BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-08
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: Investigation took more than 30 days

Complaint:
Experian is reporting a Balance of {$29000.00} Which is Inaccurate Experian also says it was charged off in XXXX which is Inaccurate And also Experian is still reporting accounts from XXXX XXXX & XXXX XXXX Also there are several Inquiries which I do not recognize

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 2018-11-08
Company: Selene Finance LP
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold from XXXX XXXX to Selene Finance and my automatic payments began coming back to me, in the form of a check payable to Selene Finance. These payments were paid biweekly and included more than the amount due. Never was I contacted via phone or email. Only the returned checks, which took weeks were my evidence that there was an issue. After 3 checks, {$2100.00} that was deducted from my account from a 3rd party Bill Pay system, I still owe the {$1400.00} mortgage payment. Trying to get in touch with Selene is harder than crossing the Southern border of the US. No less than 4 hours have been spent on hold or speaking with a representative with no solution. Late fees and extra interest plus a huge hit on our credit scores are a result of this companies terrible negligence in customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, 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:
According to the FCRA, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Furthermore, I have sent proof to several months back containing an identity theft affidavit as all the items being disputed are a result of identity theft. 

I demand that the following accounts be verified or removed immediately : All the items below are a result of identity theft : 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 Also , please remove all non-account holding inquiries over 30 days, and add a promotional suppression to my credit file to prevent further identity theft. 

Inquiries as a result of identity theft : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Law Offices of Robert A. Schuerger Co., LPA
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2018, I was contacted via phone from a representative claiming he was from the Law Offices of Robert A. Schueger Co., LPA, stating he was representing the Ohio Attorney General and they were hired by XXXX XXXX University regarding a Student Loan Debt. He went to state they were preparing a lawsuit against me and were going to do a search for assets. 

I explained that XXXX XXXX had already been receiving money and I had several Debt Collection Agencies contacting me trying to collect on the same debt. I also explained there were no longer any assets to seize and I asked for a Letter of Representation for my records. 

A week or so later, I received a letter from the Law Offices of Robert A. Schuerger Co. , LPA stating they were appointed by the Ohio Attorney General that demanded an amount of {$4500.00} on behalf of XXXX XXXX University. A few days later I also received another letter from yet another Debt Collection Agency demanding {$12.00}, XXXX also on behalf of XXXX XXXX and the fraudulent US. Department of Education. A separate complaint against them will also be filed. 

On XX/XX/2018, I called the Law Offices of Robert A. Schueger and spoke with a secretary named, XXXX. I explained the reason for my call was to ask for proof of the debt since I had also had money taken from other agencies on behalf of XXXX XXXX and I was continuously getting letters and threats from several agencies. 

XXXX became defensive and started arguing that I could look up their law office on XXXX so I stopped her by stating it was my right by law for them to send proof of the debt and that was all that was required from her. XXXX responded by threatening litigation and then disconnecting the phone call. Reactions and threat tactics such as those are usually indicative of fraudulent and abusive debt collection practices. 

I called back and spoke with a Mr. XXXX, who politely asked if I would like to speak with a Supervisor after advising me they had several people there named XXXX. I agreed and was then transferred to a voice mail for a XXXX or XXXX XXXX. I did leave my name, contact information and reason for the call, in addition to feedback for XXXX 's unprofessional and threatening communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: JPMORGAN CHASE & CO.
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:
Two charges ( {$370.00} deposit & {$1400.00} balance ) were placed on my Chase Visa credit card account for a vacation rental through XXXX  on XX/XX/XXXX and XXXX, 2020 for a rental period of XXXX XXXX 2020. The vacation property was advertised as clean and safe. In XX/XX/2020, given the unprecedented circumstances regarding the COVID-19 pandemic, the US CDC issued recommendations for the cleaning and sanitation of hotels/motels/vacation rentals. These standards were deemed the minimal necessary for public safety. Failure to follow such standards was considered unsafe. As such, it is reasonable to expect that these standards were met for the vacation property to be clean and safe as advertised. The merchant was contacted in XX/XX/2020 to obtain confirmation as to the cleaning standards used to confirm that the property, including common areas included in the paid service, were clean and safe. Several attempts to receive such documentation were ignored by the merchant. As such, the service was reasonably considered defective and not-as-described. Multiple attempts to resolve the issue with the merchant were fruitless. 

A dispute was opened with the credit card issuer, Chase, on XX/XX/2020. The dispute was denied in a letter received XX/XX/2020, AFTER the XX/XX/2020 rental period had expired, and as such NO services had been rendered. Additionally, the chargeback dispute resolution letter from Chase ignored the " not-as-described '' reason for the dispute and claimed a cancellation policy which was never in question. 

