BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-05
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/XXXX. I received a statement that they are updating the system and the direct deposit needed to be re-entered in the system. I tried to re-enter the deposit with a representative over the phone. The representative helped me to log in however the system was having issues. The representative helped to remove the old account so that I could re-enter the new account. After I completed the update I asked the representative to check the account to make sure the information is updated and that we have everything completed. She confirmed everything looks good and the information and date is set for direct deposit. The following week I traveled out the country, went I got back I received notifications of the payment being late. I am disputing the late payment reporting. I have had this account for more than 5 years and never had a late payment. When I called Discover requesting a courtesy to remove the late payment due to system error and their update as well as having a great payment history, they said there is nothing they can do about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Good day, I am writing this complaint, because while in the loan modification process. I have been advised that a sale date is still being scheduled on my property. I have been cooperating with the bank and going backa nd forth in submitting documents for a fair review to lower my monthly mortgage payement. Please help me out as I do n't want my property to go on sale. This is my home and my childrens home.

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

Complaint:
I have XXXX XXXX XXXX accounts that are over 7 years old that I want removed and also XXXX put a judgement on me after it was on me as a collection for 7 years. 
Also, I have a tax lien that is over 7 years old and should be removed from XXXX county. All of this is on all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have written about this dispute SEVERAL times and neither Equifax nor CFPB has taken proper action. 

Equifax continues to report INACCURATE information even though I 've complained directly to them, and via CFPB. I have sent documents via CFPB to support my claim, but NOTHING has been done to correct the error. Why does CFPB exist if they FAIL to uphold the law that requires them to penalize the CRB 's for inaccurate information when PROOF of the errors has been submitted?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have contacted Equifax multiple times to inform them that they are reporting someone else 's outdated Public Records information on my credit file. Transitions have not removed this information from my credit file to date. The XXXX/XXXX/2010. I need your assistance in getting this matter resolved and removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-02
Company: FIRST NATIONAL BANK OF OMAHA
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I got a voicemail from a debt collector saying I needed to return the call because they were trying to serve me with papers for a lawsuit but were unable to find me so I had to call and update my address. 
When I called they said it was about a lawsuit ( court date was supposed to happen within 10 days from the call I received, on XXXX XXXX ). They offered me to settle for more than 60 % less than what I I supposedly owed. 
I knew I had a debt with said original creditor but did not remember the exact amount which appeared to be way off. I gave them my email address and asked them to send me details about my account as I did not remember the exact amount. 
After hanginf up with them I went online and ordered my credit report. As I suspected, the amount did not match what the debt collector said ( The original debt on my credit report states {$4.00}, the debt collector said it was {$3.00} and offered me to settle for {$1.00} ) Also, the collection agency which holds my debt as it is on my credit report is XXXX XXXX XXXX not XXXX XXXX which is the one who contacted me. Different name, different number, different address. 
I also did a search online on the Stete of Washington Courts and called the court in my city as well to find out if I had really been taken to court. No records were found under my name whatsoever. 
So I called the agency who contacted me and told XXXX XXXX XXXX that I needed proof that they really owed my account and were legitimate as I could not confirm any of the information they gave me as correct. 
He then proceeded to threaten me saying my wages were going to be garnished and before he hung up on me he said " We will see you on court on XX/XX/XXXX ''. 
I have the copy of the validation letter they sent me along with the proposed settlement. 
Not sure how to proceed as the information does not match and also think it was not professional and very suspectful that he became upset and simply hung up on me after being confronted and requested further information. 
Also, came to learn later on that a guy named XXXX XXXX who had contacted me before at work, had also contacted a family member revealing private information about the referred debt and also leaving a message saying if I did not call them back, they were going to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 2021-09-30
Company: Resurgent Capital Services L.P.
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 have requested for several accounts to be investigated, this investigation took well over 30 days,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax removed inquiries from my credit report and then re-inserted them without notifying me. The non-notification is a FCRA violation and I would like the re-inserted inquiries removed as soon as possible. I tried to call but the wait time is too long. I called 3 other times and the lines were busy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
{$10000.00} in my checking account wells Fargo trasancions and tranfers Not resolved. 
My credits cards i have only XXXX XXXX  XXXX end XXXX and have XXXX in XXXX XXXX  XXXX and 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 2022-11-23
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: Information belongs to someone else

Complaint:
I was told my explain that the account is not on my credit report but it is this account was not removed.

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 2016-04-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Dear Sir/Madam, I have requested my annual report online like I do every year. Equifax tells me I am denied my free report and has asked me to MAIL them a copy of my social security card, my XXXX and my driver 's license copy. I am 100 % confident that I have answered all my verification questions with care and correctly! It seems like they are looking for the smallest reason to deny reports to consumers. I have contacted an agent who only gave further attitude and threatened to cut communications. I have an email saying my report is ready and I have an order number form Equifax. I successfully logged in to my account but all I see is buy now buttons! Nothing is free! Equifax is not letting me see my free annual report that was granted to every US citizen by federal law ( s ). I am writing to let you know that Equifax is being very aggressive and using everything not to let me see my free report. All they do is solicit me for selling their products! They are using my email to get me to log in to buy products from them! They are not giving me my free annual credit report! 
Thank you for your help and taking time to look into this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Initiated credit freezes at all XXXX bureaus in XXXX of 2015. 
Equifax and XXXX now require a form letter and ID to be sent via mail to receive the free credit reports. XXXX still provides the report online. 
Equifax and XXXX are being punitive since I initiated the credit freeze.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: MA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am unable to find a phone number that will get the to the correct person and/or get the report I need. On-line just says can not do it on-line due to information not matching but I verified I entered correct information. I had personal info hacked on an account and need to get credit report but not letting me on-line and can not get hold of anyone to see what the issue is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I went to People 's United bank branch in XXXX XXXX XXXX on XXXX XXXX, the rep let a customer walk right up after the other customers and I were waiting for 20 minutes or more. All I did was ask how can someone just walk to the front of the line and a teller named XXXX said in a very nasty manner because another bank sent her here and I said she can just go to the front of the line. Well another bank sent me there I did n't just go to the front of the line. I then asked her why she was getting Nasty her tone was very rude, when another teller by the name of XXXX jumped right in our conversation and the rep at the business counter that was assisting the customer jumped in the conversation as well. I believe her name is XXXX it was hard for me to see her name tag. They were unprofessional arguing in front of other customers with me until another older lady in line came and told them she agreed with me. They started going back and forth with her as well. The customer then said I thought the customer was always right. I 've been banking there for over 15 years and I did n't deserve this treatment for asking a basic question nor did the other customer. I would like something done about this or else I will have no other choice but to stop doing my banking there or any other peoples bank branch. I hope to receive a response I 'm a supervisor in customer service and would n't dare to treat my customers in such a horrible manner. Maybe because no manager was there is why this happened since I have never experienced this before, there should always be a manger or someone there who knows how to treat customers. At least XXXX other people experience problems with the reps and they were all requesting a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/XXXX I received a letter from Jefferson Capital Systems LLC stating that acct # XXXX XXXX Ref # XXXX Debt Description : XXXX ACCOUNT Amount of Debt {$61.00} needs to be paid & the options I have to settle this debt. 
I contacted XXXX at XXXX & was transferred to the collection department when I supplied the account # on the letter. They stated this was a fee for a transfer deposit totaling over {$2500.00} to this XXXX account from XXXX XXXX for some sort of custom knives in XX/XX/XXXX. She suggested that maybe I sell things like on XXXX, which is incorrect. I have never used XXXX to sell things. There is a charge of {$61.00} fee to receive the funds. I inquired what bank account this XXXX account was linked to as it is separate from the legitimate XXXX account that I actively use. She stated this account was never linked to a bank account & she asked me to verify my email address. I gave her my email address XXXX. She said that does not match the account but she would be unable to provide any more details regarding this account because it was sold to XXXX XXXX. I requested to close the account so it may not have further use & she stated that XXXX XXXX would assist me with that. If I want details & proof of the debt/transactions I have to contact XXXX XXXX. She gave me the # to contact them at XXXX. 
I contacted XXXX XXXX at the number provided XXXX per their instruction. XXXX XXXX required I give them my personal information which I did not feel comfortable doing just to talk to them regarding the debt. Then stated they do not have any details regarding the debt, nor can they close the account. They just know the balance & are seeking payment of the debt. They can not provide proof of the debt. The notice I received in the mail says I can request proof of debt from XXXX XXXX. He then stated he would be marking this as a disputed account & no further action would be taken until the investigations team could take a look at the account. I requested to speak to someone on investigations or anyone that could give me more information & he just reiterated that they do not have details regarding the debt & said this will be referred back to XXXX for payment & resolution. I should receive a letter from the Investigations team around 60-90 days from now detailing the outcome of the investigation that I apparently don't need to play a role in according to XXXX & XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have been trying to dispute this XXXX account for several months. Equifax has had this in continual dispute for well over 60 days. I have reached out to XXXX on multiple occasions, and they have NO RECORD of me in their system. They have no way to even pull this account up, as they no longer have the information in their system/never had information attached to me. 

I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report on this day over almost 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 ) of the Fair Credit Reporting Act, it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been almost 60 days as a result they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2015-12-30
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
The company calls me from XXXX to XXXX repeatedly non stop. I have told them I lost my Job several times and to take me off robo call. Also they were to relay the message in their notes. They still call me even after I make small payments though i dont have a job. The company also reported negative remarks on my credit even though i have been trying to make payments with no job and am totally compliant. I recently caught up on the payments and the next payment seems to be more than what I owe for the minimum. I payed up and they called me yet again non stop and filled up my cellphone mailbox the very next week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: CA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation