BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It's been brought to my attention that the CRAs are reporting and accurate information according to according to the 15 USC 16 08 it is their grave duty to report accurate information however they're reporting negative information on the consumer. The reports are causing me harm as a consumer not allow me to obtain personal household goods so in all it's all an adverse action I'm unable to sleep I'm stressed and worrying about something that already is governing by law that consumer report agencies should not have late payments on a consumer. According to 15 USC 1681 ( A ) it is the credit reporting agencies grave responsibility to report accurate information however they are reporting information that is violating the consumer. Please stop reporting late payments in consumer transaction. Under title 15 USC 1666 ( A ) ( 2 ) any such information pertain to all Credit reporting agency information that is making it hard for me to obtain goods and service unfavorable to the consumer. According to what I see on Metro 2 you all are reporting unaccurate information and this information is a violation to the consumer It's a detriment that you all stop reporting inaccurate information. Please provide me with the name of the people that you have received this information from and I mean a human being what is their name and when did you receive the information I need such information as soon as 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: EQUIFAX, INC.
State: NY
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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I had received a phone call from my bank that they are going to close my line of credit because of my credit score has changed and I asked them it must be a mistake and they give me few weeks to take care of the problem. I immediately purchased a copy of my credit report from XXXX where I noticed my credit score has dropped down by XXXX points due to a collection account from a company called convergent outsourcing for an unpaid XXXX account that is not mine. earlier today I spoke to XXXX which was not cooperative to remove this account from my credit report.

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 2022-05-05
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX is allowing old accounts like XXXX XXXX report a closed account past due for 30 days I paid it off in full in XXXX there allowing XXXX XXXX and other accounts included in my bankruptcy to report Experian and XXXX and XXXX refuses to delete a name and addresses that does not belong to me I have already sent a letter with showing my id bank statement and ssc still have misinformation on reports I have a lot of accounts included in bankruptcy still reporting they are allowing inquiries on my credit that I have disputed like 40 inquiries and they still allow the inquiry to stay on all reports

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 2023-11-03
Company: National Credit Systems,Inc.
State: IN
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:
The charges on this account i am not legally responsible for. Per the original contract with the original creditor, westway garden apartments. I opted not to renew my lease when my lease ended, provided forwarding address which is still my current address for over 6 years now. XXXXXXXX XXXX  never sent me a copy of the final walk thru or an invoice with a breakdown of charges or fees which were to be provided within 30 days or they were to return my deposit. Ive requested this information several times to no avail. Due to them failing to provide me with this per the terms of my lease contract i am not legally responsible for the collection. I dont have the slightest idea of what these charges are for. I finished out the entirety of my lease. I did not default on the contract, XXXX XXXX XXXX violated the terms of the contract. I know my rights and my credit has suffered for over 5 years because XXXX and XXXX wont remove it from my credit report. XXXX has actually removed it from my report but XXXX and XXXX refuse to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I chose to close a secured credit card account with Capital One in XXXX. I was informed at the time that it would take 2 billing cycles before I would receive my deposit as they would need to apply any subsequent charges to the deposit balance. As of XXXX there was a balance remaining of {$150.00} and this has not changed as of today ( XXXX ). 
I attempted to contact Capital One to inquire about the status of my deposit and was transferred to two different departments before being given the same information ( about the 2 billing cycles ) and that there was no further information they could provide at thisi time. This is unacceptable and I am being given the runaround in hopes that I give up and leave my remaining balance with Capital One to do as they please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I attempted a purchase for {$20.00}, at a local gas station, using my debit card. The attempted purchase was declined even though there was over {$4000.00} in the account. Later, that evening, I attempted to transfer {$200.00} from that account, into another checking account that I have at the same bank. I was told that the transfer could not be made because there was a " hard hold '' on the account. When I ask why there was a " hard hold '' on the account no one would tell me why. In closing, this is not the first time that a " hard hold '' has been placed on this account. To remove the last " hard hold '' i had to take, to the bank, legal documents, including a death certificate.

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 2023-08-02
Company: AMERICAN EXPRESS COMPANY
State: GA
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 have disputed 2 addresses with XXXX, and they keep refusing to remove it. It is not my address and I have never gotten any credit from this address. I have lived in my same home since XXXX. They say it is a American Express. I have had cards where a business used my information to open the cards. I have sent Amex that as well and told them to send me validation it was mine and they still can not validate the debt or show me proof of how these addresses are mine. It is hindering me as when I need to verify myself it wants me to use an address that is not mine. Why are addresses being used that are not mine and fraudulent and why can't I have them removed when they can not prove they are mine? This is very frustrating for me that people can use my information and I am forced to keep it on my credit report, and it is not me nor have I ever used these addresses. I am not sure what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16
Company: Credit Karma, LLC
State: IA
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: Personal information incorrect

Complaint:
I have repetitive tried to get credit karma to change my last name to my new legal one since getting married XX/XX/XXXX. They refuse even though I have gave new drivers license, new social security card and marriage certificate.I want my last name changed from maiden to my married. From XXXX to   XXXX Contacted them XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX email and numerous times thru website. 

Thanks for contacting Credit Karma Member Support! We're currently experiencing high volumes and will respond to your message as soon as we can. 

We've received your request and created Ticket Number XXXX. If you'd like to add to your message, please respond directly to this email. As a reminder, here is what you submitted : XXXX, XX/XX/XXXX, XXXX XXXX PDT : Again I am requesting you change my last name from XXXX to XXXX as it is now been my legal last name for almost a year. 


Credit Karma Member Support, XX/XX/XXXX, XXXX XXXX PDT : Hello XXXX, Most certainly understand your concern. Credit Karma is not a credit bureau rather a Credit Monitoring Service and as such, we are unable to edit the information you see on either report and that would include your name change. 

You will need to contact XXXX and they will in turn explain what is required for you to make necessary changes. Once they have updated their file, you will then be able to make changes accordingly. 


Here 's how to contact XXXX to obtain your credit report, credit score, and or for any other reason : XXXX : XXXX ( general ) or XXXX ( fraud ) ; XXXX. XXXX  XXXX, XXXX, GA XXXX ; XXXX XXXX : XXXX ( general and fraud ) ; XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX : XXXX ( general ) or XXXX ( fraud ) ; XXXX. XXXX XXXX, XXXX, PA XXXX ; XXXX Hope this information proves to be useful. Should you have additional questions or concerns, please do not hesitate to ask. In the meanwhile, have a great day! 


Credit Karma Member Support XXXX, XX/XX/XXXX, XXXX XXXX PDT : I legally changed my last name XX/XX/XXXX -- -- -Original Message -- -- - From : Credit Karma Member Support ( Credit Karma Member Support ) XXXX To : XXXX XXXX XXXX : Mon, XX/XX/XXXX XXXX XXXX Subject : Re : Last name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The complaint is with the following Credit/check reporting company : CHEXSYSTEMS XXXX XXXX XXXX XXXX, MN XXXX I recently applied for a checking account with XXXX XXXX and the bank denied the account due to information with CHEXYSTEMS. I have exellent credit for decades with the XXXX major bureaus. I have 5 bank accounts with the major banks and 1 with XXXXXXXX XXXX XXXX. I have never run into any issue ever on opening an account I have never heard of CHEXSYSTEMS. Neverthless I have made numerous attempts at requesting whatever information that may be inaccurate and deragatory that led to a denial on my checking account opening with XXXX XXXX. However i only get automated information no matter what i attempt when i call XXXX XXXX XXXX or XXXX XXXX XXXX I also tried creating an account with CHEXSYSTEMS that only results in an error ( see the attachment ) and recommends a call to CHEXSYSTEMS customer service. But then I am back to the begining where I can only reach automation. This is very frustrating Experience

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 2017-04-07
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received two letters and they both were dated for XX/XX/2017 from two different collection companies. I made an settlement agreement with XXXX XXXX XXXX, XXXX, but decided not to pay because one letter state Resurgent Capital Services out of XXXX, SC and the second letter was from XXXX XXXX XXXX out of XXXX Ny and both list XXXX as the owner. On my credit report XXXX XXXX services and XXXX XXXX XXXX are both reported. Please confirm whom is the correct collection of this debt. The original owner was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Confusing or misleading advertising or marketing

Complaint:
Bank of America and The CA EDD are currently in cohorts to not release any new UI to its citizens. The online CA EDD phone number has been de-activated this past week along with BofA taking no responsibility over their fine print stating they can process Emergency Funds from your UI prior to the card arriving. This is not the case.