The claim was re-disputed, now on the grounds that no services were rendered, and, as such, falls under the category of a billing error. Additionally, the merchant continued to decline either a full credit or refund. The second dispute was also denied by Chase in a letter dated XX/XX/2020. 

We are now asserting Claims and Defenses, seeking independent binding arbitration as well as a formal complaint investigated through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, For years I have been enrolled in Equifax 's Complete XXXX XXXX. For approximately 8 months I am unable to lock my credit report. I called Equifax. The customer care individual was unable to lock my report on his end. This was then escalated by a supervisor who said that a report was sent to Equifax 's Technology department. In the meantime, I was told by this supervisor a Freeze would be placed on my file. Last month ( XXXX ) a future landlord needed my to run my credit. I called Equifax to unfreeze my report. I was told that a freeze was never placed on my report. I called Equifax again, today XX/XX/2020, to remedy this issue. I spoke to XXXX in customer care. He was unable to lock or freeze my credit report. He stated that my case has been pending for months. He sent another request to technology requesting them to repair this issue. I asked XXXX if this could be done today. He said technology was not responding to him. I asked him if someone could follow-up with me. He stated he sent a memo to technology to repair this issue and to call me back. However, XXXX said he could not guarantee I would receive a return phone call. He said he placed a fraud alert on my file. However, if a lender forgoes this, a person could still open an account under my name. I was notified by Equifax and XXXX XXXX XXXX XXXX 's Tax Identity Shield approximately two months ago that my Social Security number and e-mails had been stolen. I received a letter yesterday that someone ( using my name ) was attempting to become prequalified through XXXX for a revolving credit account. Luckily the request was denied due to the freeze I placed with XXXX. However, I'm very afraid that if Equifax does not lock or freeze my account, someone will have access to opening accounts under my name. If you contact Equifax, they have our conversations logged. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter dated XX/XX/20 informing me that as my Citi Double Cash Mastercard had XXXX balance, was in good standing, and had not been used for 2 years, it was automatically closed. 
This negatively affects my credit balance. 
I was given no warning. I called the company to request a reversal and they refused. 
My account was in good standing the entire time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Good Morning ; PLEASE HELP!!!! - I need some advance help with this because i been trying to resolve this for like 3-4 months now and I just keep getting run around. As I had mentioned in several of my previous letters, I'm disputing the accuracy, completeness, and validation of this particular account that caught me by surprise. A couple of months ago when I was looking through my credit I noticed a BoA Credit Card with a high balance of {$1700.00}, and immediately I started to dispute because each bureau are reporting different information. How is it possible that same account can be reported completely different among all the 3 major credit bureaus ... such as different date of last activity, date last payment, date opened, high balance, account number, etc. How is that remotely possible? I thought FCRA promotes 100 % fairness, accuracy, timely, and verifiable. And also, by looking at the way it's reporting, it looks like that the account is getting re-aged every year by the company of credit reporting agencies. Is that legal? But to get a kickoff, every time I disputed through the credit bureaus, I'm getting these template responses that just say verified as accurate and updated? What exactly did they update? And mostly, how can they say that they verified this as Accurate? Impossible - look at the attachment.

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 2020-04-30
Company: Experian Information Solutions 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:
The credit repair company has failed to respond to my compliant and there is still unverified and inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: WELLS FARGO & COMPANY
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:
My mortgage with Wells Fargo was in forbearance & though they were not reporting late they kept upping the past due amount every month so my loan showed I owed more than the original loan & has tanked my credit. I spoke to them in XX/XX/XXXX about it & XX/XX/XXXX again & they said they would bring it to the attention of the department responsible. Spoke with them again XX/XX/XXXX & they said they were allowed to report the overdue amount in the balance as long as they dont say payments were late. They also showed that my account was in forbearance on all my credit reports. Credit companies said they could do nothing or change any of that reporting. This in turn has completely messed my credit report up & Ive ended up with reduced credit lines & higher interest rates. The reason showing is my loans are too high balances compared to the original amount & theyre over the limit amount. This is the ONLY problem on my accounts! Not to mention other problems Im having w Wells Fargo holding my sons CD hostage during Covid. Now instead of modifying my mortgage to a lower rate/payment they have put me in a trial 3 month payment for {$200.00}. Less than the original mortgage amount but have told me nothing about what they will be doing with my mortgage & if I will have a lower interest rate & payment after or IF they will be modifying at all! I am XXXX & need help desperately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE. I HAVE NO IDEA HOW THE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. I HAVE NO DOUBT THAT MY IDENTITY HAVE BEEN TAMPERED WITH BY SOMEONE UNKNOWN TO ME. I AM VERY CAREFUL WITH MY PERSONAL INFORMATION. THIS SITUATION IS VERY STRESSFUL SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-04-30
Company: AMA Advisors, LLC.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My partner is on furlough from his job so we have a financial hardship to household income. We have an FHA loan so I logged into the Homebridge ( our mortgage servicer ) website understanding that we could apply for a forbearance or a deferment of payments ( the latter being the preference ). The website says only forbearance is available and any skipped payments must be repaid in one lump sum at the end of the forbearance period. They even provided this example ( copied straight from their page ) : Example One : 1. XXXX  's monthly mortgage payment is {$1500.00} and is due on XXXX XXXX. He chooses a 90-day forbearance in XXXX. As a result, the forbearance period will run from XXXX  through XXXX. During this time, his monthly mortgage payments are suspended. At the end of the forbearance period, XXXX  will owe a total of {$6000.00} on XXXX XXXX. That is, he will owe {$4500.00} for the XXXX   through XXXX  payments, plus his XXXX  payment of {$1500.00} ( total = {$6000.00} ).

Example Two : 2. XXXX  's monthly mortgage payment is {$1500.00} and is due XXXX XXXX. He chooses a 180-day forbearance in XXXX. As a result, the forbearance period will run from XXXX  through XXXX. During this time his monthly mortgage payments are suspended. At the end of the forbearance period, XXXX   will owe a total of {$10000.00} on XXXX XXXX. That is, he will owe {$9000.00} for the XXXX through XXXX  payments, plus his XXXX  payment of {$1500.00} ( total= {$10000.00} ).

We can't repay a large lump sum like that so I guess we're left on our own to figure out other options. I was under the impression the CARES act was supposed to benefit the consumer by allowing deferments but clearly not ; I don't understand how anyone who suffers a job loss can be expected to come up with a {$21000.00} lump sum payment in six months ( our payment is $ XXXX/mo x 6 months = {$18000.00} + the next payment of {$3000.00} ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: PNC Bank N.A.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PNC bank states to XXXX credit bureau that {$160.00} written off ; {$560.00} past due as of XX/XX/2019. This is not true, a delinquency was a delay in an insurance claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
on all XXXX credit bureaus they have a negative report from XXXX which states i owe {$510.00} to XXXX on behalf of XXXX. The problem is I resolved the debt directly with XXXX. we agreed on payment of {$180.00} XXXX which I paid XXXX and XXXX allowed me to resume services once I paid the {$180.00}. I have informed all XXXX bureaus that 1. I never received a bill from XXXX and 2. I settled the debt directly with XXXX for {$180.00}. The bureaus claimed they investigated and still found in favor of 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 2022-08-12
Company: Experian Information Solutions Inc.
State: NH
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:
Recently, I noticed that my credit score dropped by XXXX points. ( XX/XX/XXXX ) I have had a score of over XXXX for 20 years. The reason given was that I was late on a payment for XXXX card. I disputed this with Experian, XXXX XXXX and XXXX. I sent a dispute request to all 3 companies. 

Today, XX/XX/XXXX I recieved an reply from Experian that my dispute was denied. However, they oncluded a report that under status reported " Paid, Closed/Never Late '' copy is below. 

I was hoping to buy a house, but those plans are on hold given the drop in my Credit Score. I believe that if the Credit Reporting companies should be required to notify someone in advance of dropping their score by XXXX points. Especially in light of the erroneous information. 
XXXX Good opens fico registered score tooltip XXXX XXXX/XXXX/XXXX Changein score by negative value Key factors affecting your score : What's helping No serious delinquency What's hurting Number of missed payments Your FICO Score compared to U.S. average by age : YOU ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your FICO Score History GraphScreen reader users switch to table view Table Graph Legend 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 XXXX Want to take a closer look at your credit information? For a free copy of your credit report, go to XXXX Opens in new window. 




Report Number XXXX Date Generated XX/XX/XXXX Before After Your information may have changed since XX/XX/XXXX Account info Account name XXXX CARD Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$25000.00} Highest balance {$6500.00} Terms NA Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments XXXX Closed

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 2018-03-18
Company: Credit Plus Inc
State: MA
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 XX/XX/XXXX my credit report is showing inquiries from CREDIT PLUS company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of company - CREDIT PLUS Date of Inquiry Type of business XX/XX/XXXX CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation