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:
Good afternoon, unfortunately I believe I am a victim of identity theft. My information has been compromised and used to obtain goods illegally on my behalf. My credit is completely destroyed and I can't even get approved for a car now that mine broke down. The accounts that I suspect are fraudulent are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX and XXXX XXXX as well. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Sequium Asset Solutions, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am filing this complaint against Sequium Asset Solutions , LLC, because they are trying to collect a debt that I agree I owe some on but I do not owe all of the fees they say I do and I have tried to contact the company to resolve this issue.. It is an original debt from XXXX, and they will not provide me with the documentation showing what I really owe. My bill was {$72.00} monthly, and the bill they say I owe is {$100.00}, because the last bill owed was {$91.00}, but they could not tell me why the bill was this much. I have been trying to resolve this with XXXX since XXXX of 2021. The XXXX phone number for this account was XXXX. All I want is for XXXX to show me an itemized copy of my last bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Bread Financial Holdings, Inc.
State: MD
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:
I saw an unauthorized inquiry from comenity capital bank/bjs wholesale on my report on XX/XX/2020 I never applied for any credit with these companies and I have called them severally

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/2001 upon my XXXX  XXXX. I instructed the ambulance to take me - from the airport to XXXX XXXX XXXX- because I have a charity care with XXXX XXXX. However, they decided to take me to XXXX XXXX I didnt know where this was at the time because I was in so much pain and couldnt breathe. 
However, upon getting to south XXXX it was decided upon that I needed immediate XXXX and it was done- but, I needed XXXX again & was transported to XXXX XXXX XXXX my request- but, medical situation dedicated otherwise. 
I was transferred and while being there I spoke to the nurses/doctors/social worker/s regarding my no insurance. It was taken into consideration and was given the speech on financial assistance -FAP . Upon release I wasnt given those documents- long story it was horrible to say the least And now we are here. So, Im surprised at this juncture Im reported to collections without given lawful ways via FCRA etc and calls after calls by agency how do i correct this? Also, they have placed these bills on my credit report Ive reached out to the agency twice and still no changes. Ive also contacted the hospital where they are willing to work with me for financial assistance but the bills keep showing up on my credit report even after I told the credit reporting agency - XXXX  and they have done nothing.

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 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 reporting inaccurately on my credit report are due to fraud. 
I am requesting legal documentation from all the listed accounts and items : XXXX  XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX XXXX  # XXXX XXXX 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 2022-08-18
Company: REGIONS FINANCIAL CORPORATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a promotional flyer from Regions Financial Corporation in XX/XX/2021 stating I could open a new checking account and receive a {$500.00} bonus if I met the qualifying criteria, including a ) enrolling in online banking and b ) making 10 or more purchases with the account debit card, both within 30 days of account opening. 
I opened the account and then waited approximately 3 weeks to receive the debit card. From there I made 10 purchases, but the last 3 transactions were held in 'Pending ' status for a number of days, and only processed once the 30 day deadline was past. According to Regions this meant I did not meet the qualifying criteria and the bonus was denied. 

This feels intentionally unfair and deceptive - by not a ) providing the debit card in a timely fashion and b ) seemingly manipulating the processing date of transactions ( to Regions benefit ) it seems impossible to actually qualify for and receive the promised bonus. 

I made a complaint to Regions that this practice seemed purposefully unfair and deceptive and have received no response. I also closed my account to avoid receiving further fees associated with the product.

