BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, 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:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank 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 2023-04-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
As of XX/XX/XXXX, Equifax is reporting to my credit report XXXX XXXX XXXX finance that was original opened on XX/XX/XXXX, this account is 8yrs & 6months old and according to the FCRA section s605 " accounts placed for collection or charged off to profit and loss which antedate the report more than seven years. I have reached out to XXXX XXXX XXXX XXXX as well as the credit reporting agency alone with complaints CFPB with no resolve. XXXX XXXX XXXX XXXX has continually to re-age this account. This account should be removed from my credit reports. I will wait the 30 days but if this problem is not corrected then I will have no other choice but to file a civil suit against all party 's involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Revco Management, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a debt collection notification from Revco Solutions on XX/XX/XXXX dated XX/XX/XXXX. Rebel claims that I owe {$110.00} in outstanding medical debt from XXXX XXXX from a device worn in XX/XX/XXXX. I have disputed numerous times this amount asking each time for an itemized breakdown of the original {$990.00} charge prior to my insurance payment. Revco sent a response to my dispute on XX/XX/XXXX dated XX/XX/XXXX stating I still owed the debt again with no itemized breakdown of the {$990.00} charge. Based on the Fair Debt Collection Practices Act, I feel the continued unwillingness and failure to provide this itemized breakdown of the charges is fraudulent and unjustified. I am becoming increasingly concerned that I am being victimized by Revco and its unfair debt collection practices. Please investigate this issue and I have attached copies of these notifications for your records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXXXXXX 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 2022-07-05
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There were unauthorized charges to XXXX with my debit card account number, therefore, I contacted my bank, closed the card and was authorized a new card. A few days later there were more XXXX charges to my account. Someone had used the new number without authorization. I do not have any type of account with XXXX and do not want anymore unauthorized charges. 
XX/XX/22 XXXX XXXX {$57.00} XX/XX/22 XXXX XXXX {$78.00} XX/XX/22 XXXX XXXX {$44.00} XX/XX/22 XXXX XXXX  {$59.00} XX/XX/22 XXXX XXXX  XXXX Key Bank is currently investigating this but the only action they have taken so far is closing out my debit cards. XXXX needs to stop charging my accounts since I do not have any accounts associated with that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have a mortgage with Freedom mortgage and in XX/XX/XXXX I was trying to refinance my home mortgage with them it took about five months, I did not realize that my husband was on the loan because I have refinance my loan about four time already with out him but to make a long story short I get his permission to sign his name from the title company name title XXXX who received his affidavit on XX/XX/XXXX now it took them both company to XX/XX/XXXX to have the signing agent to come out for me to sign all the paperwork and this was on XX/XX/XXXX, the signing agent told me and give me paperwork stating that I do not have to pay for XX/XX/XXXX and XX/XX/XXXX rent I have two month free and in XX/XX/XXXX my rent would be XXXX dollars a months but on XX/XX/XXXX Freedom mortgage call me and told me that I did not sign my husband name correctly so it would have to been done all over again, I set it up again for the signing agent to come out a couple of days before XX/XX/XXXX but he call and say he did not get the paperwork so he cancel it, now my problem is that I found out that my husband affidavit that he sign only was for 90 days and it ending in or around XX/XX/XXXX and Freedom mortgage and Title XXXX commit fraud, they knew that what I was signing for my husband was out dated and they still let me sign, this was they plan all alone to let me sign then call me up to telling me it did not take.

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 2021-12-13
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting I C SYSTEM without any proof provided, within the time allowed by law, is not authorized. Below is the account that are reporting on my Credit Reports : ( I C SYSTEM 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 2017-04-16
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I contacted Navient about two years ago to lower my monthly payments since I had just lost my job. I asked the associate what could be the lowest amount I could possibly pay. The associate gave me a number and we agreed that that would be my new monthly payment. I just recently logged on to the web-based account and found that for the last twelve months, the entirety of my payments were going only to interest and none of it was going to my principal. I feel that the associate steered me in the wrong direction and it seems like they did not care about my financial troubles at that time. If I knew that my payments would only be going to the interest, I never would have lowered my payments by that much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On or about XX/XX/2016, I put money into a safety deposit totaling {$26000.00} in cash. On XX/XX/2016, I returned and the money was gone. I complained to PNC Bank at XXXX, IL XXXX. XXXX. I went in person and complained to XXXX, bank manager. He told me to get a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian has an address that does not now and has never belonged to me. In other words, I never lived there.

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 2017-04-17
Company: DISCOVER BANK
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I urgently need XXXX to remove a Discover account on my credit report, that is reporting as charged off. I have disputed several times already and spoken to discover who says they have not been contacted. I was denied a mortgage because of this on my report. XXXX and XXXX have both removed immediately but XXXX has still not removed. I spoke to XXXX on the phone they told me I needed to reach out to discover in order to have removed quickly, I called discover discover says they need to have a dispute from XXXX in order to remove. Both are waiting in the other and I need those removed immediately. Discover says no dispute has been entered from XXXX. However when I call XXXX, they say I ca n't do anything because there is a dispute still in the process. This is my third dispute on this. I was an authorized user on someone else 's account but need to be removed as I am not liable for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Theres been many serious errors made on my credit report which I have identified and am outlining below. 

XXXX XXXX XXXX***** First, this account shows as charged off with a balance of {$6700.00},? Second, it shows No.month of terms as 36 but the  account is Charged off so how can this be?. Not possible. 

XXXX XXXX Reporting that this account is Charged Off but it has a past due balance of {$300.00} on a {$100.00} credit limit? Not Possible. 


12 XXXX  XXXX XXXX  XXXX XXXX**** Reporting this account is Charged off and the amount says {$1000.00} and last reported in 2018 so this is not accurate, Then the same account is reported a second time as XXXX  XXXX XXXX  below with a balance of XXXX. NOT POSSIBLE! 

XXXX  XXXX XXXX XXXX**** Reporting this account twice as 12 XXXX  XXXX XXXX  XXXX  and shows a balance {$1000.00} and this account is showing $ XXXX..This a violation of the reporting laws.

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 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : 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 non-monetary relief
Consumer complaint received 2017-04-15
Company: EAST WEST BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I bank with Eastwest bank in XXXX XXXX area. They hold my payroll check for two business day and everytime I explained to them it is my payroll check ( computer generated with paystub ) Eastwest bank ( serving majority of XXXX customers ) Eastwest bank still hold for two business day, treating me as new immigrants. 
Many times my checking account was insufficient fund for less than {$15.00} dollars, they inform me the situation by phone. The second I learn the news, I rush to the bank in less than 30 minutes and make a deposit in order for me to avoid a bounced check. But Eastwest bank still charge me {$30.00} for it. It have happened so many times.I do n't understand why Eastwest bank inform me and charge me $ XXXXdollars, every time I take one hour off my work with no pay to rush to Eastwest bank to make {$20.00} deposit and be charged for {$30.00} dollars. I prefer they charge me {$30.00} and do n't inform me my fund is insufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been actively working on improving my credit scores. I have filed disputes with XXXX XXXX, XXXX  and Equifax. Directly and now through your support. 
Today, after filing my dispute with you last week, XXXX XXXX is reflecting my Equifax score went down 23 points and there is no changes reflecting why it would go down. 
So, are they punishing me for filing with you? Is XXXX XXXX wrong? Equifax directly does not reflect a 23 point drop, although my score did go down. 
And if you review my previous complaint, XXXX XXXX told me my score went up 57 points when it did not move. 
How can we as consumers be expected to follow their reporting when it is so inconsistent and presumably not accurate? Not too mention the impact these erroneous reports have in our abilities to purchase items that rely on these same credit scores. 
I NEED HELP PLEASE?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Experian Information Solutions 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:
I am going to get straight to the point. Experian is continuing to ignore my requests. This is despite me sending two separate dispute letters AND filing a complaint against them. After that complaint, I sent another dispute in XXXX AND THEY IGNORED THAT AS WELL. If a proper investigation is not initiated by Experian, I am going to file a lawsuit against them. I will no longer tolerate their inaction and their flat out ignoring my investigation requests.

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 2022-04-29
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2021-12-13
Company: Experian Information Solutions Inc.
State: TX
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXnquiry Date XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date 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 non-monetary relief
Consumer complaint received 2022-04-29
Company: CURO Intermediate Holdings
State: TX
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:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: Credit Protection Association, L.P.
State: IA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I had XXXX service for television, internet, and phone in a townhome I owned in XXXX. I sold that property to move into a XXXX, XXXX in XXXX, IA. I contacted Moving Matters, a moving company that specializes in moving seniors into retirement communities. They pack, help downsize, and their designers set up your apartment in the community. I had a cable box, modem and all the hookups needed for the above service. I assumed it was all packed and taken to the XXXX. I checked with the moving company and they said their records showed all items moved as promised. However they told me I would not have needed a cable box at XXXX as the cable was sourced through XXXX. If a resident had a flat screen no cable box was needed. I know I was using the same modem as I used in XXXX or one very similar. ( Model Name-XXXX, XXXX, XXXX ) I lived at XXXX very close to a year and for personal reasons decided not to stay after my grace period of 365 days. In all the time I lived there I was never asked about the cable box or any of the equipment issued to me in XXXX. I still maintained the internet and phone so XXXX had my address and contact information. 

I had lived in XXXX for at least four or five months when I got my first collection letter. This letter was my first knowledge of this debt. 
Date XX/XX/XXXX ; Original Creditor-XXXX ; Account # XXXX I have the Modem ( Model Name-XXXX, XXXX, XXXX ) in question and a HDMI cable that is XXXX 's I think. I do n't know what happened to the cable box from XXXX. Common sense tells me it was in my apartment when XXXX set up my XXXX system. I was not missing anything other possessions that I had marked for the moving company. 

I have several problems with this claim. 

1. If it is customary to return these items and the information I received with the present system made it clear that is the case, why was I not asked for the XXXX Cable box, Modem and other hardware when I left XXXX? 

2. What was used to hook up my system in XXXX? I would like to see the records of the installation in XXXX to check the Serial # of the modem used against the serial # of the modem installed in XXXX. 

3. Did the installers see the XXXX cable box when they hooked up XXXX. XXXX has assured me that XXXX does all the installation. 

XXXX only handles the equipment they use to distribute the signal. So their technicians would not been involved in my apartment set up. 

4. Why was I not notified of this debt before it got to collection?

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