BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Three major problems : 1 ) When calling the bank its extremely difficult to navigate the system to get help with a live person. It keeps saying I don't understand. Then you have to wait on hold for an absurd amount of time. They won't call you back like alot of businesses are doing now. You just have to wait on hold and listen to this person repeating and talking constantly. Its crazy.

2 ) On the mobile app. you can't see more than a few transactions for your credit card. So I can't determine if I got a refund on a purchase. Or see more than a day or two of purchases.

3 ) Terrible bank they do very little to help on anything. I went to the bank and the line was down the block!!!!

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 2018-03-16
Company: WELLS FARGO & COMPANY
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:
cra violation sent po report and ftc violation of my right inaccurate information

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 2023-10-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2023-06-06
Company: HILLTOP HOLDINGS, INC
State: KS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since XX/XX/XXXX I have been trying to begin the loan assumption process for my husband to assume my co-signers portion of our mortgage. My co-signer has not lived at this residence or made any financial contribution to this loan since XX/XX/XXXX. I have a court ordered settlement agreement stating that my husband and I must assume the mortgage. However, I am getting nowhere through emailing : XXXX, or through Primelendings chat portal or by messaging through the dashboard. I am routinely disconnected in the chat portal and while on the phone with customer service. 

In XXXX of XXXX, I did receive an assumption packet/application, but it was for an FHA loan . We have a USDA loan I re-submitted my request for the assumption application along with a completed Release of Liability Application in XXXX of this year, and again in XXXX and XXXX. I received one confirmation/ receipt reply for my request in XXXX, and was told that I would receive the remaining assumption paperwork/application after a review period, which never happened. I have received no response outside of an automated please allow 7-10 business days to process your request since XX/XX/XXXX. 

I sent a certified letter to XXXX/Primelendings assumption department on XX/XX/XXXX, it was signed for and received. As of today XX/XX/XXXX I have still not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a text on XX/XX/XXXX from a number I didnt recognize that said; Welcome! You'll rcv msgs from XXXX XXXX Collector. Msgs vary by acct/pref. XXXXsg & DataRatesMayApply STOP to optout HELP for info. XXXX & XXXX 's : XXXX I assumed it was a scam text message as I get those quite often and they usually have a link attached to the message similar to how this message does. On XX/XX/XXXX I notice a collections account on my credit report from LVNV Funding that they reported as late on payment. I didnt recognize the name and I know I XXXX received any communications from a company called LVNV funding, after a bit of digging online I quickly was able to connect that resurgent capital and LVNV funding are the same company using a different name. Aside from what little information their text message relayed Ive received absolutely XXXX communication, in the mail or otherwise, validating or verifying the debt and I never was informed of my right to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted XXXX XXXX and Experian via certified mail on XX/XX/2022 to initiate further investigation and removal into incorrect information/mis-reportings on my credit report. 


I had previously worked through the reporting institutions as well as a credit repair agency for help with this matter, to no avail ( yet ). 

They are reporting false and inconsistent informational and have given no basis of proof for why or how they are determining this. 

They have neglected to respond with any of my requested information, and are not properly verifying this information. 

Additional Notes : We are disputing a claim from XXXX XXXX put a charge-off on our account without notifying us ( a CfpB complaint was filed ) I will attach : my letter to XXXX my letter to Experian a screen shot of the credit issue on my report so you can see the details and inconsistencies with dates, amounts and information.

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 2019-11-17
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Chase offers a XXXX credit card, advertising additional rewards for spend at XXXX hotels  ( 4x vs 1x for all other spend ). In late XXXX, XXXX announced a partnership with XXXX XXXX XXXX  ( XXXX  ). In XXXX of XXXX, Chase updated their credit card terms to include these XXXX properties as eligible for additional 4x rewards. 

From an email sent directly to me on XX/XX/XXXX advertising this : Subject : Cardmembers Earn More in More Destinations Excerpt from body : " As a World of XXXX or XXXX XXXX XXXX, you can now earn even more when you stay at participating XXXX hotels. 
4X World of XXXX Credit Cardmembers can earn 4X points on eligible spend at participating XXXX locations. * '' This matches terms on the current credit card page at https :  //creditcards.chase.com/travel-credit-cards/world-of-hyatt-credit-card : " Bonus Points : You'll earn 4 World of XXXX Bonus Points for each {$1.00} USD spent on purchases made at XXXX hotels and resorts ( including at participating restaurants and participating locations that are owned, managed, franchised or licensed by XXXX Corporation or its subsidiaries or affiliates ) and at participating XXXX properties. " XXXX XXXX XXXX '' or " XXXX '' means properties affiliated with XXXX XXXX XXXX of the World Limited that participate in the World of XXXX Program. " Participating XXXX  properties '' means any hotel or resort that is affiliated with XXXX and participates in the XXXX of XXXX XXXX. For more information about participating XXXX properties, please https : //hyatt.com/promo/small-luxury-hotels-of-the-world. '' I have stayed at several participating XXXX properties, and based on this advertisement, used my Chase card. 

On XX/XX/XXXX I stayed at XXXX XXXX. {$410.00} charged on XX/XX/XXXX. 
On XX/XX/XXXX I stayed at XXXX XXXX  XXXX. {$1100.00} charged on XX/XX/XXXX. 
On XX/XX/XXXX I stayed at XXXX XXXX XXXX. {$300.00} charged on XX/XX/XXXX. 
All three of these charges failed to post the advertised 4x rewards ( only posting as 1x for every day spend ). 

I have tried to contact Chase suppose on XXXX. First response from Senior Service Specialist XXXX just made up an excuse that hotels have to be owned by XXXX to qualify ( nonsensical as XXXX rarely owns any hotels, and contrary to published terms ). Following up, XXXX claimed Chase doesn't have the ability to determine what is a XXXX hotel, and therefore blamed XXXX. Unfortunately the locations listed are listed by XXXX as participating and linked to by the Chase terms ; therefore, failing to meet their advertising and contractual terms of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: TX
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an UPDATE of the following erroneous information on my credit report : 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 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 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 2022-11-10
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: Credit inquiries on your report that you don't recognize

Complaint:
I financed a car. I tried several times to get the dealership to fix the car. They put it in the shop XXXX times and didnt fix the problem. I broke down in the car so I had it towed to a XXXX dealership where they told me that the car needed a timing chain. I bought the extended warranty at the dealership when I signed the loan. The warranty company refused to fix the car with the excuse that I didnt have an oil change receipt but the fact is I only put a total of XXXX miles on the car and the dealership supposedly did an oil change on the car when I bought it. The car did get repossessed but I feel the dealership and the warranty company were and still are using fraudulent tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY XXXX the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need this account deleted or updated. 
This is the item I demanding to be deleted immediately : XXXX XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

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 2018-02-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a dismissed bankruptcy chapter XXXX on my credit report since 2011.. I have asked the credit bureaus to remove it cause its not verified.. I have a letter from the courts stating that they did not verified it .. Experian is using a three party to verify this incorrect info .. I have sent them the letter from the court and still cant get a response

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 2019-10-17
Company: SUNTRUST BANKS, INC.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, my son passed away. In early XX/XX/XXXX, I contacted the mortgage holder, SunTrust, to begin the probate process in order to prepare to either sell the house or retain the house for his sister. A customer service representative said they would mail me a package of forms to complete. After waiting a couple of weeks without receiving the package, I followed up. The customer service representative said they needed a death certificate which we faxed to them. Still no package, called again, customer service representative said there was not record of receiving the fax and they needed death certificate and probate letter in order to send the forms. Still no package of forms. Repeated calls, no response. After we closed bank account and auto draft payments stopped we received letter addressed to my son that account was delinquent and a home preservation client representative had been assigned and he was instructed to call or email her. Telephone number provided was not reachable by direct dial had to go through customer service to leave message. Multiple voice mails and emails were unanswered of a 4-6 week period. Letters continued to come. Finally notice of foreclosure from an attorney firm. Talked with the legal firm, they could not provide us a contact. We finally got a call back from the home preservation client representative. She said she would send a package of forms for us to fill out to stop the foreclosure sell and allow us to sell the home in order to regain the equity. She asked us to send the death certificate and probate letter again. We did. Two weeks, no packet. Left message. She called and said did not receive death certificate. We provided the receipt number documenting it was received by her company. Six weeks, no packet, no return call from messages left, no emails answered. Foreclosure attorney continues to move forward with foreclosure sale. We need someone to stop this sale, provide us the paperwork so that we can put the house on the market and sell it. We need time to sell the house. We just recently received the payoff amount from the foreclosure attorney. SunTrust would never provide that to us. My grandson wants to try and buy it but he can not do so in the time remaining.

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 2022-11-10
Company: EQUIFAX, INC.
State: AZ
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:
I am requesting an updated address and name information on all three credit bureaus.I 've contacted each credit bureau individually via phone and postal mail services with no resolution. The inaccurate information has caused a financial blockage which has added additional stress to my day-to-day life post-pandemic. With limited access to resources, I am currently living house to house with loved ones as I attempt to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/2022 a alleged amount {$4100.00}, XXXX XXXX XXXX XXXX DID NOT contact me as the LAW REQUIRES. 15 U.S code 1692g Validation of debt. A furnisher MUST mail a letter to the consumer and allow the consumer time to write a validation of the debt. Equifax, WHAT ADDRESS DID XXXX XXXX mail a letter to me so I can ask for validation of the debt? I asked XXXX XXXX using a CFPB complaint. XXXX XXXX has a address XXXX, NC. I don't have a PREVOIUS or PRESENT ADDRESS IN XXXX, NC. Please check my credit report for my addresses. I have attached the document XXXX XXXX sent me in a responds complaint # XXXX. Please look at the address on the letter and compare it to my previous and present address. No MATCH. XXXX XXXX has and is violating the fair debt collection practices act by putting a account on my credit report without notifing the correct ADDRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found errors on my credit report and wrote letters to Transunion, XXXX, and XXXX  on XX/XX/2020 asking them to remove the inaccurate information. I didnt received any letters stating why the items were placed on my report. I demand each item removed as it is inaccurate and is passed the 30 days. 

Thanks

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 2019-10-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My complaint is with Equifax. I have numerous times tried to access my information thru there website only to be referred to an XXXX number that is automated and ask you a series of identifying question. To only then still be denied information. I have had an account with XXXX for months now it is now paid in full. They report to all 3 credit bureaus. But it is not on my Equifax nor has my credit score changed in 3 or 4 months now eventhough it does show that there were credit inquiries made. I feel like the drop the ball on accuracy of information and consumers are being penalized for there negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have some issues on my credit file that need addressed, my name is XXXX XXXX XXXX SS XXXX XXXX XXXX. Please remove any other variation of my name it is not accurate ( Please delete XXXX XXXX, XXXX XXXX ) The following addresses are not mine please delete XXXX XXXX XXXX # XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # # XXXX XXXX XXXX, CT XXXX I have requested documentation from the following 5 collections agencies : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX # XXXX. Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
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  I don't want this on my report, these are negative accounts reported under my name.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: IL
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:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2022-03-17
Company: Experian Information Solutions Inc.
State: MI
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:
As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. The payment history is incorrect. I was never late on these accounts. I've already sent a request to Experian to correct and update these matters but I am not sure if they have conducted a thorough investigation for these items : XXXX XXXX XXXXXXXX Balance : {$620.00}

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