BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-20
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I have disputed this creditor on my credit report XXXX. with XXXX and Equifax more than several times and I just keep getting the same result despite my efforts of sending documents to support this claim against this creditor. I have filed complaints on this creditor a long with a compliant about XXXX. some years ago. since then I have filed a lawsuit against them for violating the Debt Collection Practices Act. and they are reporting the account closed but. also the XXXX and Equifax keep putting remarks on this account saying its affected by natural Disater it is not a current student loan it is over thirty years old its just been updated because the THE GOVERNMENT KEEP LETTING THIS COMPANY OPERATE WITH THEIR RUTHLESS PARTICES DESPITE ALL THE COMPLAINTS AGAINST THIS CREDITOR. DESTORYING PEOPLE CREDIT AND LIVES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Wells Fargo Home Mortgage sold my loan to XXXX XXXX effective XX/XX/XXXX  and provided a telephone number for XXXX XXXX, a number I simply can not speak with live representative. I called Wells Fargo and a gentleman who spoke with me told me that they've been receiving a lot of complaints from other customers. Yet Wells Fargo did not have any other number for me to call XXXX XXXX. 

I filed a complaint with CFPB against XXXX XXXX ( Complaint # 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 2022-11-11
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: Was not notified of investigation status or results

Complaint:
On ( XXXX ) I disputed an account reported by ( XXXX XXXX ), in the file you maintain under my social security number. I was informed on ( XXXX ) that the item was deleted on my credit report. By XXXX. I was informed by Equifax the account was deleted on XXXX, and XXXX deleted the account on XXXX Now I have discovered that the item has been reinserted on my credit report. 

The collections account needs to be deleted as my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
I own a Discover credit card with an authorized user. My e-mail address was changed on the website without my permission. The authorized user made a payment that came back. Without my knowledge the account was marked 30 Days late on my credit report. I contacted the Discover and explained that I was never notified of non payment/late payment due to not being contacted by Discover via e-mail, phone, or postal mail. I was told by a Discover supervisor that they only report to credit bureaus after 60 days late. XXXX from XXXX was very kind and promised she was send the information over to Discover credit reporting stating it should not have been reported as it was a one time mistake and I was not informed. Had I known I wouldve been happy to make a payment. I disputed with the credit bureaus and it was not deleted. I explained that my email was fraudulently changed and was told by other supervisors nothing could be done. I was hopeful that it would be removed off of my credit based upon fraud and Discover allowing 60 day late payment before reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX  - Date Opened - XX/XX/2015 In accordance with the Fair Credit Reporting Act my rights have been violated as a consumer Pursuant to USC 15 1681a ( 1 ) Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting. It is the purpose of the subchapter USC 15 1681 ( a ) ( b ) that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit in which a manor that is fair and equitable to the consumer. This information is not relevant, fair, or accurate and was improperly used. There were no reasonable procedures meet I wasnt even contacted about this manner.

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 2024-01-10
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit 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 XXXX XXXX, I purchased a bunch of chocolate bars while on vacation in XXXX. They were gifts for people back home in the US. My daughter opened hers and saw that the chocolate was rotten. XXXX and discolored. And it tasted disgusting. I went online with the Barclay 's AAdvantage Mastercard to open a dispute. The online system kicked me out when I answered " no '' to " have you tried to return the item. '' Obviously I couldn't fly back to XXXX. I tried to contact the place in XXXX where I bought them ( XXXXXXXX XXXX XXXX ) but they don't monitor their XXXX  page and I'm guessing it would cost me a lot to call them. 

I then called the CC/Barclay 's to open the dispute since the online system didn't work. I was told I had to send in written documentation, which I did on or around XX/XX/2023. I sent the receipt and a pic of the nasty chocolate. Weeks went by with no information, so I called again. 

I was told they would not refund my money because I bought the stuff in person and apparently, it was my job to inspect it????? When I told them that it's ridiculous to think that I need to open every food item I will ever buy to make sure it's not rancid is beyond ridiculous. I made numerous calls to agents and supervisors and at one point they canceled my card and hung up on me. 

So if they canceled the card due to the {$55.00} issue, that tells me that it was a bad transaction and that my money should be refunded. They were beyond rude. I even wrote to them online ( XXXX ) to be told they can't really do anything. They offer a lame apology. So now I'm out {$55.00} and my CC has been closed. I don't ever plan to use the card again so I don't wish for it to be reopened.

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 2021-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I am trying to pay my capital one collections account but they make it impossible. When I call I put in my social and it redirects me to a law firm I have never heard of. This law firm tried to get me to enter into a consent judgement form that would allow them to garnish my VA XXXX. 

I had no idea what this was and the lady on the phone said it was a pay for delete agreement. I had to XXXX it. Capital one themselves will not negotiate with me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: First Technology Federal Credit Union
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2020, First Tech Federal Credit Union removed the ability to add additional payment to your principal when making your normal monthly payment online. I have asked multiple times when this issue will be resolved and the only responses I have received were " the functionality was not working correctly and will return when it can be fixed ''. The removal of this functionality means that a member has to call, wait on hold, talk to a user, explain what you want, and be able to pay additional principal on your loan if they want to pay extra principal. I do this every month and can spend more than 30 minutes per call to get my payment processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 had inquiries I didn't recognize on my report when I called Transunion they don't pick up and when I finally get through i get passed around ... no one at Transunion wants to take responsibility for anything. I have sent in an identity theft report and Police report and nothing was done.

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 2024-01-10
Company: SUNRISE CREDIT SERVICES, INC
State: MI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX I attempted to open a credit card at a business. The customer service department for the business stated the credit card could not be approved because I had an XXXX XXXX account that was in collection. I never opened this account. After further investigation, I discovered that the account was being handled by Sunrise Credit Services for collection, and it was opened in XXXX of XXXX. I found the account had an invalid address on file, but they refused to give me more information about the account other than that the amount owed, {$1800.00}. I reported the fraud account to XXXX XXXX, but without an account number, I could not access any more information about 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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My account from XXXX for approximately {$200.00} went into delinquency around XX/XX/XXXX and ( I believe ) into collections around XX/XX/XXXX. I paid XXXX XXXX, XXXX {$110.00} as an agreed settlement back in XX/XX/XXXX. However, they have reported back onto my credit reports as a new collection as of XX/XX/XXXX. I need them to remove this from my credit reports as this was paid, as mentioned above, on XX/XX/XXXX. This is reporting as a new collection, which is affecting my score. Again, it is imperative that the company remove this 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 2023-07-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX  XXXX Balance : {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: Shellpoint Partners, LLC
State: NC
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:
New rez is lied on forum by replying to my previous complain XXXX that no negative credit reporting was done by new rez team. 

I am attaching email from New rez team " XXXX " for loan number XXXX where they advised me new Rez couldn't refinance my loan because negative credit reported buy new rez team. 

2nd. I am attaching other mortgage lender email where they said they cant do refinance OR new loan because of negative credit reporting. 

How can New rez lie in forum and how can this forum accept lies and close my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
in Late XXXX Portfolio recovery started contacting me about a XXXX account in my name that they had purchased. After many back and forth phone calls and trying to figure out this account I found out that this was indeed my account and the person who was using it was someone that lived in my house and was now deceased. So after speaking with a Portfolio recovery representative discussing options, and asking for a breakdown of how they came to the amount due total. they verbally offered me a 1 payment offer of XXXX. This would have been XX/XX/XXXX I wrote the check and it was dated XX/XX/XXXX. It cleared my bank on XX/XX/XXXX. It has been 2 years and they will not acknowledge my payment. I have sent them copies of the returned check, when I call and the representatives look in my file they can see the check and they can not understand why it's not reflected on my account. the PR people have told me to 1 ) send in your bank statement showing where it cleared the bank. 2 ) call the dispute line and speak with them. I have called the dispute line, but mostly I will only email as I want a written trail to all of this. They never ever answer an email and the only thing they are trained to say on the phone is they have my dispute documented and they will contact me once they have investigated. I have sent them a clip of my bank statement showing where the check cleared, and I have sent them front and back copies of the canceled check. They never acknowledge my payment. I am over this. I am not sure what their goal is at this point because until they credit my account with the payment made there is no way to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage on XXXX, XXXX and XXXX XX/XX/XXXX refused to accept my regular monthly mortgage payment due for XX/XX/XXXX. My mortgage forbearance ended XXXX XX/XX/XXXX. Numerous times on XXXX XX/XX/XXXX on my recorded line XXXX different PHH Mortgage representatives insisted I must pay the differed mortgage forbearance amount in full before they will accept my XX/XX/XXXX regular monthly mortgage payment. PHH Mortgage representatives would not provide any other options except payment in full of the differed forbearance amount right now. PHH Mortgage already approved my mortgage forbearance amount to be paid at the end of the mortgage. PHH Mortgage representatives many times during the active XXXX minute recorded phone call on XXXX XX/XX/XXXX, adamantly denied my right not to be required to pay the differed forbearance amount all at once before accepting my XX/XX/XXXX mortgage payment, I believe they were reading from a unlawful rehearsed script. They made an offer for them to call me back in a few weeks, I refused and demanded they accept my XX/XX/XXXX right now. At the end of the call I was informed they would call be back within XXXX hours. If they do this to me they do it to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Ca XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX XXXX XXXX XXXX Owed : {$7400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$450.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : - XXXX XXXX  XXXX Balance Owed : - XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX Balance Owed : - XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX Balance Owed : {$4100.00}.

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 non-monetary relief