BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
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:
I have waited 30 days to see changes to my credit report, and there were none. I sent information to XXXX and Equifax regarding the reporting of the bankruptcy that is showing on my credit report and both XXXX and Equifax stated that they verified the account by sending me correspondence that it was accurate based on what was reported from the bankruptcy court. I received correspondence from the courts as well stating that they do not provide information to any of the bureaus regarding validation so that means XXXX and Equifax lied. 

Federal : Account number : XXXX, The filing date is incorrect and also reporting another Account Number : XXXX which is incorrect, inaccurate, and unfair reporting. 

This is really stopping me from rebuilding credit. How can I rebuild credit if these inaccurate accounts keep reporting negatively? Can you answer that for me? How is that possible to verify these accounts as accurate when XXXX did the same investigation and the bankruptcy was deleted? Can you tell me what data you are using to verify this information because the other two credit bureaus are reaching out to the same court to investigate the above accounts? Im planning to file complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state, as well as the Consumer Financial Protection Bureaus because you have failed to fix the problem. Please re-investigate the accounts indicated above as I have provided you with new information. Im not complaining, I just need this inaccurate item fixed. Im ready to file more complaints with other agencies if this matter is not fixed. 

Please send me an updated copy of my report and notification that items have been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
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:
There was a glitch in the banking system showing DIFFERENT DATES AND MONEY OWED AND extra charges and fees that were added and a mistake with an employee who was notified to take a payment out directly on the XXXX and failed to do so which caused me to go over 30 days late pluse extra charges and fees and it was added to my credit report as a 30 day late and I can't get it off. Beyond angry and upset I can't get it off my record now I tried to dispute it through both bank and credit bureau with no luck. It's my only 30 day late in a XXXX loan with Wells Fargo XXXX I would like to get these fees reversed and have this XXXX 30 day late removed from my credit report. REGARDING MY CAR LOAN WITH WELLS FARGO CAUSED BYE HUMAN AND SYSTEM ERROR. THAT HAS COST ME EXTRA MONEY IN FEES AND CHARGES AND HAS BEEN EFFECTING ME AND MY CREDIT EVER SINCE. THIS IS UNJUST AND FRAUDULENT.

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 2021-10-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax is reporting a medical bill for {$57.00} Account XXXX XXXX with no Collection or Original Creditor Name with no address or phone number as to where to call about the collection charge. I can not confirm or deny this charge without contacting the company who is reporting it and therefore this Inaccuracy should be removed or updated correctly asap with the Complete Collection Company Account information. Equifax is the only one reporting this and it is hurting my credit rating. I have submitted two letters requesting validation and proof of method of verification to Equifax on this account on XX/XX/2021 and XX/XX/2021. I have attached the letters for your reference. I have also included a copy of my credit report that shows the collection listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am being abused by American Express and this is no lie. On Saturday XX/XX/2020 I received a text message at XXXX XXXX  from American Express. I called them back. Three different times, American Express tells me I am 60-days pass due for an amount of {$130.00}. My due date was XX/XX/2020 and I submitted a payment that was I short of {$170.00}. That was my error for selecting the wrong charges to pay over time and both American Express and I were aware of it and we had a long phone conversation about it. I was upset about the late fees so the rep was kind enough to back those out. Then out of nowhere, the XXXX storm begins. American Express tells me I am 60 days pass due for an adjusted amount of {$130.00}. I was strong armed into paying {$130.00} even though I had until XX/XX/2020 to pay the shortage. I pay the pass due amount on Saturday XX/XX/2020 and received a confirmation email. Then on Sunday, out of the blue, I get another XXXX storm of emails from American Express. My American Express card was suspended in XXXX XXXX. A second email from American Express wanted to " thank me '' for my recent commitment to make payment ( s ) on my account, i.e., a Payment Commitment Confirmation with a " Pay Bill Now '' link to pay {$130.00} and to also thank me for my card membership. I get a third email from American Express to inform me that my American Express Card was reactivated in XXXX XXXX. Then, I fourth email from American Express informing me that I have a payment due by XX/XX/2020 that includes an additional {$130.00} on top of the minimum payment due by XX/XX/XXXX. So, as American Express pointed out to me, that I had a good payment history but in light of recent events ( presumably late payments ), that is the reason why I am now treated this way. I have not checked my credit reports yet. The reps I spoke with at American Express tells me " not to worry '' but I suspect, American Express may have already submitted negative reports to the three major credit bureaus. This is my 2nd complaint Since XX/XX/2020 about the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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 have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: OneMain Finance Corporation
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: Account information incorrect

Complaint:
1. I visited A XXXX bank for financial advice, and was given advice to closed a secured banking account without and safe briefings causing delinquency. Phone agents and other branches simply gave an apology and no help. 
2. I have the suspicion that beaureus have different names. Causing Old or already taken care of accounts in different places, furthering my history and delinquency. 
My legal name XXXX XXXX XXXX And some accept hyphens and Im guessing some ignored it 3.my biggest loans contributing to not receiving help is a business loan ( One main Financial ) who was well aware I wanted a business loan and processed it as a personal one just to get it cleared Some bureaus flame I have no employee background even after trying to submit it Ive spoken to any and all accounts and branches and Im not being helped. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The credit reporting bureaus, all 3, are in accurately reporting on credit checks when I was purchasing my house in XXXX, last year, between the months of XXXX through XXXX. 

I had a pre-qualifying checks pulled in XXXX, XXXX, XXXX and again in XXXX. The credit agencys are reporting these individually which is affecting my score. 

