BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-18
Company: The J. G. Wentworth Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a mortgage with J.G. Wentworth. I wont get int the numerous issues I had getting them to provide timely information, but on the day of signing, they provided me documentation with incorrect amount listed to go into escrow. The amount listed was short {$300.00}. They drew up new documents and I signed them one week later. 

Three weeks later, I receive my statement for my first payment. I reviewed the numbers and the amounts are broken out accurately on statement. I send them the payment the next day. 

The following day I receive notice that my account has been sold to XXXX XXXX. I called J.G. Wentworth and they assured me the payment sent to them would be forwarded to XXXX. It was. However, the information sent to XXXX did not include the updated escrow amounts and thus, just over {$300.00} was not included in the escrow payment, but rather applied to the principal. That is twice that J.G. Wentworth has mad errors in regards to my mortgage that if I had not found could have left me in serious financial trouble down the road. This is simply unacceptable. 

Please note, I have contacted XXXX and have straitened this issue out with them. XXXX was very helpful in resolving this issue. However, the next customer of J.G. Wentworth may not be so fortunate. 

One point of interest to me is that J.G. Wentworth & XXXX have the same mailing address for their loan payments. My guess is they are one and the same company, or at least subsidiaries or otherwise connected. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been a customer of BEST BUY for years. They issue a credit card from CITI BANK. On or about of XX/XX/XXXX. of last year I had an unsatisfactory experience with BEST BUY and refused to pay the credit card. I was unable to reach BEST BUY. I began receiving ROBOCALLS from CITI BANK these were a not a very clever violation of the law. They would call and let the phone ring once and hang up. The idea was that I would then call them. I spoke to them twice trying to convey my complaint. The only interest they had was when was going to pay. The calls occurred once a day for 30days, then began happening twice a day. I sent several letters to both of them with no response. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: AR
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:
I am writing to express my deep frustration and concern regarding the persistent late open accounts appearing on my credit report. Despite my repeated attempts to rectify this situation, the inaccurate information remains on my credit file, negatively impacting my creditworthiness. This situation is in violation of the Fair Credit Reporting Act, and I am seeking immediate resolution. 

To provide you with a comprehensive overview of the issue and the actions I have taken to address it : I discovered that there are late open accounts listed on my credit report that I believe to be inaccurately reported. 

I promptly filed a dispute with your agency on [ Date ] to challenge the accuracy of these late open accounts. I provided all necessary documentation and evidence to support my claim. 

After the initial dispute, I requested a reinvestigation on [ Date ] as I believed the late open accounts were not adequately addressed during the initial dispute process. 

I have made numerous attempts to follow up on the status of my dispute through letters, emails, and phone calls to your agency. Despite my persistent efforts, I have not received any resolution or a satisfactory response. 

The Fair Credit Reporting Act obliges credit reporting agencies to conduct a reasonable investigation of consumer disputes within 30 days of receiving the dispute. Unfortunately, this dispute has not been resolved within the required time frame, which constitutes a breach of my consumer rights. 

Initiate a thorough and prompt investigation into the late open accounts appearing on my credit report as mandated by law. 

Furnish me with a written response detailing the results of your investigation, including any corrective actions taken to rectify the inaccuracies. 

If it is determined that the late open accounts are indeed reported inaccurately, I insist on their swift removal from my credit report. 

Ensure that your agency complies with all pertinent laws and regulations, including the Fair Credit Reporting Act. I am asking for your immediate assistance to correct the accounts : XXXX XXXX XXXXXXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX : {$49000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-12
Company: First Advantage LNS Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I used to live at the XXXX XXXX XXXX in XXXX, FL. I was laid off from my position and on unemployment. I tried to work out a payment arrangement with the property management team. 

However, this was not possible I even tried submitted a payment for the rent for the month of XX/XX/XXXX but since it was late and eviction had began it was given back in XX/XX/XXXX and I left the property. I never received an itemized bill of debt remaining all I was told was I owed the balance of rent which then was XXXX because they kept my security deposit which was greater than the balance of rent. Later I learn there were two filings on my credit reports one from Residential Data LLC and one from National Credit Audit. both claiming I owe them {$3600.00} for the same property. I found out these are the same company. XXXX XXXX has been assisting me to get this off of my credit. National Credit Audit was removed from XXXX  and so was Residential Data LLC. 

When looking up First Advantage NCAC # XXXX or National Credit Audit is states it is a creditor I didn't borrow money from them. I have no idea what the account number is this is what is on the credit report. I never received any paperwork outlining the balance due. Years ago I received a blue paper with an amount due of {$3600.00} I didn't even know what the bill was for and when I called they said you owe this money. 

In addition XXXX  removed the Residential Data LLC claim then National Credit Audit now known as First Advantage NCAC came on and every attempt to have it removed has failed. XXXX  keeps stating the company says the record is accurate. I was living in a hotel in XX/XX/XXXX not the XXXX XXXX XXXX. I have no idea how this company came to the amount they are asking for. In addition, XXXX  is not helping. Last year I tried to file but it was impossible to up load documents to the website. I just tried again. I found another discrepancy on my credit when disputing it with XXXX  I was confronted with the same information even when I pointed out it was wrong it didn't matter. I had to go to XXXX XXXX XXXX and show them the item and yes they apologized and it was removed. I can't got to this fake company because they just say " we are right '' without any proof. This is frustrating. 

Since XXXX I have worked hard I was able to rent with the same property owner from XX/XX/XXXX until XX/XX/XXXX often paying my rent before it was due. But that does not matter because this huge unjustified claim has been filed against me. In addition the date is wrong thus it will not simply fall off my credit in XXXX but XXXX on my credit unit XXXX of XXXX. I thought that if the information was wrong it had to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have filed multiple disputes. 
XXXX has retroactively removed positive payment history and changed it to negative. 

In XXXX they reported XX/XX/XXXX XXXX  late, after the account was XXXX XXXX  out in balance in XXXX XXXX. I disputed, and had an attorney send a demand for arbitration. After 30 days, they responded, stating bank error and correcting information. Now in XXXX, they are reporting a 30 day late payment in XX/XX/, while the account had been XXXX XXXX  out in XXXX and no payment was due in XXXX XXXX XXXX 

The company responds slowly, continues to make false changes to 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 2022-12-18
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I had an issue with American Express Serve and Bluebird closing my accounts, they agreed to sent me checks for the remaining balances of {$140.00}. Its been over 50 days and I still havent received the checks. They sent the checks to an old address even after I sent them two letters demanding payment with my new address in the top left hand corner. There customer service phone number is a joke and mailing to a XXXX XXXX is the only option to communicate with them. If this doesnt get resolved I will be filing a Federal Class Action Lawsuit on behalf of all Serve and Bluebird past and current customers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
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:
Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: CA
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'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. XXXX XXXX XXXX XXXX. Please remove this account ASAP.

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 2023-06-30
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-10-16
Company: SYNCHRONY FINANCIAL
State: FL
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:
In XXXX of this year I tried logging into my account to make a payment but I was not able to. The website said I had the incorrect credentials but I had never changed it. I called in and customer service told me I had made {$2500.00} on purchases, and I told them it was not me. I told them about the fraud on the account and they cancelled the card and sent a new card, but to the people committing fraud on another state. I called them again after 2 weeks and they had confirmed to have sent the card to Kansas, but I live in Florida. They cancelled the sent card and issued me a new one, which I received and registered online to make a payment. Another months goes by and again I can't log in to make a payment, so the same thing happened. They cancelled the card once again, and also once again they sent the new card to the people committing the crime in Kansas. This month on XX/XX/XXXX, I receive notice that Mattress Firm reported my account as late payment to the credit bureau, and my credit score took a hit of almost XXXX XXXXXXXX  I called them again and they advised it will take 60 days for this to get investigated and resolved.

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 monetary relief
Consumer complaint received 2023-06-30
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.

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 2018-04-11
Company: Experian Information Solutions Inc.
State: AZ
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:
Dear XXXX XXXX : I apologize for contacting you but since I could not get my situation resolved through normal process. This is regarding an old checking account. I am requesting that this account be deleted from all 3 major credit bureaus ( Experian, XXXX, and XXXX ). The balance of {$160.00} was paid in full over a year ago. I realize that the account was overdrawn but I paid it like within a month. I also had similar thing happen with XXXX and they never reported anything to any credit bureaus. They only reported to XXXX. Same thing with XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX or any other bank checking account, they will only report an overdrawn checking account to XXXX and perhaps XXXX XXXX then once account is paid they mark as paid in full. XXXX is the only bank that will report an overdrawn checking account the 3 major credit bureaus and refuse to delete after debt is paid. I did some research and I can not find another bank that will report overdrawn checking account to the 3 major credit bureaus ( Experian, XXXX, and XXXX ). I am not satisfied with account being marked as paid in full. I also want it deleted completely from all 3 major credit bureaus. XXXX should follow the lead of other banks. XXXX is already getting a bad reputation in XXXX market and if you dont believe me then please read online reviews. I also want to make a complaint about the branch manager XXXX XXXX. She is very unprofessional and she is dishonest about bank practices. She was trying to convince me that because FCRA that is reason that account can not be deleted from the 3 credit bureaus but that is not true. XXXX can easily delete if choose too. Like I mentioned XXXX is only bank that will report an overdrawn checking account to 3 major credit bureaus and then refuse to delete even after its been paid. I am asking for your assist please in getting a small debt that has been paid in full deleted from credit bureaus ( Experian, XXXX, and XXXX  ). If XXXX continues to refuse then I will also be forced to file a complaint with Federal Trade Commission and I will also go to my local media. Perhaps XXXX needs to be brought to the publics eye so that consumers know that XXXX is practicing in unfair practices that no other bank does. XXXX also indicated they contacted me or attempted to reach me that is no true. 

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 2020-12-12
Company: GOLDMAN SACHS BANK USA
State: CA
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:
Goldman Sachs issued me an apple credit Card through an XXXX account I had separate on my XXXX. XXXX was stolen and i called right away to report it. Unable to retrieve it I endured unauthorized charges to which the company couldnt explain yet Im being billed continuously monthly for charges that are not listed on my bank statement or that they can explain. They told me they cant access the transactions and only I could do it through an XXXX  account I cant get into. This being said, they offered to mail me the itemized statement. I received an itemized statement with no charges shown but a total amount of {$430.00} to Be paid. They wont dispute or close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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