BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-27
Company: Debt Recovery Solutions, LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had previously noticed this was on my credit report a few months ago. I sent out validation letters asking them to validate this debt they said I owed. They couldn't and by law the debt had to.oh been removed. I looked at my credit report and noticed this same debt collextor on there for the same debt, but they changed the open date!! The open date now is saying XX/XX/2018. This debt is about 3-4 years old. Its against the law to re age a collection. Another thing is I was NEVER notified before this. This company is a joke and honestly shouldn't be in bussiness. I have laws under the fair debt that protect me and my rights with this company have been broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-29
Company: Experian Information Solutions Inc.
State: PA
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. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2022-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 contacted capital one on several occasions regarding a loan that's on my credit report. I have advised several times that information was incorrectly listed on my credit report. I contacted Capital one in XX/XX/2021 asking for the payoff amount. I was told the amount and a check was sent. For 3 months after the check was sent it said that the card was paid off and it was reported that it was on time then XXXX through XXXX its showed late and in collections regarding XXXX so no one ever explained that XXXX was late on the account I was told the account was completely paid off in XXXX. This is really hurting my credit I advised capital one of this and they are not helping with the current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Without warning or reason, PayPal suspended my account thereby withholding {$170.00} and preventing me from receiving numerous payments. I have not received any complaint against me nor have I filed any complaints with PayPal. I called PayPal yesterday and spoke to an agent who transferred me to another agent but then PayPal provided an automated message instructing me to email them before disconnecting. I emailed PayPal and merely received an automated message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2022-03-29
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am XXXX XXXX XXXX and can no longer afford my mortgage. I am in a situation were I need to do a short sale. I have signed up for a program called XXXX XXXX XXXX XXXX who can help with the short sale and relocation assistance that I need. 

I have been told that Mr Copper is not letting me do a short sale to avoid a foreclosure. I understand that this file is seriously delinquent and other attempts were made. 

The file is more delinquent because of 20 months of COVID. The other attempts did not get approved because apparently the agents I hired did not know what they are doing. These are 2 factors I am not in control of. I am now working with a group that specializes in short sales and foreclosure prevention. 


I am asking for a 2nd chance to apply for a shortsale so I can relocate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never received an original bill for either of the accounts that were listed on my credit report by National Credit Audit. I recall asking for documentation of this quite some time ago however my request was ignored yet these two accounts remain on my credit report! I also made a call and all the agent ( XXXX ) could tell me is the amount that she was told that I owed and that I can pay on their website and theyll give it to the individuals that said I owed these monies to them. Who are they? Why am I speaking with you and not them? Why havent I received any documentation of this said bill? My address most certainly has to be known since this 3rd party company has accessed my credit report so why wasnt any documentation sent? XXXX even went as far as saying that the company told her that they will take a portion of the amount and dismiss the rest what company? Who? Am I supposed to take your word for it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
These inaccuracies on my credit report need to be removed and blocked from my credit file soon as possible I can not obtain any credit in my names because of this problem please have high concern of this manner it is effecting my financial life thank you XXXXXXXX

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 2023-04-24
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: VA
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 Report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A States I have rights of privacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting Agency can not furnish a account without 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 2023-03-08
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XX/XX/XXXX, I received an email indicating that my credit card with Apple ( Goldman Sachs ) had been closed because " There was a failure to comply with the terms of the Customer Agreement. '' When I attempted to call to ascertain what terms or conditions I had violated, I was told to read the terms and conditions. I am unsure if I should guess what I purportedly violated.

I have never missed a payment and have always paid promptly. I am uncertain what I could have violated. I did write to them recently to ask for a credit increase ; if there was an answer to shut the account down, I am uncertain how that was in violation. 

This also occurred when I had an issue on XX/XX/XXXX where they had been restricted by card without any information. 

I want my account to be reinstated. I have not done anything wrong. 