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 2023-04-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
When Covid-19 emerge I lost my job and wasn't able to pay full monthly payments. I have sent partial amounts every month less than the amount due. The bank charged me with late fees and overdraft fees during the entire time. Even though I sent in my partial payment before required due dates. I've constantly tried to work with them on several occasions since I lost my job during Covid-19. I've repeatedly asked for some assistance in this matter and unfortunately I'm still unemployed. Also, this account has been reported to all 3 credit bureaus as a charged off 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 explanation
Consumer complaint received 2017-04-05
Company: Quality Loan Service Corporation
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My lender wants to foreclose on my home but have refused to provide a payment accounting statement and proof that my loan was sold to them in accordance to the Fair Debt Collection Practices Act. Last week they posted a Notice of Default - ( a stack of papers at my front door containing my loan number and personal information ). I feel like they are trying to embarrass me. The papers stated that they do not have a valid phone number for me but that is a lie because I have been talking to their insurance department. My water heater leaked and caused water damage, Seterus held on to the insurance payout check. They are paying me in increments as the repairs are being done. So it is not possible for them to claim that they do not have a working number for me. They had also sent a lady from XXXX to take pictures of our house, my husband even closed the garage door for her to get a good picture.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: Bliksum, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I just received an email from Loan Me in XXXX, CA for Application for Credit Denial dated for XX/XX/2019 for a loan i never applied for. I immediately called them and said I never applied for credit with you guys last month, after speaking with the representative I asked to go back in his system on XX/XX/2019 and tell me what representative from Loan Me authorized my credit report to be pulled, assuming they would have that information, he declined and said his system doesn't show it. Their system doesn't show who was assisting the client on XX/XX/2019, are you kidding me? All the information is done over the phone and they can't tell you who you were speaking with or who was handling your personal information. Now I have another inquiry on my credit report for a loan I never applied for and Loan Me can't tell me who authorized to run my credit report on XX/XX/2019. Sounds like the representatives are running credit reports on people without getting there authorization to fill a quota requirement. I will be filing a police report today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: AMERISAVE MORTGAGE CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a mortgage though amerisave. Was preapproved {$250000.00}. Property we purchased was XXXX. Got a week from close was denied with no further explination. Amerisave has a XXXX closing garrentee refund. Applied for that refund. Days later I was called with a conditional approval requiring me to bring an additional {$25000.00} to close. Talked to everyone from sales rep to management. And was given a work around from the very start. After talking to management they pretty much told me to get a lawer if I wanted the refund that bad. Basically saying to me that do this work around all the time and there is no way ill get that refund. Very Disgusting way of doing buisness.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-06
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been on an income based payment program with Navient for the past few years which made my interest rate around 4 %. I was asked in XX/XX/XXXX to call to extend the program or my rate would increase to 9 %. When I called they said that my income was not high enough to qualify for the program and that my payment would increase from {$450.00} to {$760.00} per month. Needless to say i can not afford this amount, so I asked to speak to a manager who re-reviewed everything and told me that my income was too high. Ultimately I am trying to work with them on a payment program that i can afford, and that is reasonable but they are playing games. i am looking to refinance now, but am really hoping to get some advice and help on how to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had a loan through a bank that was discharged and cancelled and I paid taxes on the amount as income. However they are still reporting the charged off amount on my credit report as a XXXX dollar balance on my charge off when the debt was cancelled and not owed anymore.

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 2019-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.

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