BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-20
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Directexpress debit card
 
Within two months I've had to file a claim with this company for fraudulent transactions. Both claim filings we're delayed due to the fact you can't get though the company through phone because it's gives a message that the call volume is high and then it hangs up on you.  When I did get through to them which for both took anywhere between 3 to 30 days of calling constantly to get a live representative which is the only way to file a claim. The first claim was filed in XX/XX/2019, which I tried to settle the matter with the company first. The claim was made due to the fact that the company processed a payment without my permission. I never signed up for recurring payments and when I used the card before to make a payment with them it was one time payments only. I'll was told by direct express that my claim was denied on the10 day due to conflicting information. The second claim was filed on XX/XX/XXXX because my card was stolen by someone that I had to know because they stole my card and took everything off. When I did get through to make a complaint I was told that making a police report wasn't necessary but would be a help. I filed then claim and sent all requested paperwork in. On the 10 day they told me it was denied due to conflicting information. The second claim and same results. I tried to file an appeal on the second claim and was told I can't file an appeal and received no detailed claims on the the claims results after requesting. Direct express makes no efforts in investigating claims. It's very hard to get through on their phone lines and when you do get through they transfer you 5 or 6 tomes to departments that don't know what they are doing. Even after filing a police report for the second claim they told me that they couldn't reopen the claim and the police would have to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Block, Inc.
State: PA
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:
There is two separate yet similar issues I am having with a company. On XX/XX/ I finally received a email along with a " temporary credit '' regarding one of the disputes I had filed on XX/XX/. After waiting over the 45 days and I'm still waiting for the resolution I receive what they are calling a temporary credit however it states in the email that if the investigation takes more than 45 days the temporary credit becomes permanent even though the dates clearly show in the email it's long beyond the time allowed therefore this should have automatically been a permanent credit. Also I received a separate email stating that a transaction that I didn't even dispute was denied due to the merchant already refunded the money. I responded with that not being a transaction I disputed I received a generalized email that had the case number for reference that was for the disputed XXXX transaction in the amount of XXXX not the one they were claiming. I don't know how that could even happen but I reached out to the customer service and like always got absolutely no where. It's now going on 60 days and I still haven't received or heard anything about the XXXX XXXX transaction in the amount of XXXX  that the case number was/is XXXX. According to the terms and conditions of the company a provisional credit is to be given on the 10th business day if it was going to take up to the 45 days for a resolution and if it's past the 45 days it's no longer a temporary credit it is to be permanent. I haven't received anything concerning this case mentioned above and I have called and chatted numerous times and told there was no updates I need to continue to wait. I have financial obligations that has been supposed to be paid but I haven't been able to because the money I had was fraudulently taken from my account and I haven't received no credit for the above mentioned case and its going on 60 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have tried numerous times to have the CRA remove erroneous and outdated information from my credit report. I have sent a copy of my license and proof of address and they continue to do nothing about correcting their 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 non-monetary relief
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX Balance : {$370.00}

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
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: AR
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 sent information to Experian 2 months ago without result in order to prove I am being victimized but have not been responded to and I ask for the enclosed items to be deleted at once. Thank you

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 2021-05-07
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 have disputed numerous items on my credit report as multiple times and nothing is being addressed. All they do is do an investigation and carry over the results of the previous investigation ( which are wrong ) and therefore that then makes any further investigation incorrect. Nothing has been actioned on the 3 certified mail letters that I have sent them, no evidence of the accounts in dispute has been sent to me despite requesting this numerous times. I have sent evidence of accounts that have been paid and should not be on my report XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX but every single thing gets ignored. I have 14-18 credit inquiries that I do not recognize but these are still on my report. Why is nothing being done? Why am I being ignored? Why are you not investigating the facts and actioning the hard copies of the information that you signed for via certified mail? Remove the items from my report as requested months and months ago.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I need this to be reviewed because it is not mine and it hurts my credit history I want it to be deleted 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 2023-12-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to address a concern regarding the accuracy of my credit report. After a careful review, I have identified late payments on my credit report that I believe to be inaccurate. I am requesting your assistance in either removing or correcting these late payment entries promptly. 

I understand the significance of maintaining an accurate credit history and its impact on my financial standing. I am committed to ensuring the correctness of the information reported on my credit file. 

WFHM XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WFHM customer service I kindly request a thorough investigation into this matter and ask for the removal or correction of the inaccurate late payment entries from my credit report. It is crucial to me that my credit history accurately reflects my financial responsibility.

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 2021-07-28
Company: Experian Information Solutions Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2023-12-14
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There are multiple claims/charges for the same DOS with different XXXX codes! My Medicaid insurance has a contracted rate with XXXX XXXX XXXX XXXX I paid my deductible in full as required. XXXX indicated that claims have been adjudicated but billing did not apply them correctly. This is resulting in a balance due. My XXXX XXXX  did not start until XXXX  and I provided this information in multiple occasions to XXXX to conduct " Coordination of Benefit ''

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Kingston Data & Credit International Inc.
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom this may concern, This is a formal complaint about the shady tactics of Kinston Data and Credit. XXXX XXXX XXXX XXXX # XXXX, XXXX, ON XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX is the lady I have been dealing with. There are two main complaints about this company that I would like to state and address : 1. ) I Requested a debt verification letter shortly after I was aware Kingston Data and credit was after this alleged debt. I have documentation that I had requested this on XXXX XXXX, 2021. It was accompanied with a cease and desist letter/ request. I did not actually receive any verification of debt until more than a year later. As well, I was continued to be harassed and contacted even after this legal right of mine was exercised. This is most likely a common practice by this company to ignore consumer rights and laws. I will attach the request I made, and I doubt they have evidence they have sent me any sort of documentation they provided me, especially in the given timeline. 

2. ) I was requested to pay a large amount of interest that was stated no where in the original contract with the original creditor. The only opportunity I was given to pay this debt would have been an erroneous incorrect amount. This should not be allowed where collection companys put whatever amount they wish and force consumers to pay it. This amount was never correct until she reported me to the credit bureaus. 

I will also attach documentation that I was asked to pay more then the legal amount with interest on this collections account. The original contract has never stated anything about interest. 

I have paid this account because I didnt know what else to do at this point. However I believe I have grounds to have this collections removed at the very least based, on the unethical practices of this Company. Thank you for your time, and I hope to hear back from you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed this account information as in accurate with you and you have come back to me and stated you were able to verify this debt. How is that possible under the laws of the FDCPAI have contacted the collection, agent myself and have been able to get them to verify that this is indeed, my debt.

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 2023-04-03
Company: Ocwen Financial Corporation
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:
I have an ongoing problem with our mortgage company XXXX ( XXXX XXXX which has been going on since XXXX. I had filed a XXXX XXXX in XXXX of XXXX which ended in XXXX XXXX. At the end of my XXXX XXXX XXXX / XXXX had merged and informed my attorney I needed to pay them another XXXX. Or my XXXX XXXX would not be closed. I had taken money from my tsp and paid the amount they stated I needed to pay to finalize my XXXX XXXX. 
Since my XXXX XXXXXXXX has ended they have reported to the credit reporting agencies that I have been late/ behind on my mortgage with them for the past 4 years. 
They had applied my monies to my escrow account instead of mtg. I have called them numerous times about this over these years trying to get this resolved with no success. I send my payment every month certified so I know when they receive my payment and they are not late. They have falsely reported this to the the credit agencies therefore affecting my credit. I have an ARM mtg which they have now moved up to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Lakeview Loan Servicing LLC subserviced by XXXX. As best I can tell they are the same company. I received a bill stating they have not received payment from me and they charged me a late fee and have reported a late payment from me. 

I pay them {$400.00} every 2 weeks and have never missed a payment. The Statement they sent shows they received the payments and that they credited them to my account, but they are not counting them as payments?!? 

The statement is also poorly written and does not add up to the proper amounts paid for principal mortgage and escrow. They include lump sum payments to the escrow and payments from the escrow all as debits in the Total column. It looks like this statement was intentionally written to confuse borrowers. 

I would like this late fee removed the payment history updated to show I have never been late. I would also like the format of the statements to be corrected so that it properly shows debits and credits and it more friendly to read. 

Looking at the volume of complaints against this company online, I think the CFPB needs to take more serious action against this predatory loan servicing company.

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 2021-05-02
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX has been inaccurately reporting me as 30 days late for the month of XXXX. A XXXX XXXX representative has also stated that they would submit the code to have my account reported as affected by a XXXX declared disaster for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but they have not done this either. I have tried resolving this with them multiple times and I have gone through the XXXX, and the credit bureaus. I have already submitted a complaint here through the CFPB but new information has surfaced. I received a response from them that admits I paid on time for XXXX, see attached, however they are still reporting me as 30 days late for XXXX and they have repeatedly refused to fix this.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2022-01-10
Company: BANCO POPULAR DE PUERTO RICO
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:
To whom it May concern : Serve this to claim a false report on my credit. I recently applied for a loan to a credit agency to acquire a property, to my surprise, the report shows some alleged miss payments. The agent who helps us with the application provided me with the report to be able to claim these allegations. These alleged non-payments are reported in XXXX which I do not recognize since I was making monthly payments. When the account is transferred to Banco Popular, continue with it making monthly payments until XX/XX/XXXX when it was closed. 

My acquisition of an account with Banco Popular of PR ( BPPR ) was through a change made by the banking institutions of Banco XXXX of XXXX XXXX and Banco Popular Puerto Rico. Once the institutions were joined, my XXXX bank credit account goes to the popular bank, for which BPPR assumes responsibility for it. 

The purpose of this claim is to remove these false allegations to my credit. I have tried to communicate in multiple ocations with agents of the Popular XXXX and they have not been able to help me with this diligence. I have contacted the different accrediting agencies ( XXXX XXXX ) which inform me that this request can only be made by the same bank that reported them, in this case BPPR.

Company response to consumer: Closed with explanation