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 monetary relief
Consumer complaint received 2016-06-24
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I purchased our first house in XX/XX/2016. Shortly after, the value of the XXXX XXXX financed home lost considerable value. We were also hit with XXXX that nearly cost one of our lives. Needless to say, our medical bills, recovery expenses, and loss of employment were financially devastating. We fought through our challenges and upheld our responsibilities of paying our bills. We elected to pay the PMI on the note until we could reach the XXXX % equity threshold based on the original loan amount and the outstanding principal. We contacted SETERUS, Inc. several times to discuss our situation and confirming that we will in fact have PMI removed once we meet the XXXX % threshold. We sent in funds to SETERUS Inc., with a letter directing the sent funds to be applied to principal only. I have XXXX issues : 1 ) SETERUS, Inc. failed to apply all 100 % of my principal reduction payment to the payment ( as directed on the accompanying letter and on the personal check that was deposited. ), rather, SETERUS, Inc. took it upon themselves to apply 38.9935 % of the sent principal reduction payment to monthly payments ( our account is/was not delinquent, therefore the amount was applied to future payments ), and only applying 61.0065 % to the principal without our consent nor approval. Directions with our funds were not followed ; part of the 38.9935 % of the money that was mis-directed was paid to SETERUS, Inc. in interest ... interest on future month 's payments. 2 ) SETERUS, Inc. states that the automatic termination date of the PMI policy is impacted by the step rate adjustments, thus they are unable to provide me with an exact date the PMI policy will automatically be removed from the loan. They state, " Please note, additional principal balance reductions do not change the automatic termination date of the PMI policy. '' Their PMI Cancellation Letter request that I complete a form, and submit a {$350.00} non-refundable check for an appraisal fee of the property. In the fine print, the letter states that they will only look into the possibility of removing the PMI if the {$350.00} is attached and clears. These {$350.00} are non-refundable should our account not meet the eligibility requirements of PMI removal process. Our account qualifies for the HARP refinance option, where an appraisal of our property would be completed free of charge, regardless of our loan-to-value ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX account was previously deleted from my consumer reports. XXXX was reporting unsubstantiated information and was therefore removed. Upon checking my credit. I noticed that the credit reporting agencies also re-inserted the XXXX account. The fair credit act says that the reporting agency must notify my in writing 5 days before re-inserting the items on my credit. FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY ( CONTINUED ) I have not received any information from the reporting agency as to the steps taken to verify the validity of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Transfinancial Companies, Inc
State: LA
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 SENT 2 LETTERS TO XXXX  ON THE XXXX AND XXXX OF XXXX, WITH NO RESPONSE CONCERNING THE INACCURATE ACCOUNT OF TRANSFINANCIAL , INC.THIS HAS BEEN A STRESSFUL PROCESS WITH NO HELP IN THE MATTER.TRANSFINACIAL ARE REPORTING DUPLICATE ACCOUNTS WITH XXXX   AND THEY WONT REMOVE THE ERRORS.I HAVE ATTACHED THE COPIES OF THE LETTERS BELOW

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX rejected my XXXX Credit card application stating too many credit cards were opened during last 2 years as per Equifax. As far as I know only XXXX credit cards were opened and I usually carry a XXXX balance on all my credit cards since I pay them off right away. As an example if I make a purchase today from my credit card then I pay it off today or tomorrow and my credit score is over XXXX. I am not new to XXXX and already had a banking relationship with XXXX for last XXXX years and own a credit card from XXXX as well which has a XXXX balance. XXXX publish promotions online which I called a bait to attract customers like me reject them giving XXXX stories. I believe I was treated unfairly due to Equifax report and approve my credit card application ASAP since I have a good credit history for last XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored to provide me with documents that their company has on file that were used to verify the accounts I disputed. Being that they went past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- THEY ARE REQUIRED TO " PROMPTLY DELETE ALL INFORMATION THAT CAN NOT BE VERIFIED. '' that I have disputed. Please resolve this manner as soon as possible. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Discover Card calls me up to 6 - 8 times a day. I always return the call when they leave a voice mail. I advised them I had an arrangement that I could afford and they told me I had to pay more. My other credit card companies accepted this arrangement but Discover keeps harassing me. I had to have my phone # changed already and I 'm thinking about changing it again. They found me this time but I will be more careful if I have to do it again. I almost claimed bankruptcy but would rather try on my own. However, I got ta do what I got ta do! Please advise.

Company response to consumer: Closed with explanation