BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-28
Company: Experian Information Solutions Inc.
State: MD
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:
Greetings, I am sending this email in regards to the unfair acts from the credit bureaus ( all three ). I have made several complaints with each bureau, the consumer financial department and FTC. FTC was actually the organization that directed me to put in a complaint here. This is all new to me so please bare with me.

I analyzed and repaired my own credit and was successful enough to get the results I wanted but not fortunate enough to get the score that's earned. I have been working delegently on my credit report for about 3 years now. I understand what was needed to repair my credit and I did so, even if it required me to pay off the debt ; I did what was necessary. 

I was very excited about the process and the possible outcome until I realize that my score hasn't moved much since I started ; That's when the disappointment came. Within 3 years, my score would go up and then drop again. I know you probably believe I am a person that has alot of collections, because I apply for credit and never pay the creditors back. Nope! I can't even get a department store credit card, because I am set back by the credit bureaus. I will need cash for everything and how easy is that to come by living in poverty. And even still, I don't make irrational decisions like that. I've noticed in the past 3 years, the credit bureaus will for example : take my score from 617 to 598 then take it back to 617. It will never move beyond those numbers even with good standing accounts.

Something doesn't seems right. I've open up two secured credit accounts with my bank about 8 monthd ago. Accounts are paid on time and when reported to the credit bureaus, they will not raise my score. I've even opened up an additional secured loan to help me and nothing. My score remains the same which is unfair. I have no delinquents or collections and my credit score looks bad. 

My report doesn't reflect my score and this is holding me back tremendously. All I am asking is that my case can please be heard and reviewed. I did all I can do on my end to better my credit report and I feel stuck in a limbo. I believe there is an error or some type of bias going on, because I can't seem to understand this process and how consumer 's aren't being treated fairly by the credit bureaus. 

This is probably happening to alot of consumers, but noone isn't noticing, so they can't complain. I always observe my report, especially because I'm working on it and I have noticed an unfair pattern that I am very disappointed about. Can someone please assist or point me into the right direction? Thanks in advance. 

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 2017-02-24
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I called University Accounting Services trying to re-establish a payment plan ( XXXX ) for my student loan for " XXXX '' They advise me to call XXXX @ XXXX for them to advise me that my account is XXXX XXXX and they ca n't give me any information to contact XXXX by mail because they do n't even have a phone number for " XXXX '' them self

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Credit card
Issue: Other

Complaint:
HSBC continues to report negative information on my credit report that is over 7 years old. I have XXXX accounts with HSBC that are currently reporting as charge-offs. This information is over 7 years old. I called this to HSBCs attention and disputed with them. I received a letter XXXX XXXX ( see attached ) from HSBC stating that as a customer courtesy they had made the decision to delete the tradelines reporting. That the accounts would no longer be reporting. Since XXXX XXXX HSBC has reported XXXX times to the credit burea and continues to report as charged-off. They reported it XXXX XXXX as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 2021-07-28
Company: CITIBANK, N.A.
State: MI
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:
On XX/XX/XXXX, I logged into my Sears MasterCard online account to find my balance due, but I was presented with a screen demanding that I give them my income, job and current house payment information. Mind you, I've had this card since XXXX and stopped using it for several years due to similar problems. There was no way to cancel out of this screen or a " Later '' option. I was not asking for a credit line increase or any other changes. 

I finally clicked to update my information, at which point the normal menu appeared and I could see what my balance due was, which is what I wanted to get. 

I really resent this pushy kind of attitude from Sears. I won't be using this card again, at least for several years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: BANK OF THE WEST
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
When I applied for the checking account, I chose the option to fund my checking account by credit card for {$500.00}. My card was charged, and the bank claims they have not received the money from the credit card company and will not place my {$500.00} in my account. The bank will not help me find or return my money. I am really concerned about my money being " lost '' by a bank. Repeated calls have led me nowhere.

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 2021-07-28
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are numerous amounts of unauthorized credit inquiries on my credit report. I have already tried reaching out to the reporting company ( 90 days past ) or more to be exact & credit bureaus to removes these inquiries but havent received a resolution to my problem. Due to the inaccuracies reporting on my credit report have hindered my abilities to get loans or credit from companies. I ask that of CFPB to actively support my claim to get these items removed from the credit bureaus. 

Company XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company Prestige Financial / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX DBA XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX/ XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
XXXX XXXX filled out the credit card application. I did not get a copy. 
I would like a copy of the online application filled out online. Card opened XX/XX/2014.

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 2016-08-04
Company: BANK OF THE WEST
State: NE
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 I reinstated mortgage # XXXX with Bank of the West, XXXX XXXX XXXX, XXXX, XXXX. I was in the process of selling the property and provided Bank of the West a purchase agreement, but they refused to work with us. On XXXX XXXX, 2015, less than a month later, the property closed on the same purchase agreement and Bank of the West was paid off at the amount they demanded. 
Previously, demand was made on Bank of the West to this agency for full disclosure regarding all figures supporting the payoff of this loan ; however, the reinstatement figure of {$11000.00} remains unaccounted for. Bank of the West has failed to provide itemization for this figure.

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 2015-10-29
Company: EOS Holdings, Inc.
State: CO
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:
My credit report has a debt from XXXX XXXX from XX/XX/XXXX. I have not been a customer of theirs since XX/XX/XXXX, and I am not sure why they effect my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: TN
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been charged multiple overdraft fees to an account I have at Regions bank despite being opted out of overdraft coverage and being told any transactions would be declined instead of allowing the account to become overdrawn. This account is primarily used for bills and other small transaction so it never keeps a high balance. There have been a few occasions where my account has gone over, but I was not charged a fee because Regions is supposed to decline charges that go over and it is their error when it does. Or so I 've been told. 

On XX/XX/XXXX, my balance was {$30.00} and a charge for {$12.00} was made by me bringing the balance to {$17.00}. I was then charged a {$36.00} fee for unknown reason which overdrafted the account. Being unaware that I was charged this fee, XXXX more charges tried to go through. Instead of being declined, they were allowed to post to the account and I was charged an additional {$72.00} in fees bringing my account to - {$200.00}. 

No explanation was given to me for these charges or why they were allowed to post. They did, however, try to convince me to opt in for overdraft protection which would have done me no good. 

Now, on XX/XX/XXXX, I checked my account to find it overdrawn by {$49.00} because of an account adjustment the bank has done for reasons I can not figure out. A bill was paid for {$150.00} and a transaction for {$58.00} was deducted, leaving the account at a posted balance of {$0.00} as of XX/XX/XXXX. The adjustment was done XX/XX/XXXX with no explanation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Experian Information Solutions Inc.
State: OH
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 noticed I have inquires That I did not request reporting on my credit report. They should be taken off right away.

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 2021-07-28
Company: EQUIFAX, INC.
State: OH
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 noticed I have inquires That I did not request reporting on my credit report. They should be taken off right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: EOS Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On my business phone number, I get voice recordings indicating an attempt to collect a debt and to call back XXXX. I call but have no point of contact or info and am transferred to a generic voice mail where I explain they have contacted a business phone in error and request they discontinue calling this business phone number. The calls continue. The message plays and then music and the message again using the memory I have available on my business phone to allow true business to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Credit card
Issue: Billing disputes

Complaint:
I applied for a job as of XX/XX/XXXX and my credit was checked. I was unable to get a job due to my credit report. As of XX/XX/XXXX, my credit cards were abused by someone that was XXXX. I was under the impression that this was deleted from my credit report. I need to know what I can do to have these charges removed from my credit report. I paid off most of the credit cards. As of now, I only have one credit card. I am trying to rebuild my credit. Please advise me what I need to do. I am unable to pay these charges off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-25
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Caller keeps asking for someone who does n't live here. Told him not to call again. Calls have increased in frequency. Now there is no one on the line when we pick up the receiver

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
" Wellman Weinberg and XXXX XXXX XXXX '' has called me several days in a row about collecting a debt I do not have with them. I do not have no contracts with them, no written agreements and I never done business with these people whatsoever. The number they call me from comes up as unknown then shows the following contact number : XXXX, I find this suspicious and troublesome. Is there something the Consumer Financial Protection Bureau do to stop this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: CITIBANK, N.A.
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Managing, opening, or closing account

Complaint:
My Citi prepaid card expired ( XXXX XXXX ) as I did not check the date and was saving the same for special day gift. ( balance {$96.00} ) I called the customer service and was told that It its expired and nothing can be done and money is lost too. Feel so bad how Citi can do like this.

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 2015-08-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX, My father, XXXX XXXX, passed away, XXXX XXXX, 2014. I have been living in his home for XXXX years taking care of him, until he passed. Also living with us where, my son, his wife and my Grandson. Upon my fathers death, I notified ( HSBC ) Beneficial, sent them death certificate, and explained to them I was willing to take over the debt with a lower payment, or do whatever what needed to keep this home. First they refused to speak with me. Then they have been requesting paperwork after paperwork, to which I keep faxing over and over. They keep stating they do not receive them. I have also sent the Executor paperwork and notarized relinquishment papers from all XXXX of my brothers. I gave them the Estate attorneys information, and they refuse to speak with the attorney. After all this time, they now tell me the home is in foreclosure status, without even notifying me in writing. But will notify me of a date to vacate the property. The only other thing they continue to tell me is " This is not your debt, this was your fathers debt, and you should not be responsible for it ''. My mother designed this home, my father built this home, and I was raised in this home. I gave up a home and property to come back to take care of my father, who was ill. I spent all of my savings to keep this place going. Now they wo n't even give me and my family a chance to keep it, now they want to throw us out on the street. All because " it 's not my debt! " They do n't seem to care that XXXX people will be homeless! 
This is ridiculous, when I have tried to work with them for over a year to adjust payment, or get a new loan in my name to pay for this house to keep it in my family, and to keep XXXX people from being without a home. 
Apparently, they like taking peoples homes and leaving them on the streets. This is not the AMERICAN way to do business people!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested that the charged off credit card no longer be reported on my consumer report. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

You must comply with my request for privacy by no longer reporting this account and making it accessible in the public domain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've been trying to submit my information to XXXX, Equifax and XXXX  and have not been able to get them to properly update my file according to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Experian Information Solutions Inc.
State: LA
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 asked for XXXX XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be 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 explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient is charging an exorbant amount in interest to their borrowers, making it almost impossible to pay off. Most of them will take 10+ years to pay off. I can not afford to pay that much interest simply because I chose to get a college degree. It is not fair to students to have to pay this much interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested that the inaccurate and unverified debt no longer be reported on my consumer report. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

You must comply with my request for privacy by no longer reporting this account and making it accessible in the public domain.

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