Respectfully,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23
Company: Bread Financial Holdings, Inc.
State: CT
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 have the card on autopay to pay previous statement balance. In XXXX I had an opportunity to pay the balance from another source and sent them a check for {$560.00} on XX/XX/2020. Nevertheless, they also charged me again $ XXXX and now I have a credit balance. In addition, because of their double billing, I was charged a {$10.00} fee from my bank. I demanded repeatedly they return excessive balance plus {$10.00} to my bank through ACH, exactly the way they double billed me. They are playing XXXX, responding by meaningless messages to my demands and being openly rude and obnoxious when I call them, including the supervisors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have an American Express card with the plan it pay it option. I made the minimum payment towards the " plan it '' balances. There was also a charge from regular card use of XXXX that was not part of the " plan it '' balances. When this charge had posted I was given the option to hit the " pay it '' button to make a payment for that specific charge so it would not increase my minimum payment for the next month. They applied that payment along with the minimum payment to the " plan it '' balances. This increased the minimum payment for this month by XXXX. Their explanation as to why the payment made specifically for the extra charge in its exact amount wasn't applied to it is because they can apply however they want because the statement wasn't generated yet. This makes no sense since I was given the option to apply a payment for only that charge and any balance can be paid before a statement is generated. I know this because I get many statements with a XXXX balance even though there were charges in the statement period. Everyone I talked to with customer service department said they saw the problem and sent me to the plan it department saying they could fix it. As soon as I got to the plan it department they would go into a long explanation of why they weren't going to fix anything. I got passed back and forth like that for a while until the plan it person sent me to their supervisor of some sort that started with the same long explanation. AMEX needs to get their stuff straight and figure out who is in charge of what instead of constantly passing the buck around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Wells Fargo opened an additional insurance claim when I already insurance on added the amount to my monthly premium. When I refuse to pay additional amount, Wells Fargo marked my credit report as me paying car loan 'late '. 

Well Fargo made hundreds of harassing calls to me and when I filed my 1st CFPB complaint XXXX. Wells Fargo informed me that they lost all the records of the calls they made to me. 

Moreover Wells Fargo gave no relief to 2 charge offs on my credit report within 3 months of each other. 

Wells Fargo sent me the title to vehicle I took loan out on with no explanation or apology for what happened at their company with the false insurance. 

Wells Fargo claims they owe me nothing and the case is closed. How convenient.

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 2023-10-16
Company: EQUIFAX, INC.
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Recently, a student loan has appeared on my credit report that does not belong to me. My student has been paid in full for over 15 years. I have tried repeatedly to dispute this with documentation showing it is paid if full, but all I get back is " verified '' or " accurate '', when it clearly is not. I have been XXXX from a leg injury since 2020 and I rely on my good credit so that I can survive day to day with my limited XXXX. I am tired of having false information on my report and struggling to get anyone to listen to me that this is not mine as my in paid in full. I don't know how much more documentation I can provide that shows it is paid, or of my XXXX, but it is like no one is actually reading my complaints and believe some company that is in direct violation of the fair credit reporting act. The only thing I have not done at this point, because I can not afford it due to the XXXX is to file a lawsuit against these companies that want to prey on the weak and innocent. I am attaching my documents again in hopes that they will be taken seriously and they will stop reporting information that is just plain FALSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint against XXXX XXXX has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have the same records. INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to XXXX to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND XXXX to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND XXXX to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND XXXX to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND XXXX to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND XXXX to delete this account/item within 4 business days ( Exhibits provided ) XXXX duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I opened a credit card with Tjx rewards around XXXX. 
I paid in full on XXXX and havent looked back until now. 
It says I paid on XXXX XXXX 2023 but that it didnt go through. Now my credit score has decreased immensely?

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This complaint will serve as a follow-up to my previous complaint which contains the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$2500.00} XXXX XX/XX/XXXX I want the disputed items to be deleted from my file for their fraudulent status.

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 2023-03-07
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This company is reported late payments on my credit report and I have directly sent them a dispute letter requesting them to correct the information and they have failed to yet do so and has also continued to. Pursuant to 15 U.S.C 16681a ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This company is reporting transactions between me and the company which states is excluded from my consumer report. Pursuant to 15 U.S.C 1666b timing of payments to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation