BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: ID
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:
Credit Card company : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OF REPORTING : XX/XX/2020 Reported me deliquent 30  days for XX/XX/2020 due to an ongoing scheduled maintenance which unfortunately resulted in zero access to the account between dates of XX/XX/XXXX - XX/XX/2020. Which was 1. Not notified of such scheduled maintenance 2. Unable to access account through online portal or with customer service.

3. Payment was not recorded on XX/XX/2020 of {$1300.00}. 

4. Payment should have reported to credit bureaus on before XX/XX/2020 Please see attached screenshots of the results of the occurences. 

Please as a courtesy I ask the credit bureaus to make the update to the credit agencies to all 3 bureaus : EXPERIAN XXXX  AND XXXX So the dleiquency is removed from the reporting for XX/XX/2020 and shown as " CURRENT '' or " Pays as agrees ''. I have a letter directly from the creditor to have this information ammended directly. 

I appreciate that this be marked as urgent due to repercussions and impact this has had on my credit.

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 2018-09-07
Company: EQUIFAX, 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:
first the car dealership had added my name on to this loan without my permission only for my daughter to find out after filing chapter XXXX bankruptcy where the debt was reorganized and corrected to now reflect on her name on lt, and the company made a promise to correct this to not reflect on my name as the rightful owner made all of the required payments for the past year, well upon calling emailing and disputing this invalid debt is still showing up on my credit report when it should only be on my daughters report which she has called them and confirmed this on several occasions and was promised that the problem will be fixed and the reporting will be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. 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. My initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on 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 2018-09-07
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
To whom it may concern : I have been a loyal American Express card member for many years, and reach out to you in regards to the current XXXX offer to save 10 % up to {$100.00}. 

This offer was saved to many of my cards. 

I spent {$1000.00} on multiple cards, and received the {$100.00} statement credit on each card. 

I subsequently spent {$1000.00} on more of my cards and again received the {$100.00} statement credit for each card. 

There was a technical glitch with a few of my SPG cards, where the system didn't recognize the charges hence the credits didnt post. 

I called in to speak with the American Express online Technical Department, and was told by a representative that " all '' the cards were in fact eligible for the credit, and that he will manually credit me for all cards that didnt post the credit on their own. 

Attached is the email received on XX/XX/XXXX asserting the offer is limited to {$100.00} total per card member, and anything above that will be charged back. 

I have also attached images where it can be seen all the credit reversals on my account. 

If American Express considers each card a separate product membership as it pertains to annual fees, it must also consider each card as a separate entity eligible for the offer. 

In question. The fact that all the cards were initially credited, clearly indicated that American Express concurred with the above noted contention. 

They have clawed back thousands of dollars in credits leaving me with massive bills to pay that have never existed before. 

I trust you will do whats right on my behalf and bring this matter to an amicable resolution. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: ENOVA INTERNATIONAL, 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:
Obviously these people at net credit do not recognize the laws and have been very harassing to my wife 's email. I have reported the identity theft to fTC, XXXX XXXX XXXX and the police department and the said they did an internal investigation. I am a XXXX and a veteran. I have asked them to produce my signature because XXXX  sign for everything which they have yet to provide me with. Because of these guys I had to put a fraud alert on my account and have had to close other accounts. My wife is very upset about her business account being used. for these harassing calls. They even called her phone pretending to be IRS. There is another review that a person went through the same thing I am am going through.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: JPMORGAN CHASE & CO.
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:
Hello, I was an authorized user on a relative chase credit card and had asked to be permanently removed from my credit report which they agreed and also have that address removed from my report as I am no longer staying there. For some reason it is still showing up. Just looking to have this corrected and moved from all credit reporting company 's as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX, XXXX, after the XXXX  data breach I froze my credit at Equifax and XXXX. I could not freeze my credit at Experian because of system problems. I was given a pin number and after trying to freeze my credit by telephone, I was told I needed to mail the request in. I chose not to mail the request, so my credit report with Experian was not authorized to be frozen. 
Today, my potential mortgage lender, XXXX XXXX could not pull my credit because they were told that my credit was frozen by Experian. Per my request, XXXX and XXXX  had unfrozen my credit. However, because of Experian they could not proceed. 
This is my complaint. Experian is not accessible by telephone to unfreeze credit neither do they give an option to talk to a person. I called the number they publicized : XXXX XXXX times. Also, I called the two numbers XXXX XXXX gave me : XXXX and XXXX and heard the same prompts ( 1or 2 ) nothing for freeze and no option for a representative. I just checked online using my Experian PIN and the message I received '' ... you do not currently have a security freeze on your account.So, if I do not have a security freeze on my account, why are they reporting it as frozen? I need to talk to someone to get this issue resolved. My credit at XXXX and XXXX   will refreeze on XX/XX/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 2018-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over this past year Ive gotten numerous phone calls from XXXX ; Bank of America, this last one at XXXX, XX/XX/2018.they are insisting that I am Late with my payment. I have never been charged with a late fee for my mortgage, and Ive had this mortgage for five years. Nastily Ive been told that Paying in the grace period ... means I am late, and what am I going to do about it. Well Im XXXX and as soon as my checks are cleared, I write my morgtage But that doesnt seem good enough ... then the woman got real nasty and said if Im renting to anyone, or not living there my interest rate should be higher..I told her no I am the only one that lives here and that I am homesteader in XXXX XXXX, Florida . 
Six months ago, they called to check to see if I was a foreigner ... and asked for a copy of my passport.

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 2018-09-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I never missed a payment or never defaulted on my student loans since XXXX ( end of grace period ). Navient become a my loan servicer on XX/XX/XXXX. 

1st incident- I made an on-time payment for {$380.00} to Navient on XX/XX/XXXX ( due date the XXXX of every month ) for XX/XX/XXXX payment. However, on XX/XX/XXXX, Navient never posted my on-time payment. As a result, I faxed a letter dated XX/XX/XXXX, with document proof from my bank to Navient, in regards to mishandling my incoming payments and its effect on my credit report. 

2nd incident - I made an on-time payment for {$380.00} to Navient on XX/XX/XXXX for XX/XX/XXXX payment. However, on XX/XX/XXXX, Navient never posted my on-time payment. On XX/XX/XXXX, I spoke to a woman named Ms. XXXX, a Navient representative, at XXXX XXXX. PST in regards to this recurring issue of not posting my on-time payments. As a result, I faxed another letter dated XX/XX/XXXX, with document proof from my bank to Navient, in regards to mishandling my incoming payments and its effect on reporting to credit agencies. 

As a borrower, I am performing my due diligence and also relying on Navient to perform its due diligence as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX also known as XXXX XXXX is reporting inaccurate billing information. Im not 30 days late and they havent updated any of my payments since XXXX. They reported 30-60 days late and affected my credit score terribly.

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 2018-04-02
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Venmo withdrew {$450.00} from my checking account to transfer to my daughter 's account. Out of the blue, Venmo froze my account and my daughter 's account. They have kept my money and have refused to refund. They have requested information from me and I send and then they ask for more. Venmo has been in trouble with the FTC for this behavior I have just learned. They are currently on a watch list. They have been lying to me about my funds. To this date, they still have my money and my account is frozen. They use this as an excuse to keep your money. This is fraud and theft. Please help. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Terrill Outsourcing Group
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Keep get called repeatedly that they need to speak to me concerning a business matter and they have all my information social security number and date of birth and my location Ive never gave this company my information and dont have any outstanding debt and only have a debit card.So they continue to harass me and I feel its a violation of my rights because I dont know this business and they are making false claims against me and would pursue legal action regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: EQUIFAX, 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:
Last XX/XX/2018, I sent this credit repository a letter via fax requesting the XXXX XXXX   account ref # XXXX to be removed and blocked from my credit report pursuant to FCRA 605B. Pursuant to FCRA 605B a reported fraudulent account MUST be removed from a consumer 's credit report within 4 business days. Attached to this complaint is a copy of my Police Report and FTC ID theft report and copy of the letter faxed to this credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been sending the creditor what they have been asking for to get my account paid off in 3 years. However, they have misled me in believing this amount would actually pay off the account but as you will read it does not. It is very misleading and to be unlawful. I have pasted my original complaint to them as follows. 

****I just looked at my statement you have if I make min payments it will take me 6 years to pay off and if I make XXXX a month it will take 3 years. Needless to say, I send you XXXX and interest is over XXXX? How is this account getting paid down in the 3-year window you have printed? Very misleading to the consumer. **** Their response had nothing to do with my concern and they informed me they are following Federal guidelines as to the posting of the information but federal guidelines DO not state it has to be accurate. There reply is as posted. 

**** Dear XXXX XXXX XXXX, Thank you for your recent email. 

Providing three years of pay-off information is required under federal law, which we comply with. CFNA does not provide alternate pay-off plans as too many factors can change e.g. a late payment fee, NSF fee, assisted operator fee, new purchases, etc. We recommend that you utilize one of the many pay-off calculators available online. To utilize such a calculator, you just need to enter the term of the loan ( 3 years ), outstanding balance and interest rate ( 28.8 % ) to calculate the amount your payments should be to pay off your loan, assuming no other activity on your account. 

****All I know is that " there '' factoring has created more money in their pockets for I have always followed what the creditor has started to send in to pay off my accounts earlier and with less interest.

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 2018-06-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I wrote and called the company and advised them that this is fraud I also advised the credit companies

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 2018-02-24
Company: EQUIFAX, INC.
State: IA
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:
Court ordered to refinance because of a divorce. My ex wifes history of late payments makes my ability to purchase a house impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 have a loan with CAPITAL ONE. 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 CAPITAL ONE 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 XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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:
INQUIRES THAT I DID NOT AUTHORIZE PLEASE REMOVE THEM ALL FTC VIOLATIONS! 

ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 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 2020-10-14
Company: EQUIFAX, INC.
State: ID
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:
Credit Card company : XXXX XXXX XXXX  ACCOUNT # : XXXX DATE OF REPORTING : XX/XX/2020 Reported me deliquent 30 days for XX/XX/2020 due to an ongoing scheduled maintenance which unfortunately resulted in zero access to the account between dates of XX/XX/XXXX - XX/XX/2020. Which was 1. Not notified of such scheduled maintenance 2. Unable to access account through online portal or with customer service. 

3. Payment was not recorded on XX/XX/2020 of {$1300.00}. 

4. Payment should have reported to credit bureaus on before XX/XX/2020 Please see attached screenshots of the results of the occurences. 

Please as a courtesy I ask the credit bureaus to make the update to the credit agencies to all 3 bureaus : XXXX EQUIFAX AND XXXX So the dleiquency is removed from the reporting for XX/XX/2020 and shown as " CURRENT '' or " Pays as agrees ''. I have a letter directly from the creditor to have this information ammended directly. 

I appreciate that this be marked as urgent due to repercussions and impact this has had on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
During the months of XXXX, XXXX, and XX/XX/2020 I requested LexisNexis to place a security freeze on my account. 

On or about XX/XX/2020, the credit bureaus notified me that the inaccurate information being reported in my files were validated by LexusNexis. 

LexisNexis continues to furnish inaccurate information to XXXX, XXXX, and XXXX. 

In XX/XX/2020, I called LexisNexis and a senior rep advised me that they have no file matching my personal information I provided. When I hold them what the bureaus said, I was advised that all LexisNexis does is provide a data load file to these bureaus and the bureaus are the ones incorrectly matching accounts. 

LexisNexis claims to also have no relationship with the bureaus even after admitting they send a file monthly to them. 

The three bureaus further communicated with me that they went directly to the federal bankruptcy courts to verify and validate the reported items. 

In XXXX I contacted the federal courts bad the clerk advised that the fourths do not verify or validate any personal information with LexisNexis or the bureaus. 

At this point someone is lying and furnishing inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: Experian Information Solutions Inc.
State: KS
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:
Experian won't remove an incorrect item off my credit report. I never owed the amount. Online retailer never properly refunded returned clothing, then piled on late fees. I never owed them anything.

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