BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: TX
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Navient Solutions, LLC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have tried to reach out to the credit bureaus as well as the department of education in reference to my loans. A lot of the loans are past the statue of limitations so they should be removed from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon checking my credit in XXXX of 2020 and noticed that I had a collections on my credit report from this office. Upon contacting the office, It has been over 6 months since I complained about this matter and they have not seen this resolved. This is having a negative impact on my credit score.I have requested validation of the debt over 3 times, and they have failed to produce this. Additionally, on their own website, they state if they can not validate this within 30 days, they will delete the information from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
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: Information is missing that should be on the report

Complaint:
I might be moving and will need my credit above a certain limit to apply for certain apartments. My credit score with Experian was above, but close, to XXXX of the common minimums rental agents want to see. Several weeks ago, I applied for an apartment and my presumption is that the agent ran my credit. 

A few weeks ago, Experian reduced my credit score by 14 points, dropping me 6 points below that common minimum threshold. Experian is no longer recognizing XXXX of my XXXX credit cards, which comprises 25 % of my available credit but which I don't often use, and this failure on their part may factor into their new score calculation. Notably, XXXX and XXXX both acknowledge that credit card and my scores with those bureaus are higher. Another factor in the calculation is probably my credit usage, which had increased but then paid off a couple weeks later. Of note : a day after that balance was paid, Experian sent me a notification that my credit score had increased, but when I checked, my score was still the same. 

After Experian decreased my credit score, they began sending me marketing emails to sell me a new credit card. Their inducement is that I can raise my credit score by opening a new credit card. Before they decreased my credit score t

hey were not sending me these types of emails with any such frequency. I believe Experian has made an inference about my current need to make use of my credit score, and has manipulated my credit score in order to sell me financial services. I believe Experian is prioritizing my credit score remaining slightly below threshold, as a lever by which to manipulate me, over accurately and timely calculating my true score which would restore my credit to above that threshold commonly used by rental agents.

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 2017-05-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on  XXXX  Chase Bank reversed a temp credit to my acct processed on  XXXX  due to a dispute with  XXXX .  Chase sent  a letter dated  XXXX  advising of reversal but gave no explanation as to why nor did they allow me to provide to them any documentation prior to reversal taking place - to prove I have tried numerous times via email and telephone to resolve issue. Seller promised twice to have a local gene ral manager c ontact me to resolve issues however no contact as of today since  XXXX   XXXX   Seller stop ped responding to email contacts on  XXXX    XXXX  .  Chase m akes it very difficult to speak to a supervisor, and equally to spe ak to a manager. Manager refu sed to escalate this matter as he stated firmly that anyone above him would only repeat to me the same. Chase bank states they do not resolve or get involved with disputes regarding " wear and tear '' although I explained repeatedly problems are due to defective parts. Which is an entirely different situation. Bu t Chase reps ref use to get past the term " wear and tear :  XXXX  dictionary states " Wear and tear is the damage or change that is caused to something when it is being used '' however, I state the part is defective as I only was able to use a couple of weeks when it built up a very unusual rust buildup . Defective | Definition by      XXXX  is " imperfect in form or function '' I assume mnft did not apply a protective overcoat to the part - which has now caused damage to a underlying part due to the rust. After I rec.t he Chase r eversal letter I faxed to them on  XXXX   XXXX  all of my email communications with  XXXX .  Chase n ever responded. I refaxed again on  XXXX   XXXX    XXXX   - still no responce. After calling & much arguing to escalate my call I spoke with a  XXXX  based in Ohio and later with a supposed manager named  XXXX  approx on  XXXX  Neither would accept my refaxing my documentation nor would they provide to me a hard copy reflecting Chase policy in regards to their so called " wear and tear '' policy. Whe n Chase manager   XXXX  was finally worn down he was attempting to imply my complaints to them were not received in time however I reminded him I had fax transmit reports proving dates and times my emails were sent to  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: REGIONS FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I opened an account with Comdata in XXXX of XXXX for my truck drivers to purchase fuel for long distance trips. My account code is XXXX. The cards were setup for fuel only and on situations were a driver needed cash for roadside assistance, truck wash, fax service, etc. I manually generated an EXPRESS CHEK code ( XXXX ) from the Comdata portal and send code to the driver with the amount available on the code to access cash or pay for service. 

On XX/XX/XXXX we hired a new driver, XXXX XXXX XXXX whom managed to withdraw cash advances from the fuel card without me knowing. The fuel transactions Mr. XXXX was making were legitimate but the cash advances were fraudulent. From XX/XX/XXXX-XX/XX/XXXX Mr. XXXX stole a total of {$28000.00} not including the fees for the cash advances. 

On the weekly statements Comdata sends in the mail ( " Daily RECAP SHEET '' ) these cash advances were not listed on the summary only express codes and the total purchases for each card. During the first week of XX/XX/XXXX we had a business slow down but the comdata fuel expenses were still high. I called in Comdata for help and when I spoke to a representative they guided me to a section of their website where I will have to run specific reports for detailed explanations and that's when I realized the fraudulent cash advances Mr. XXXX was taking with his fuel card. 

I have filed criminal charges with the XXXX, New Jersey Police Department against the driver. I immediately reported all the fraudulent transactions to Comdata however they are refusing to issue credit for the charges because they claimed the driver had a card. However I never requested for this drive or any driver to have access to cash advances that was the purpose for the express chek codes. If they would have listed these cash advances on the weekly recap statements I would've notice the fraudulent activity but they were not listed.

I believe Comdata needs to credit me back for these transactions as they never notified me about any cash advances this driver was fraudulently making or any of my drivers, and they also never notified me that my drivers were able to get cash advances with their fuel cards. I have attached a copy of what the daily recap weekly statement looks like and it does not show anything for cash advances.

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 2017-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My case was closed today after the company provided a response. When I read the response I wanted to offer feedback but the option was not allowed to open as the link stated file not found and the case was closed. Case number was  XXXX  against Bank of America who is charging late fees. In their response they stated the payments were automatically refunded, but this is not true as I had to call and was told by their staff I had to call to have them refunded. Overall I am not satisfied with their response and the overall length in time it took to respond if the response was that simple. There is no language to suggest that they will change their language as I had requested in my complaint.

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 2022-03-25
Company: CrossCountry Mortgage LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received a loan and our first payment was due XX/XX/XXXX. The amount was mailed with the temporary mail stub we received at closing and cleared our bank on XX/XX/XXXX. Payment sent to CrossCountry Mortgage LLC XXXX XXXX XXXX, XXXX Ohio XXXX. 

We notified the service provider in XXXX that the payment was not reflected even though it cleared our bank account. A copy of our bank statement was provided to the service. 

Our second payment was due on XX/XX/XXXX. It was paid on time, however the payment credited to XXXX and our XXXX payment was reported as not received. As you would expect the process has continued. After receiving no communication from the loan services ( except for statements that do not reflect the payments properly we are looking for additional support ). Even though we filed written complaints with the service provider we now today received a delinquent notice dated XX/XX/XXXX. We are at our wits end. Perhaps you can get someone attention at Cross Country Mortgage , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Wells Fargo sent me a pre-approved business credit line offer XXXX XXXX, 2017 I was denied because I already have a " similar '' product with the bank. This was only after they ran a credit check and dinged my credit. I told them this was not disclosed during the application period nor the full disclosure. My complaint is this could have been avoided if WFC knew what the left and right hand was doing. " See too big to fail '' In addition, the bank nor my personal business banker communicated the denied credit line via phone, email, letter etc ... I had to call them XXXX XXXX 2017 I have asked them to remove the credit inquiry and apply the favorable terms to my current " similar '' product as of XXXX XXXX. They agreed to removing the inquiry and are pushing the terms to the underwriters.

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 2023-01-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX reported late payments to all 3 credit bureaus ( Experian, XXXX, and XXXX ) for periods where they were made aware that the signers employers were completely shutdown due to the covid national emergency. XXXX reported negatively for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I attempted to rectify this with XXXX and they refused. I also attempted ti rectify this with the all the credit agencies and they completely disregarded the CARES act along with my entire dispute. 

This completely violates my rights under the CARES act : Congress acted by passing the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act or the Act ), billed in part as a comprehensive COVID-19 relief plan. Recognizing the importance of consumer credit reporting, the CARES Act included provisions which attempt to protect consumer credit if the consumer enters into an accommodation with a furnisher of consumer credit data. An accommodation is an agreement to defer one or more payments, make partial payments, forebear delinquent amounts, modify a loan or contract, or receive any other assistance or relief granted by a creditor, to a consumer affected by COVID-19 during the covered period. The covered period is the period beginning on XX/XX/XXXX and ending 120 days after the national emergency terminates.

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 2023-03-03
Company: First National Collection Bureau, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I win a bid on XXXX, i pay the item with a temporary credit card number ( from XXXX ) but i never receive the item and they never ship to me! so i decide cancel the transaction we went trough several calls etc. and they give me a resolution at that time ( summer of 2017  ) they says ( XXXX ) is all clear for me. but years later i start receiving collections letters offering to me pay in payments etc. i call it again, resulting again was all clear, now they put me in my credit report like I'm still owing that money for the item i never get! i call again to paypal, but they don't have any records that shows i owe that money. but still in my credit records, i really need to remove that mark as soon is posible, may affect my credit score, thanks in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX AND XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14 22 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
For the first time a '' Memorandum of costs after judgment of accured interest '' dated  XX/XX/XXXX  was mailed to my old address from  Persolve LLC  case #  XXXX   XXXX  Courthouse?! It was a long time before I could find any case info because the website indicates  XXXX   XXXX  Courthouse not  XXXX . I was shocked to find out this Company filed summons  XX/XX/XXXX , got judgment in     XX/XX/XXXX .  I was never informed, called, served or anything mailed to me for 7 years!!!!   This  Company filed Writ of Execution  to  XXXX  County  XX/XX/XXXX . In  XX/XX/XXXX 7 they garnished my Bank account and took money!!!!!! I filed Claim of Exemption  XX/XX/XXXX .that was mailed to wrong address again after I gave the Sheriff correct address and phone number. I do n't know who this  Company is or owe anything to them. How can the Court o rder against me without giving me a fair chance to defend my self. I ca n't explain how violated I feel. I am  XXXX . My only income is from  XXXX . I am a   XXXX   XXXX   XXXX  . How can they do this to me? It is hard to deal with day to day suffering from my illness.   BUT THEY MANAGED TO STEAL MY MONEY. I have court on  XXXX  because Persolve filed notice of opposition to claim of exemption???? I have contacted  XXXX ,  XXXX   XXXX  and  XXXX  they have no records of any negative accounts. It is deceptive collection practices and misleading the  Court, The Judge, The Law  and myself. I need some one that will stand up for me and stop others from being unfairly taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, I had a XXXX policy that paid XXXX that was deposited into my savings account, and upon looking over my financial records to see how funds were dispersed, I noticed that the money was not all withdrawn by me, but I can not account as to where it went. I would hate to think that someone at my local branch went into my account but that is very possible. I feel as if there was money stolen out of my account at the time that the XXXX was deposited into my account in 2022. I have made several calls to this location, and even took off of work to sit down with someone to no avail. I was told I needed to make an appointment for that type of inquiry, and my employer does not allow a lot of time to take off of work. I have been unable to get any one to call me back since last yeat 2022.

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 2017-05-07
Company: Experian Information Solutions Inc.
State: NC
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 had a card with XXXX XXXX XXXX, well i fell on hard times and was XXXX i missed 3 payments and they garnished my XXXX check for 2 yaers i made payments of XXXX and then they took my tax refund from a tax offset of XXXX. The card was a XXXX. Limit. And listed on my credit bureaus was XXXX with late pays.. with making payments of XXXX a month for 2 years is not even close to oweing them over XXXX. They owe me a refund when i told them of their oversight they told me i never paid them.. even thou i have all the TOP payments made to them. I do not feel they are justified to steal someones money just cause they can for 2 years they took payments and then they take XXXX from tax refund.. how is that legal. I wrote them 2 letters and 2 emails. They refuse to make this write. Please help me.

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