BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: AMERICAN EXPRESS COMPANY
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: Public record information inaccurate

Complaint:
I applied for an American Express XXXX XXXX XXXX XXXX for my very small business. I received a denial after providing them my bank information. They claimed 1. That I had a recent returned returned check.

2. I do not pay my credit card balances. 

I contacted American Express and I was told to reach out to XXXX where they get their information. XXXX stated and confirmed I do pay my credit cards on time and I am not late. I have XXXX consumer cards with American Express and I have never defaulted or made a late payment. I then asked XXXX who is writing bad checks in my name? American Express told me I had returned checks. They stated that they have no bad checks on my credit report. American Express wrongly denied me of a credit card based on inaccurate information. I need this to be resolved so they stop denying me of credit. I can only imagine who else this is happening to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15
Company: CURO Intermediate Holdings
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: Personal information incorrect

Complaint:
So in the process of fixing my credit and applying for a car loan, I noticed that on XX/XX/2018 my XXXX  credit bureau had lost points due to an unlicensed collection company ; XXXX XXXX XXXX XXXX for the state of Maryland was added. When I saw that I immediately checked ( XXXX XXXX XXXX   ) to see if they were bonded in my state. The amount is for {$570.00}. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Transform Credit Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reviewed my credit reports and saw this account showing i owed them {$200.00} for a loan I didn't take out in XX/XX/2021. It showed payments of {$5.00} was made in store in Michigan, I live in California and I never opened an account with them. I disputed the information with all three credit agencie, XXXX and XXXX took them off my report, XXXX did not. I need for the company to be taken off my report. This is not my account, someone used my information to take out a loan in Michigan, please help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Credit Service Company, INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report on XXXX XXXX XXXX and it showed I had a new collection on there from credit services in XXXX XXXX. 

I contacted credit services in stated to them that I have never received any communication regarding the Debt. They said that because they are not able to legally collect in XXXX  that they sent the information to my old address in XXXX  and it was returned. I had just paid off 5 other accounts with them and they had my updated address on file and new that I did not live at the address they sent the letter to. 


They are using a loophole to try to collect a debt in a state that they are not authorized to do so. 

This company needs to be looked into for several other violations as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My checking account with XXXX XXXX XXXX was frozen on XX/XX/2022. When I spoke to representative for XXXX XXXX XXXXXXXX I was given very little information as to why my account was frozen. After being transferred several times I was finally advised to contact Blitt and Gaines P.C. when I spoke to the debt collector they informed me that I had a debt of {$4500.00} for a credit card that I did not approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-10-23
Company: Ocwen Financial Corporation
State: MS
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: Investigation took more than 30 days

Complaint:
I am writing to urgently address the enduring inaccuracies on my credit report due to erroneous reporting by PHH Mortgage. My reports show 120 days late, which is false. it was in Forbearance. 
Despite two prior letters sent on XX/XX/2023 and XX/XX/XXXX with substantial evidence ( that I can't put here given SSN #, etc. ) to debunk the incorrect information, there has been no response or corrective action from their end. Now, over 75 days have passed with no resolution, displaying a clear negligence on part of PHH Mortgage. I have also filed with the bureaus and they all use the online auto info sent by PHH instead of a human being reviewing. 

The negligence and incorrect reporting by PHH Mortgage have had a detrimental impact on my financial standing. Specifically, My refinance was cancelled and now the rate increase will cost me over {$43000.00}, XXXX reduced my credit line by 90 % due to the incorrect information reported by PHH.

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 2021-03-03
Company: WALL STREET MORTGAGE BANKERS
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to refinance the mortgage on my primary residence with Wall Street Mortgage Bankers Ltd in XXXX, 2019. The loan would be a 30-year term with a fixed rate of 3.0 % for {>= $1,000,000}. From the time I started the process with this firm, I have consistently responded to every request for information they sent ( employment verification, tax returns, bank statements, loan application, etc. ) typically within just a few hours of when the request was made. The broker who initiated the loan process left the company during the application process. When that happened, they did not inform me about his departure and the loan underwriting process completely stopped. Only after I emailed and called the company numerous times did they assign a new person to manage my application. I resumed the process and roughly 3 weeks ago they told me that my loan is at the final stage of underwriting and I should be approved and given a closing date within a few days. Since that time, I have emailed them numerous times and they simply don't respond to any of my inquiries about the status of the loan. I don't know the reason why, but it seems to me that they no longer have the ability or desire to complete this loan. I don't know if they are a legitimate lender or if they are simply in the business of collecting loan application fees, charging for appraisals, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made an overpayment on my credit card on XX/XX/XXXX. Amount was supposed to be {$5.00} but was {$5300.00}. Not sure if it was my error or my banks or the credit card company. The next day I called Synchrony ( Verizon branded card ) and asked them to reverse the payment. They refused and said the only way they could do it was to mail me a check in 7-14 days. On XX/XX/XXXX I called them again and they had done nothing but again said they would mail a check. It is XX/XX/XXXX and nothing shows up online yet. Aside from the fact that it is more than 3 weeks that they are keeping my $ and who knows how much longer, it is not even logical that they cant reverse the payment digitally- the way they received it. They should not be allowed to keep my money that long and should be required to return money in the manner they received it. 
I would be happy to provide more info if needed.

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 2023-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, I am contacting you on behalf of inaccurate information being reported on my credit report. In accordance with the fair credit reporting act Capital One creditor has violated my rights. Under 15USC 1681, Section 602, states I have the right to privacy. 15USC 1681, section 604A Section 2, also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666 B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Capital one has reported that I had a late payment of {$40.00} XX/XX/2023. The payment was not late 30 days. I have an excellent track record. I am requesting that this late payment be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Applied a venture card on XX/XX/XXXX, got the card on XX/XX/XXXX. Didn't activated the card until XXXX. I never used the card, but was charge {$95.00} annual fee. I called them to close the credit card, but was told it's already more than 3 month, so they have to charge my annual fee, no matter I used the card or not. And the 3 month starts from the day I applied the card, not the day I activated the card. 
It is very unfair to customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-15
Company: EQUIFAX, 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:
CFPB SENT A COMPLAINT TO EQUIFAX ABOUT MY CREDIT REPORT AND ASKED THEM TO REMOVE AN ACCOUNT ON MY REPORT. 
EQUIFAX DID AN INVESTIGATION AND REMOVED THE ACCOUNT BECAUSE IT WAS LINKED TO A FRAUDULENT ADDRESS LISTED ON MY REPORT. 
EQUIFAX REMOVED THE ACCOUNT AND ADDED IT BACK A COUPLE OF WEEKS LATER WHICH IS ILLEGAL TO REMOVE AN ACCOUNT THEN ADD IT BACKI FEEL THEY DID THIS CAUSE I HHAVE BEEN REQUESTING INVESTIGATIONS INTO THESE FRAUD ACCOUNTS. 
PLEASE REMOVE THE FRAUD ACCOUNTS ASAP OR I WILL BE FORCED TO FILE A LAWSUITE AGAINST EQUIFAX. I CAN PROVE THAT THEY REMOVED THE ACCOUNT THEN RENINSERTED IT BECAUSE OF SOME TYPE OF PERSONAL PROBLEM WITH MY DISPUTES OR IT COULD BE SOME KIND OF RACISM GOING ON AGAINST ME. I HAVE ATTACHED MY STATE ID, SS CARD, AND A SNAPSHOT OF THE ACCOUNT EQUIFAX ADDED BACK TO MY CREDIT REPORT AFTER THEY REMOVED IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
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: Was not notified of investigation status or results

Complaint:
I have several accounts that, I sent in dispute for, and the 3 credit reporting agencies are avoiding me and my letters, its been over 90 days, any they haven't responded to any or my letters about those negative accounts on my credit reports. 

I cant handle this situation anymore, could you please make them respond to the disputes and remove those items that they failed to challenge within 30 days, they also are not notating the accounts are being disputed in the comments section of each account. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2023-03-15
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I had a legitimate dispute with EXPERIAN and when I submitted my dispute they didn't not lawfully conduct the investigation require by The FCRA and are violating FCRA Section 623 ( a ) ( 1 ) ( A ), the " Creditor '' didn't submit anything to rebutt the Affidavits or the accusations of Identity theft or mis-identification, NO CONTRACT was submitted, absolutely nothing from the " Creditor '' but EXPERIAN is still reporting this a Valid. The employee of EXPERIAN failed to properly identify herself and said that EXPERIAN does not have to obey the law when reporting on a persons Credit, the only identifying information for the EXPERIAN Rep. is " XXXXXXXX '' on " XXXX XXXXXXXX '' she would not reveal her desk number or any other identification information to verify who she was.

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 2017-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 status incorrect

Complaint:
I have a loan through a financial institution that is set up on auto payment and comes out before the due date every month but on my credit report they show that I have been 30 days late on this account 4 times. I have tried disputing this with the bank in question as well as the three reporting credit bureaus but nothing has changed.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Trans Union, XXXX, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer 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 2023-03-15
Company: Experian Information Solutions 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:
There are shady credit card company by the name of XXXX XXXX my credit report that shouldn't be there there are addresses that I have never resided there but there on my report. There are a list of double inquires from the same company and also there are a long list of old inquiries that do not belong there. They have been added due a breach class action in which I was a part of. This has caused me miss several business deals and loan approvals.

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 2017-10-18
Company: Midwest Recovery Systems
State: IA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received calls from Midwest Recovery stating that there were two debts accounts they were collecting. 

Issue One : The representative asked if I was XXXX XXXX. I said yes. He then rattled off the last four of my SSN, my address and email address ( which I did n't think they could do as I should have had to provide to them ). The rep said the call was being recorded so they should have proof of that. 

Issue Two : I asked who the debtors are and they said XXXX XXXX and XXXX XXXX. I have never heard of these and said so. They said they were probably payday loans. I did have an outstanding debt from ONE payday loan which I paid. These debts are on my credit report. XXXX XXXX XXXX could not tell me the name of the payday loan services for either debt. The 'proof ' the sent me has the debtors name and an account number. How is debt that was paid once now be back Twice? Rep could not answer but offered a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-07-18
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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