BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/23 I went to XXXX XXXX  in XXXX CT. I asked for a domestic wire transfer to XXXX XXXX  in NY acting on behalf of XXXX XXXX XXXX XXXX and a foreign transfer to their lawyers in XXXX XXXX, XXXX. The information that was provided to me to initiate the transfers was from XXXX XXXX where I have a trust in XXXX. At over XXXX hours neither recipient had received the funds. What was most concerning was that the XXXX could not provide me with any documentation on the status of the wire. I use XXXX now known as XXXX. If a similar situation occurs where a recipient denies receiving the wire, they provide me with a full report with exactly where the funds went ie which bank, which account etc. I am appalled that XXXX not only is unable to do this but can provide no pertinent information as to the status. I am selling our home in XXXX which is in the trust and am unable to close until these fees have been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: United Shore Financial Services, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My father passed away on XX/XX/12, he was not married and I'm the only surviving child. I have tried to contact the mortgage company several times to find out my options for the mortgage. I provided the death certificate, testamentary, and a copy of my drivers license the documents that were requested. I have spoken to several different representatives who have given me several different answers and still have not added me to the loan with the correct documentation from the courts. I keep getting the run around, the departments have no direct phone numbers or emails, and now this is 4 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: AL
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:
XXXX is using my identity and saying i owe the 15 USC 1692e I never signed a contract in wet ink with them, true holder must provided original instrument if indebtedness in original form, XXXX has only produced billing statement, which when original opened in 2006, i was XXXX, 15 usc 1637 states, No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX, deceptive forms ; XXXX is saying the are department of Ed, using their name on form when in fact these are 2 different businesses, there is over 125,000 in alleged fees/on report over 15 years/7years limit, which hold a negative weight on my debt ratio, Equifax, XXXX, XXXX XXXX are updating information without all fact/validity ; i ask that all accounts be removed because alleged contract is cancelled void null, lenders & associates must follow the law ; they have removed some accounts not all ; they are not reporting accurately to all 3 bureaus, because one inaccurate item has caused adverse action and knowingly causing harm to my livelihood, they have been reporting different information on all report i provide documents with total on all, not listing all required informations, i have lost a number of opportunities for growth because these inaccuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I disputed all accounts with student loan servicer XXXX. All of these loans were paid in XX/XX/XXXX and are now being serviced by XXXX. The accounts were closed/removed from my report and then added back. I disputed all XXXX accounts on XX/XX/XXXX and again on XX/XX/XXXX. I called XXXX and was told that they could not send a letter but I could print a mortgage statement off line. Then was told maybe a supervisor has access to send the info but no letter was ever sent. I have checked for weeks and the online account will not allow me to open any documents. I have also complained about that issue. I saved the mortgage statement screen as a PDF and uploaded it to experian. It shows I have no loan balances with XXXX. Both servicers XXXX XXXX XXXX are now on my report with the exact same accounts and loan amounts making my debt to income much higher than it should be as well as causing my score to decrease which has caused a negative reflection on me when trying to make certain types of purchases. This is causing me stress, anxiety, wasted time and money when clearly XXXX has no proof of current existing loans. The updates dont go past XX/XX/XXXX as they no longer service my loans and have been paid in full. XXXX will not remove even with proof and numerous calls and disputes.

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 2023-01-16
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
AMEX denied purchasing {$500.00} even after a card payment before the due date. Now the limit has been decreased to less than {$1000.00}. I want Amex to send me by letter a complete explanation about the situation, the reasons, and detailed dates and amounts spent and paid since the account opening. I will submit this to a lawyer that will evaluate the AMEX promotion sent to me and this history for further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to have my visa  debit card opted out of the Visa Account XXXX program. Visa says to contact BBVA. BBVA has over an hour wait time every time I call. I have been unable to find a way to do it myself online. I have tried the web chat and been told the chat is not secure and unable to take any personal information. I have tried holding on the phone until the BBVA service actually takes me through their end of the call survey and hangs up. I do not want my debit card number automatically updated with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
TRANSUNION HAS NOT LET ME DISPUTE CLAIMS ON MY CREDIT REPORT. THE CREDIT SCORE WAS XXXX. NOW THEY WANT ME TO PAY THEM {$29.00} TO GET ALL THREE CREDIT REPORTS. THE FREE ANNUAL CREDIT REPORT DID NOT LET ME DISPUTE ERRORS I FOUND ON TRANSUNION. 

TRANSUNION WOULD NOT LET ME PRINT PAGES ; SO I COPIED THE EXAMPLE : CREDIT MONITORING Dispute Center Alerts Profile Support Logout Dashboard Credit Score Credit Report Credit Lock Tools My Savings My Profile SMS ALERTSStay in the know with Instant Credit Alerts! Setup SMS Alerts now Alerts ( 33 ) XXXX XXXX XXXX   Powered by XXXX XXXX TransUnion Logo UNABLE TO ACTIVATE XXXX   Logo UNLOCKED My TransUnion Credit Score As of XX/XX/XXXX. Based on XXXX XXXX XXXX D XXXX / F XXXX / A COMPLETE YOUR CREDIT PICTURE Score Simulator -- - XXXX / F XXXX / A XXXX Current Score -- - Simulate Now Dont Miss Out on This Featured Offer! 

My Membership Center Your Credit Report and Score are 98 days old. 
Refresh Now Complete my credit picture with a full 3-Bureau profile Get the Full Picture Credit Summary Score Trending Debt Analysis {$27000.00} Balances as of XX/XX/XXXX Payments Total Accounts Open Accounts {$210.00} 41 6 Inquiries ( 2 years ) Delinquent Derogatory 17 0 8 COMPLETE YOUR CREDIT PICTURE Membership Benefits Credit Education More Products Instant Alerts Identity Theft Insurance Fraud Resolution TransUnion 's Fraud Victim Assistance Department ( FVAD ) is available to assist in restoring your identity after an incident of identity fraud. FVAD specialists are trained experts in detection and resolution of credit fraud-related situations, and have in-depth knowledge about laws, regulations and consumer relations policies. 
More Valued Member Since XX/XX/XXXX My Savings About us Who we are Terms of Use Privacy Policy Frequently asked questions My account My profile Credit alerts Credit score Credit report Tools Credit Lock Resources Support Credit education My Savings Blog This site is hosted and operated by TransUnion Consumer Interactive , Inc., a wholly owned subsidiary of TransUnion, LLC. Copyright XXXX TransUnion Consumer Interactive. All Rights Reserved.

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 2023-01-26
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Dear Equifax I have previously disputed this item with you US BANKRUPTCY COURT- Case or ID # XXXX and in response you verified the item as accurate, stating that you have verified the information. Please I am requesting another investigation to be done due to I have a new information that this is not reporting 100 % accurately and complete. 

Public Record : US BANKRUPTCY COURT- Case or ID # XXXX Reason : This account belongs to someone with a similar name. 

Please send me an updated copy of my credit report after this item has been removed and deleted as required by FCRA law. 

Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681i ) and the information must be deleted immediately. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On a few separate occasions I have disputed with all three credit bureaus XXXX, XXXX, and Experian pertaining to a credit card with XXXX XXXX XXXX acct # XXXX for the date of last activity, payment history, status * and the dispute was returned verified. After some further investigation on my part, I am also concerned that these accounts may not belong to me, and/or the reporting to XXXX, Experian and XXXX may be inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), this Notice includes Identification of the specific information being disputed XXXX, Experian and XXXX  reporting for Acct Number : acct # XXXX The basis for the dispute : For Payment Status XXXX is reporting Charge-off, XXXX is Reporting Charged off as bad Debt, while Experian is reporting Unpaid balance reported as a loss by credit grantor. For Worst Delinquency XXXX is reporting Bad debt/collection, XXXX is showing Not Reported, and Experian is reporting Charge off/Other Derog. On XXXX Acct # XXXX status is closed, but reports payment history with a 90+ Days Late only on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on Experian XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no dates were reported on XXXX. Also, for the Close Date XXXX  is reporting XX/XX/XXXX as a close date while XXXX and Experian are not reporting a close date at all. For Date of Last Activity, XXXX is reporting XX/XX/XXXX ; However, XXXX is reporting XX/XX/XXXX and Experian reported as Not reported and closed as charged-off without a date of last activity. Also, for Terms XXXX and XXXX are not reporting while Experian is reporting Revolving. Lastly, for High Balance XXXX and Experian are not reporting anything while XXXX  is reporting a high balance of {$450.00}. I have sent them excerpts of my credit reports showing how these accounts are reporting

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 2020-12-28
Company: AmeriCollect
State: WI
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:
XX/XX/2020 {$500.00} attempting to remove inaccurate information

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Synchrony Bank is running a scam with their " Card Security '' credit insurance. I filed a claim, it tells me there was an error and the claim couldn't go through. So I go to try again the next day and it says the claim did actually go through, strange. I go to get the documentation that I need and this is where is completely falls apart. There is a place where you can download the benefit form that needs to be completed. THE FORM IS BLANK SO YOU CAN NOT HAVE IT FILLED OUT. I have attached the " form '' they provide for your reference. Right from the start, they are trying to make it so you can not use the benefit. Then I call " customer service ''. These people must have had a script and not enough education to read anything except what was on the script. Questions like, " how long will it take for my claim to be reviewed '' got responses like " oh I don't know, I would have to escalate that and someone will call you IN THREE DAYS ''. Questions like, can I get the form emailed to me get responses like, " Yes, we can email it to you but it will take 24-48 hours and check your spam folder because people often don't get it ''. WHY WOULD IT TAKE TWO DAYS TO GET A FORM? The first woman told me a form was mailed to me. Then the second woman, XXXX who is a " supervisor '' but know absolutely no information about anything, told me she had to request it be mailed. So you don't provide the form online. You don't provide it via email or mail unless you specifically request that, without notification you have to do so, then you can't tell the customers if the benefit form will even be reviewed. She couldn't tell me if it would take 3 days, 6 months or 30 years, for the form to be reviewed, this is how clueless she was. All of this is an elaborate program to ensure that people who have bought the insurance can not use it.

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 2023-01-16
Company: Bread Financial Holdings, Inc.
State: NY
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:
Two months ago i opened XXXX visa card that promise me rewards for usage. They also promise in advertisement that {$20.00} as credit to account will be given to me after i spent {$500.00} within three first months. On their it's always impossible to redeem my rewards ( even look at them ), for two months the site gives you message that there is technical issues ( see screenshot attached ). I called them three times (! ) and through barely heard voices ( this is feature of company to fool clients ) i ordered my rewards ( over {$20.00} ) and {$20.00} promotional to be credited to my account. They promise me that and even ( upon my request ) gave me confirmation number. Since that - my rewards disappeared from my account but never show up in my balance. ( See attachment as of today ). 
I consider such practice of company as a fraud and ask you to force them to fulfill their obligations. I want my {$20.00} promotion and earned rewards to be posted on my account immediately! And this business must be investigated, because one hour of waiting on hold is not right practice for financial related company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX i recieved a collection notice and harrassing phone calls from Renton Collections since I HAD never received a bill for any debt ... ... 
I contacted the creditors listed on notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX.. who uses a billing service called XXXX. 

XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX Spoke to a representative named XXXX The biller did not get the insurance information and in fact HAD the wrong home address for me in order to even send the bill .... 
XXXX XXXX evidently did not secure that information from the Hospital ... .although insurance and myself were successfully billed by hospital and other contracted service such as lab work. 
I corrected the information with XXXX whom then told me XXXX would in fact pull this item out of collection since this was in error. 
In XX/XX/XXXX, I received yet another call from collection and notice I informed on call this was taken care of as insurance was just billed in XXXX. Again I called XXXX who went over my account said yes this was supposed to be PULLED out of collection we reviewed that all information was correct. and confirmed a phone # for my insurance and was assured this situation was taken care of. 
In XXXX I received an explanation of benefits showing MY insurance DID in fact pay this bill to make sure i did not owe any i waited 2 weeks and called XXXX a third time they assured me it was PAID IN FULL and was NOT in collection. 

In doing End of year financial items i see a derogatory mark on my credit reports for FULL amount plus interest from XXXX of {$1100.00} plus interest from Renton Collection. 
How do i owe something already paid and confirmed by my insurance carrier? 

I sent a letter informing Renton Collection that this is in FACT paid in full and if they have an issue to contact XXXX XXXX emergency medicine or biller XXXX. 

Today XX/XX/XXXX I received not one but 2 bills for {$1200.00} dollars a bill I DO NOT OWE. 
I want this corrected and any mark taken off my credit record. 
This is illegal going after a bill that has been PAID in Full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX, a debt collector, suddenly put a collections on my report in XXXX from an apparent XXXX issue. When asking to provide documentation of the debt, they refused. I contacted XXXX and Equifax to dispute the collections and have them provide documentation or some sort of verification from XXXX XXXX and they did not. At no point have I lived at the address they quoted for service or done business with the original company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Thaxton Investment Corporation
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: Investigation took more than 30 days

Complaint:
I have tried to dispute to remove and taking over 30 days I am asking to have resolved by removing all Covington credit account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. 
here are the accounts that need verification : 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 2021-01-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been disputing incorrect late payments with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation