BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Dates : XXXX Original Dispute Letter Sent / XXXX Follow-up Letter Sent Summary : This compliant surrounds all three credit reporting agencies ( XXXX, TransUnion and XXXX  ) non-compliance with federal guidelines. I disputed inaccurate information on my credit report on XXXX. There was a total of 4 issues disputed, with 1 being fully addressed/removed due to inaccurate information. As a follow-up to the original communication, a second communication was provided for action on XXXX. 

To date my disputes approach the 90 mark. There has been no response from XXXX, TransUnion or XXXX. Clearly, the have circumvented federal guidelines with no action take or corresponding communication to address my disputes. Lastly, I understand the challenges from an operational perspective due to COVID-19.

However, the challenges do not circumvent federal guidelines and or laws. All 3 CRA 's have had more than enough reasonable time to address my issues at or beyond 90 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have XXXX days to do so if not or over the XXXX days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over XXXX days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-28
Company: Experian Information Solutions Inc.
State: NJ
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-21
Company: CITIBANK, N.A.
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 is missing that should be on the report

Complaint:
I disputed the accuracy and completeness of this account on XX/XX/2022 and CITI BANK NA certified and verified that the information being reported is accurate. After CITI BANK NA verified the information as being reported accurate, I pulled my XXXX, XXXX, and XXXX consumer reports and noticed that the information is still incomplete and inaccurate. It's clear that CITI BANK NA failed to conduct a reasonable reinvestigation. This is a failed requirement of Regulation V under 12 CFR 1022.42 and a violation of 15 USC 1681s-2 ( b ) of the Fair Credit Reporting Act and CITI BANK NA is liable under 15 USC 1681n and 15 USC 1681o .

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 2020-12-06
Company: Experian Information Solutions 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 asked all 3 credit bureaus to investigate an account that XXXX XXXX added to my credit reports. 

In accordance to the Fair Credit REporting Action, Section 609 ( a ) ( 1 ) ( A ), I requested by federal law the verification i.e. through the physical verification of the original signed consumer contract for the account. To date I have not seen or been provided evidence of such. I request to see some verifiable proof which would include an Original consumer contract with XXXX XXXX. The failure to properly verify this account has negatively affected my credit. I respectfully ask that this account be removed immediately. 

In addition, please provide me with verified documents where XXXX XXXX purchased an account which it states that I owe. I have no evidence or documents where XXXX XXXX holds any debt that I may owe. 

Lastly, please remove all non account holding inquiries over 30 days old and add a promotional suppression state to my file as it concerns this XXXX XXXX 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 explanation
Consumer complaint received 2023-03-20
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I was sent a notice by CCS Collections that XXXX had submitted a claim. I made a payment agreement with them so that they did not report. It was a bi weekly payment agreement. A month later, after making my payments, the debt was reflected on my credit report. I then paid off the whole balance. The company agreed a pay for deletion. Now I can not get a hold on anyone and they refuse to remove this paid account off of my credit report. the balance reflected {$130.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: GOLDMAN SACHS BANK USA
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Apple MasterCard advertises 3 % daily cash back on select merchants such as XXXX but in reality, only gives 1 %. On XX/XX/XXXX transaction of {$99.00} received a 1 % cash back of {$0.00} rather than 3 % ( {$2.00} ). 

Apple XXXX cash back term stated on their website : " XXXX : 3 % Daily Cash is available for purchases using Apple Card with Apple Pay in XXXX U.S. stores, and bill payments and AutoPay on XXXX and in the XXXX app. Authorized XXXX dealers are not eligible for 3 % Daily Cash which can be found on XXXX XXXX account payments, and purchases made through any XXXX checkout, including those at XXXX U.S. stores, are not eligible for 3 % Daily Cash. '' But then on the actual transaction only gives 1 % back. I made a formal complaint on XX/XX/XXXX for the XXXX monthly bill payment made on XXXX using the credit card. on XX/XX/XXXX apple determined no error occurred. I called the apple card specialist and they said that you only get 3 % when using apple pay but the term stated above says in bill payments on XXXX. This is the false advertisement that influenced me to get the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Try to access MyEquifax through the following web site. https : //www.equifax.com/personal/ I am able to access lock and alert ( https : //lockandalert.equifax.com/member-center/portal/ ) but can not access my equifax. I am asked to to contact the Customer Care team at XXXX. But can not get a representative. 
I need to be able to access My Equifax so I can access the following information as noted at https : //www.equifax.com/personal/ Sign in to place or manage your security freeze, fraud or XXXX XXXX alert, and disputes. You can also access your Equifax Core CreditTM or myEquifaxTM paid product

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite multiple written requests, the unverified account listed below continues to report late payments on my credit report. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: LA
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 sent you another dispute letter containing the list of accounts and items that don't belong to me over 30 days ago ( XX/XX/2023 ) but I still haven't gotten any update about the status as yet. I am aware that the CRAs are required by the FCRA to comply with consumer disputes so kindly please take a look at my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced a mortgage into a HELC with Citizens Bank back in 2004. Citizens had been the previous lender as well. A lender prior to Citizens did not assign the mortgage properly on my deed. The prior lender is no longer in business. At the time I refinanced with Citizens I had to pay Title Charges as part of the closing cost. I feel that this should have been take care of then as the Title Charges are for things such as this. 
It was not taken care of. 
Now and in the past I have tried to refinance my loan as the rates are considerably lower and I am unable to. 
Citizens has suggested that they can refinance for me as other lenders will/can not because of the title issue. This seems like unfair business practice at best. 
Can Citizens be made to pay me for my losses of not being able to take of advantage of the lower rates?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
This company was not authorized to pull my credit report on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This is my second complaint about the same thing. American Express Serve card. 
Complaint number : XXXX The letter answering my complaint talks about a {$1000.00} request for withdrawal that was against their policy. I did Not see any {$1000.00} on the statements they sent and I have No record in my bank accounts of {$1000.00} deposit to XXXX or reverse. How do they know it was n't a scam/fraud on my account? And They never asked me. They closed my account so I could n't look at it. It concerns me that someone used my account since XXXX stated the transaction was complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Williams & Fudge, Inc
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collected called a high school friend in order to confirm my contact number. I am unsure how they got one of my friend 's phone numbers or why they were contacting a friend of mine about my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were in negotiations with XXXX XXXX  in XX/XX/2020 and advised the current mortgage holder Specialized Loan Services about a possible delay in closing past the end date of the mortgage which will end in XXXX 2020. They advised to continue sending payments as usual until closing on the new loan. This was from multiple service desks employees. We documented everything. Loan Services in XXXX returned our payment and placed a delinquency on our credit score which ended our ability to refinance with XXXX XXXX  or any other bank. 
We have spoken to many contacts with Loan Services but have had no resolution as of yet. We asked for a XXXX to extend the loan, they said they can not due since the mortgage end date has passed. Loan Services also can not refinance in Massachusetts since they have no license to so in our state. 
XXXX will refinance if our credit score is corrected. We obviously have never been late on this mortgage and are asking for a removal of the delinquency from our Credit on all three agency 's so we can refinance our home. We received a denial letter just today with only one note : Behind or delinquent history. Losing our home will be devastating and would place an Adult with XXXX XXXX  and a XXXX  service member out of their home during COVID along with XXXX other adults. 
This is the second time we filed a complaint about Specialized Loan Services.

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 2023-03-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Amazon Visa card application. It provided a section where you can check if you prequalified without hurting your credit. Followed the link and received a congratulations you qualified. Started to and filled out application and submitted. It came back with you are not approved. So not only are they deceptive, but also intentionally hurting your credit score. I have excellent credit score of XXXX. Now it is affected by this intentional and willful act of deception!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/2022 XXXX  at XXXX I was made a payment to my credit card for Bank of America ATM machine out side a Bank of America located at XXXX XXXX XXXX XXXX, XXXX CA XXXX, ATM ID is XXXX the card # is XXXX Amount is {$1200.00}, but when i taped the view bill tape the screen was frozen there, non of the button on the ATM was working anymore, after a few minutes the ATM just took my money, ATM didnt give me receipts and there werent payment transactions appear on my account balance, I called the credit card company right away until now they didnt have any answer for me I am kind of stressed out.

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 2019-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
XX/XX/2016 lease use car from. Auto buy credit use car lot. The car was given back due to problems with the warranty company was not willing fix thevtransmission the bal i owe XXXX. They are add crazy fees too the finial bill. Iam looking to get this account close if possible. 
Taken off my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Firstsource Business Process Services, LLC
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a statement state {$200.00} was due m needed to be paid to one advantage. This is not my debt n I want you to send me the name and address of the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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:
On XX/XX/2023 The Credit bureaus stated Account Name : XXXX  XXXX & Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Name : XXXX  XXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well i have dispute as fraud with police reports and nothing has been done now we have to go by the law i have a consumer law attorney as well under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block I asked that you comply within the timeframe To refrain from a lawsuit

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 2022-02-14
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: Their investigation did not fix an error on your report

Complaint:
The following accounts are alleged to belong to me are false : # 1 XXXX  - XXXX XXXX  - Alleged account belonging to me is in error # 2 XXXX XXXX XXXX XXXX - Alleged account belonging to me is in error # 3 XXXX XXXX XXXX - Alleged account belonging to me is in error

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