BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: IL
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 is reporting incorrect information about me and have refused to make changes in a timely manner

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 2018-05-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Today, XX/XX/XXXX, XXXX XXXX XXXX XXXX New Jersey attempted to perform a credit check through Experian to allow me to finance the cost of installing a new furnace in my home at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX where I've live with my family for XXXX years and have had an account with XX/XX/XXXX that supplies our natural gas and electricity. Experian responded to XXXX XXXX XXXX that there is a freeze on my credit report account and that I need to unfreeze the account for them to release the requested information. Please note that I had my identity stolen in XXXX, XXXX, and following the Federal Trade Commission 's protocol, I had my credit frozen for 7 years. On Experian 's website I filled out the form to unfreeze my account and received a message that stated, " We are unable to process your request as our records show you do not currently have a security freeze on your credit report. '' Consequently, I am unable to get the credit approval to go forward and have the furnace replaced. All I need to do is to temporarily lift the security freeze on my credit report at Experian. Please note that XXXX XXXX XXXX utilizes only Experian for credit checks. So according to Experian, I do and do not have a security freeze on my credit report. Please advise me as how to resolve this issue. Thanks in advance for your assistance.

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 2019-10-09
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
in 2017 i did a payday loan with ace cash express and due to becoming XXXX i have been unsuccessful paying the loan back but every day the company calls my phone harassing me with scar tactics sating they are the XXXX XXXX County and charges are being brought against me it has caused a great deal if stress upon me and im currently facing stressful things in my life today the way this company harasses me everyday is adding the pain of stress that im already dealing with it, i really wish they would not call my phone this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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 had fraudulent charges on my credit card after I lost my card. I reported the loss to the Bank by phone and in writing. I did everything required of me pursuant to the Federal Fair Credit Billing Act, and I request that the Bank do the same. It took constant calls to the Bank to investigate the matter. I requested that they produce all the signature receipts to prove the purchases where mine. The Bank finally produced some of the documentation, but not all. The documentation they did produce proved to me that the purchases were not made by me. I communicated these facts to the Bank but the Bank continues to claim that I owe the money. They have to date never produced all the documentation. The Bank 's resolution to the problem was to charge off the amount and report negative information on my credit report.The Bank 's action has prevented me from gaining credit from other sources and is totally contrary to the provisions in the Federal Fair Credit Billing Act. Their action has negatively marked my credit worthiness and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: EQUIFAX, INC.
State: LA
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 explanation
Consumer complaint received 2018-03-30
Company: Stokes & Wolf, P.C.
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:
On XX/XX/XXXX Stokes & Wolf PC sent me a letter to settle the Collection for {$2300.00}, which is the Original Amount. I had until XX/XX/XXXX to pay the Account in Full. The Account was paid in Full XX/XX/XXXX. I Received the Letter stating Paid in full. ***NOW***XXXX XXXX who had the Account, will not change the Balance to XXXX and Paid I Full. When I asked they said to Call Stokes and Wolf said I have the Letter and they should change the Balance to XXXX. Called XXXX XXXX XXXX and they said FLAT OUT NO.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-04-04
Company: BlueChip Financial
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
My loan was to be paid thru a consolidation company that went out of business and I was notified by XXXX I set up a payment plan at that time which seemed affordable but due to XXXX could not met it They did agree to a smaller amount Due to a complication I cold not contact them until I was released from the hospital They want to send to collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage loan with Ocwen Mortgage which in XX/XX/XXXX was taken over by PHH Mortgage XXXX XXXX XXXX, XXXX XXXX NJ XXXX. I had been going through a foreclosure since XXXX of XXXX. In XXXX through the attorney of mortgage company We came to an agreement that my loan modification would be accept and that we could settle out of court if I agreed to pay my mortgage from XX/XX/XXXX- through XX/XX/XXXX. 
My monthly payment is XXXX on XX/XX/XXXX I signed the modification loan had it notarized and sent a check for {$10000.00}. I couldn't not communicate with loan company because of the foreclosure so I communicated via through PHH attorneys to find out the status of Modification. It is now XX/XX/XXXX and I have not heard back from mortgage company regarding modification. I also conveyed through mortgage attorney to send me a balance as to how monies were applied. Attorney conveyed information but I never received status. In late XX/XX/XXXX. I received an email that a new foreclosure would commence. Not sure what that meant when I had sent money to settle the foreclosure. I sent the foreclosure intent to mortgage companies attorney why they were sending me such a letter when I had already sent money to settle out of court. 
Attorney said she would convey the information and get back to me, I also asked attorney to send me a breakdown as to how monies had been applied she said would. 
It is XX/XX/XXXX and I still have not received correspondence from mortgage company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 been disputing various accounts with your bureau and to this day I have not received answers on why or how these accounts remain on my credit report. Your agency has continued to allow reporting on invalidated information. I have continued to dispute these claims multiple times and all I have seen is the accounts being updated or verified. How are these accounts being verified? Who is verifying this information? What documents do you have to support these claims? I have yet to receive an original contract with my signature from any of these accounts so how is this being tied to me? How are they verifying this information as accurate with you? This has been detrimental to my credit report and I am seeking legal counsel. Please prove to me how you are validating the below accounts. If you are unable to prove that these accounts belong to me then I ask that you remove the accounts from my credit report. Please provide me proof that you have the contracts proving these are mine. If not, please remove it. 

- 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 explanation
Consumer complaint received 2021-02-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is reporting my HELOC loan incorrectly as if it were open and an active revolving credit account. It is actually closed and in the repayment phase. I have a letter from Chase confirming that it is in fact closed and not active and in a repayment phase. XXXX and XXXX  are both reporting this accurately but XXXX continues to report it incorrectly as an open revolving credit line. 
It originally had a XXXX limit which was never used fully but when the 10 year term expired There was a total of XXXX spent. This is the figure that Ive been paying back as a 2nd mortgage, not the limit of an active revolving credit account which is what XXXX is currently reporting. It completely throws off my credit utilization amount and needs to be reported correctly as a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: BARCLAYS BANK DELAWARE
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 status incorrect

Complaint:
My account was frozen by the creditor and a statement of {$89.00} was still post on XX/XX/2017. I made several calls since then and talked to multiple account managers. The final decision was my account would be handed over to another department for review and close down. The creditor kept reporting delinquent account to XXXX   and XXXX  during that period. I couldn't access my account since it was frozen. There's nothing I can do with my account. It is extremely unfair to do this to me.

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 2017-12-11
Company: National Credit Systems,Inc.
State: OH
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 contacted the company, National Credit Systems, multiple times regarding the two accounts that were placed on my credit report after they sent letters stating that i owed the debt. Two times I sent out validation letters for them to show me that the debt is owed to me and the did not respond either time. These dates were XX/XX/XXXX and XX/XX/XXXX. I also contacted all three credit bureaus on numerous occasions - XXXX, XXXX, and XXXX - and stated that the debt was not mine and that they did not respond to my letters. Each bureau said that the debt was validated through their company but did not provide any information as far as the validation that National Credit Systems provided. This debt is inaccurate and should not be reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
USAA Reroutes me to Collections blocking my access with my current account for a very old debt that was discharged VISA XXXX XX/XX/2013 Statute of Limitations in Florida State I live is 4 years USAA HAS NO RIGHT TO COLLECT THIS DEBT They are not above the law And they have no right blocking my current account to collect this 7 year old DISCHARGED DEBT This is done in retaliation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: NC
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 over 13 hard inquires on my credit report with Equifax that are not linked to any open accounts I have. I have sent in a dispute letter that they received on XX/XX/2021 via certified mail as well as a phone call on XX/XX/XXXX at XXXX XXXX EST but they have not removed them. I have also requested the signed agreement for the negative accounts listed on my report but they have failed to provide that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
My account was frozen by the creditor and a statement of {$89.00} was still post on XX/XX/2017. I made several calls since then and talked to multiple account managers. The final decision was my account would be handed over to another department for review and close down. The creditor kept reporting delinquent account to TransUnion and XXXX  during that period. I couldn't access my account since it was frozen. There's nothing I can do with my account. It is extremely unfair to do this to me.