Multiple inquiries from different lenders are typically counted as only a single inquiry as long as theyre made within the same 14 to 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2021-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I apply for an unsecured credit card in XXXX. I was told to send a deposit for {$200.00} and I sent it, and in XXXX they sent me a credit card. They ask for Documentation as proof of resident so I sent a copy of my Driver 's License and a bank statement that is what they ask for. Then they said they need to do a third-party call to my bank. And they would not activate my card because my Bank does not do the third party. So they stated that I should close the account and they would send me my deposit. I did this to build my credit. This has been horrible and now it's XXXX and I still don't have my deposit. I wrote to the corporate office and no one respond to my letter. This bank is horrible. I am sure I am not the only one that has gone through this. Please help me, no one should ever have to go through this. They sent me statements for a card I can not use. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: STERLING JEWELERS, INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX XXXX Balance : {$130000.00} XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I was never late 30 days on this account and I have tried to resolve this with capital one and to come to resolution but never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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 belongs to someone else

Complaint:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , IL XXXX ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$580.00} ; XXXX  XX/XX/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 2021-10-19
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife and I moved into XXXX XXXX XXXX apartments in XX/XX/XXXX, and paid a security deposit of {$1000.00}, as well as other deposits and fees. The managing company switched three times in 3 years, and when we moved out in XX/XX/XXXX, we were sent a bill totalling {$1000.00}, due to them not having our security deposit on file. The day after sending the bill via certified mail, I received a call from NCC Business services to collect said bill, which was movefd to collections in less than 24 hours. I have been actively trying to discharge the collections for 3 years with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
sent ftc violations previously on these accounts The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices XXXX XXXX  XXXX   Unauthorized charges successful iconSubmitted XXXX XXXX/XXXX Unauthorized charges

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 2023-01-02
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Beginning in XX/XX/2020, I began receiving multiple calls from various numbers in and around the XXXX / XXXX XXXX area. I am cautious of answering calls from numbers I do not recognize because of scams. In addition, most of the calls were coming at times when I am at work. I can not have my phone on me while at work, and so I would see it after I got to my vehicle each day. Tonight, I received a call at XXXX. Upon answering it, they asked for a person and I told them they had the wrong number and to stop calling my phone. The person then said all I had to do was answer the phone and they would have stopped calling, very rudely. After multiple call backs in which I was hung up on, once including when I asked for the company 's name, I finally found out that the company is XXXX XXXX XXXX, a debt collector. I have dealt with them at least once a year for the past 5 years. People continue to put my phone number on accounts. Despite asking that they remove my number from their databases, or associate it to the proper person, it continues to happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Original creditor is Synchrony Bank. Opened on XX/XX/XXXX. In collections with XXXX XXXX XXXX. The amount is {$380.00}. I have been the victim of identity thief. I have received alerts of my information being on the dark web. Fraudulent accounts have continued to be opened in my name using my information. I attempted to gain more information about this fraudulent account through XXXX. No additional information could be provided. I disputed this collection with XXXX. I have locked my credit to prevent more fraudulent accounts from being opened using my personal information. I did not open this account, nor did I authorize its use. I currently have two Synchrony Accounts that I did open. One was opened in XXXX and the second was opened XXXX. I am in good standings with those accounts.

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 2023-07-27
Company: U.S. BANCORP
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, I requested Elan Financial Services ( in XXXX ) to adjust the XXXX billing cycle and due date to reflect the XXXX instead of the XXXX. 

XX/XX/XXXX- I called to have the monthly due date changed from the XXXX to the XXXX. CSA at Elan said we can do the XXXX. XXXX late fee was reversed. 

XX/XX/XXXX- I paid minimum due of {$290.00} and saw late fee applied as due date still the XXXX. CSA at Elan said to call back in a few days if late fee not reversed. 

XX/XX/XXXX- I noted late fee not reversed. CSA at Elan said there's nothing they can do. 


Regards, 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 monetary relief
Consumer complaint received 2021-10-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Attn : Mortgage Loan # ... XXXX ( Guaranteed rate ) Transferred to # ... XXXX ( Chase ) Company : Guaranteed Rate/Chase I have the above-mentioned mortgage with Guaranteed rate XXXX  that was transferred over to Chase. There is an outstanding escrow payment that they are asking me to pay. 

I had purchased a house in XX/XX/XXXX  and got an Insurance from XXXX and paid the entire year amount due in escrow to Guaranteed Rate When the Payment was due and XXXX asked their escrow department, Guaranteed rate had missed sending the amount despite multiple warnings from me and the Insurance. They had mentioned that they have sent the insurance payment and I don't have to worry about it. 

Payment was sent late and the Insurance company cancelled my policy retrospectively and sent me the payment.

Guaranteed rate had then placed a Lender placed insurance at an high price on my behalf and sent me the bill. I had refuted this and they said they will review it and fix it. 

In the mean time they had transferred my loan to Chase and Chase asked me for the amount for the Lender Placed Insurance ( LPI ) When I conferenced with them with Chase they had mentioned they will cover it ( See secure message from chase as a result of the conference attached ). 

Guaranteed rate said that it was paid for by Guaranteed rate but Chase has to straighten its record. 

Chase dispute resolution had reached out to them and are notifying me that I owe the amount as they are unable to resolve this with Guaranteed rate. 

I have provided all evidence both to Guaranteed rate and Chase for the same. 

It is unfair to have me pay for a lapse that was caused by Lender despite me having paid the amount for a full year. Putting consumers like me who pay the dues on time despite the pandemic and Penalizing us for a mistake they had performed is unacceptable and the Mortgage companies should be made to take accountability. 

Please call me at XXXX XXXX XXXX should you need more information. I can provide all information and evidence for the above. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation