BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-01
Company: CITIBANK, N.A.
State: TX
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 INVEST Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  Dispute this Address Date of inquiry P.O BOX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry P.O BOX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX DEPT. 
Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX DEPT. 
Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX CREDIT TECHNOLOGY Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX CREDIT TECHNOLOGY Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry P.O BOX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX - CARD SERVICE Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 explanation
Consumer complaint received 2021-04-01
Company: Experian Information Solutions 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 information incorrect

Complaint:
There are multiple accounts that are inaccurate. I have asked many times for these accounts to be verified and Experian reports back every time that they have been verified. 
I feel that Experian is not verifying these accounts and I will show proof that they are not verified and want each account DELETED immediately!! 

1 ) XXXX XXXX - inaccurate Balance and monthly payment as of date listed ( XXXX ) Balance {$1300.00} Balance Updated XX/XX/XXXX Recent Payment $ 100 Monthly Payment {$0.00} 2 ) XXXX XXXX XXXX XXXXinaccurate payment history consecutive 60 days, 30 days and 120 days late. 
Payment Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Inaccurate payment history multiple XXXX late dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment History Multiple 120 late dates XXXX XXXX XXXX ) XXXX XXXX XXXX original loan amount and no original date. This item is over 7 years old from first default. 

Payment Info Original loan amount - Balance- {$1200.00} Status dateXXXX 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 2020-06-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo bank, Under their Terms and conditions Refuses to investigate Lost payments with their online banking guarantee and reimburse the same with proper customer notification. 

Wells Fargo Banking Refuses to investigate their Debit Cards for unknown debits on accounts nor in good faith make the necessary corrections in a timely manner. Refusing to give accredited accurate information and becomes confrontational when an inquires is made. 

Within a thirty day period I will have been Issued 3 new debit Cards because Of suspected Internal breach of their Customer Based System, Each time interfering with the processing or keeping my account Up to date an accurate. Causing A great Deal of hardship between XX/XX/2020 and XX/XX/2020

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 2019-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAP ONE AUTO with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX, XXXX - XXXX, XXXX - XX/XX/XXXX / XXXX, XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I contacted XXXX XXXX in XXXX and XXXX regarding fraudulent activity on my checking account. XXXX XXXX closed account in XXXX after having years of excellent payment history. In addition, I made an arrangement to pay account after not receiving any correspondence regarding who was handling my account. So, I contacted them their internal collection department and established a weekly payment plan of {$100.00} beginning XX/XX/XXXX via phone. In XX/XX/XXXX, I received a call from an outside collection agency handling my XXXX  account stating that my account has been turned over to XXXX XXXX along with confirming this information was correct with XXXX XXXX. My concern at this time is XXXX XXXX transferring the account to collections and closing my card after me letting them know what's going on with fraudulent activity on my checking account. In addition, XXXX XXXX continue to charge my checking account with {$100.00} a week and every representative is denying that the payment exists and refuse to cancel my payment or remove XXXX XXXX off my account as a card holder.

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 2019-01-28
Company: Conn's, 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: Account information incorrect

Complaint:
I am disputing the Conn 's tradeline for two of my accounts. This company has re-aged this account according to the correct DOFD from the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I went to a first time home buyer class with a friend and come to find out I did not qualify because of my credit. When I sat with the loan officer she begin to tell me what I need to work on. Well the things she identified is not mine and I dont know how they even got on my report. I have contacted the FTC and my police department. I'm doing this on my own behalf. Please have these accounts taken off my credit so I can buy a home for my family.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 explanation
Consumer complaint received 2019-01-28
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: Information belongs to someone else

Complaint:
I went to a first time home buyer class with a friend and come to find out I did not qualify because of my credit. When I sat with the loan officer she begin to tell me what I need to work on. Well the things she identified is not mine and I dont know how they even got on my report. I have contacted the FTC and my police department. I'm doing this on my own behalf. Please have these accounts taken off my credit so I can buy a home for my family.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 2020-06-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Hi my name is XXXX XXXX, i buy a car on XX/XX/2019 my car cost was XXXX XXXX, my monthly payments to TD bank auto finance is XXXX, about XXXX XXXX at XXXX XXXX i loss my car, a lot off people loss their cars there i have video and picture about that, the insurance company ( XXXX ) say my car in 2 year are depreciated to XXXX, but the pay off is XXXX, The bank say it my responsibility pay my debit or difference like XXXX thas not correct, The insurance company wants clean her own hands and send me a XXXX dollar, they send my a document where they tell me i will receive a check and it my responsibility convey with the bank the difference, what is a mean, i think thats is unfair, pay for something i loss, was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Four years now XXXX  has failed to report accurate payment information from the Department of Child support services. I realize they are not involved in the case and could take into account XXXX credits but these accounts closed it paid off in addition they have been closed by the mother more than a year and a half ago. I have paid the entire balance and continue to pay three times the allotted amount of child support to the mother, I have been the current custodial parent since XX/XX/2013 And XXXX negligence has For the past five years caused us as a family the worst amount of emotional distress you could ever imagine and its now odviously intentional. Theyre reporting does not match up with other bureaus is far off and makes me look like one of the largest their lips thats preventing me from getting the job to provide for my current XXXX XXXX, the XXXX XXXX XXXX and the XXXX XXXX I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-06-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Company : Experian 1. Experian had an error on my credit report, which they acknowledged was wrong and said they cleared it off. This is OK. 
2. Afterwards Experian kept sending me multiple requests for " credit repair '' and " boost your FICO score '' emails even though I never asked for this. This is not good, I challenged my credit report to get it fixed, not to get a flood of marketing emails. 
3. Experian 's ongoing annoying marketing promotion emails have no UNSUBSCRIBE link at bottom. I am glad to forward those.

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 2019-01-28
Company: ID Analytics, 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: Investigation took more than 30 days

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have not sent my any verification of those items in the last 30 days. I sent my request off to you on XX/XX/XXXX, XXXX you received it on XX/XX/XXXX. Your response was dated XX/XX/XXXX in which you stated you would conducted a reinvestigation of the items in dispute and send your results within 30 days from the time you recieved my dispute letter, which was XX/XX/XXXX per the certified letter. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately I want all the items that were listed in my letter deleted ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) from my credit report and all hard inquiries except for XX/XX/XXXX, deleted from my report. Also have them deleted from the three Major Credit Bureaus ( XXXX, XXXX and XXXX XXXX. This is my last attempt to solve this amicably. You will be served with litigation paperwork if this continues. Please comply with the law so we can avoid the court system.

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 2019-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My name is XXXX XXXX, social is XXXX and I don't know the account number to the XXXX Bank of America card that I was supposed to receive because I've never received it yet it states on my claim that I've been paid a few times since then month of XX/XX/XXXX XX/XX/XXXX three payments show on the roster of activity I don't know where these payments have been made because I don't have a card that I received therefore I don't think I have an account please send me a card with the funds that were pending and or an answer to this question that I am asking where are the funds that I was paid according to the XXXX statement thank you my phone number is XXXX XXXX XXXX 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 2020-06-25
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
On XX/XX/XXXX my purse and wallet was stolen. In my purse was a prepaid American Express debit card with {$1200.00} stimulus check on it. Whoever stole my purse spent the entire {$1200.00} without my permission. 

I immediately filed a police report and contacted American Express to let them know what happened. They looked into my claim but said that since the charges went through they can't refund my money. Can you help me get my money back? Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: EQUIFAX, 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 a loan with XXXX XXXX and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and Equifax with no successful resolution. XXXX, Equifax and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is related to loan modification in XX/XX/XXXX with XXXX XXXX. Due to severe hardships at that time facing foreclosure on my family primary residence, the delinquent interest {$51000.00} on the loan was negotiated and settled with the payment of {$13000.00} as full and final amount. Then a note agreement was issued by XXXX XXXX in XX/XX/XXXX detailing the new payment schedule along with the actual loan amount. There was no mention of {$51000.00} in that note agreement as it was settled with the payment of {$13000.00}. 

Please refer to attachments for proof of payment, XXXX XXXX note agreement and communication with the service provider. 

After this arrangement, the mortgage account was serviced by XXXX  XXXX from XX/XX/XXXX - XX/XX/XXXX and subsequently Select Portfolio Servicing ( SPS ) Inc. is servicing the account from XX/XX/XXXX until now. Both service providers started showing the {$51000.00} as outstanding and added the amount to loan balance which is incorrect. Neither have accounted for the {$13000.00} collected by the predecessor service provider XXXX XXXX. 

Despite my communication to both of them in writing with evidences of payments and the note agreement drawn in XX/XX/XXXX, the matter is unresolved. I want them to remove this figure XXXX pertaining to XXXX interest as it was settled with the payment of {$13000.00} per agreement between me and XXXX XXXX in XX/XX/XXXX. 

The responsible party to this dispute is Select Portfolio Servicing Inc. as XXXX XXXX is no longer handling the mortgage account. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Experian Information Solutions Inc.
State: WA
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 is a collection on my credit report that Just recently appeared and it shouldnt be there. My daughter is getting phone calls from the debt collector threatening that they are coming to my house to arrest me. 

I disputed the charges on my Experian Credit Report. I have lived in Washington state for the past 15. - 20 years and this debt is for a home alarm service in a completely different state. Supposedly someone by the name of XXXX signed a contract with me but I have never seen the contract. I was never made aware of this debt until I saw it on my credit report. 
I dont feel that Experian did anything to verify the validity of this debt when I submitted a dispute to them online. Experian replied to say that the company said it is true so it is. The fact is that the debt does. It belong to me and I want it removed 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 non-monetary relief
Consumer complaint received 2019-01-28
Company: EQUIFAX, INC.
State: NV
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:
Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There is only 1 account reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
The credit union, XXXX XXXX did not process my automatic payments properly due to their system having been changed several times. My payment history does not show ever being more than 30 days late on any account on my credit report. It is extremely burdensome for me to prove that the credit union made the mistakes of not applying the payments properly.

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