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 2021-02-02
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: Information belongs to someone else

Complaint:
On my reports there is a closed account with huge amount of missed payments. AMERICAN EXPRESS XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the AMERICAN EXPRESS has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 SENT OFF LETTERS ON XX/XX/2021, TO THE CRA 'S ( TRANSUNION, XXXX, XXXX ) ABOUT NEGATIVE ITEMS THEY ARE REPORTING ON MY CREDIT PROFILE. THE INACCURATE INFORMATION, INCLUDING MY NAME AND ADDRESS HAS NOT BEEN VERIFIED TO ME AND ITS CONTINUE TO BE POSTED KEEPING ME FROM OBTAINING CREDIT. I HAVE ATTACHED COPIES BELOW FOR MY RECORDS

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 2020-09-15
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I checked my credit reports as I often do I saw that Lvnv Funding placed a XXXX collection on all three of my reports which is false and untrue. 
When I contacted Lvnv Funding demanding that they provide me with the documentation to validate the debt pursuant to The Fair Debt Collections practices act and the fair credit reporting act they refused to comply within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: The Bureaus, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written 3 debt validations letter to this company and they have not followed up with validating the debt. They repeatedly sent me information about the alleged debt but nothing that verified the debt was mine bearing my signature. Letters were sent on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I sent all letters through certified mail. I have documentation that the letters were received. Please delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
My name is XXXX XXXX. I opened a checking account with your bank at the beginning of XX/XX/XXXX of this year. I opened the account using the promo code XXXX XXXX, which advises that I would receive a {$400.00} dollar bonus once I have received two direct deposits of {$250.00} or more within 60 days of opening my account. After setting up the account, I called to confirm my account status and spoke with a representative who verified my information and assured me that my debit card will arrive via mail. I received my debit card and I received two deposits within the 60 day time frame. On XXXX XXXX, 2017, after my second deposit posted I called once again to confirm the status of my account and spoke with a representative named XXXX. Im employed in the legal field so I was sure to notate who I was corresponding with in regards to the matter. XXXX stated verbatim that he saw where my promo code was entered in the system and assured me that my bonus would post within the upcoming week and if I didnt see any activity to call back for assistance. After being informed by two of my colleagues that their bonuses had posted to their account, I called back on XXXX XXXX, 2017 and spoke with another representative named XXXX. XXXX stated that the promo had expired and he could not be of assistance to me. I then asked to speak with a supervisor regarding the matter. For security purposes, my information was verified and I was connected with a supervisor named XXXX. I explained the matter to XXXX who informed me that the offer had expired and was not valid in my area. I explained to XXXX that two of my colleagues had received their bonuses along with thousands of other residents who were not in the targeted area. He had no rebuttal for that information and stated he couldnt explain the reasoning behind them receiving their bonuses. XXXX then asked me to confirm the eligibility requirements that I received by email prior to opening up the account and confirmed my information to be truthful. He then asked if I could be placed on hold to look further into the account to see what could be done to assist me. After reconnecting with me on the call he stated he could offer me a {$100.00} credit for the inconvenience. I explained to him that I appreciated his customer service, but I was not satisfied with the outcome. I also stated that I took the correct steps to open the account in a legit manner and should have receive the bonus as well. He agreed. I explained to him coming from a legal background that it is not good business to mislead consumers and I was very unsatisfied as a new account holder. I took all the proper steps and should be compensated correctly for signing on with this bank. I also referred a family member. I believe this matter is highly unfair as a business and Im requesting to be compensated for the {$300.00} remainder of the promotional bonus.

Company response to consumer: Closed with explanation