BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-30
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
Hello CFPB, On XX/XX/20 I spoke with America Express Customer service in regards to my Bill Auto pay. At the time we updated my auto pay billing account number. The rep stated that it was all done and to expect email confirmation. After I received the email confirmation the customer service rep and I finished the conversation and moved on to my second American express account where she updated the same account details aforementioned. As a surprise on XX/XX/20 I received an email from American express stating the below : Important Account Status Notice of Account Cancellation Your Account ending in XXXX Log in to Manage Your Account Online Dear XXXX XXXX XXXX : We are contacting you to be sure you do not have any surprises when you try to use your card. We wanted to let you know we have had to make the decision to close your account listed above. 

Please tell any Additional Card Members on this account of this change so they do not have an unexpected inconvenience when attempting to use the Card.

You should also destroy the card ( s ) and any convenience checks you may have for the account ( s ). 
If you have any recurring charges on these accounts such as cell phone charges, please contact that company immediately to ensure your other bills do not go unpaid. 
You will also receive this information by letter, but we wanted to be sure you were aware of this change as soon as possible. 

Sincerely, AmericanExpressAccount Services View Our Privacy Statement | Add Us to Your Address Book This is a customer service e-mail fromAmericanExpress. Using the spam/junk mail function may not block servicing messages from being sent to your email account. To learn more about e-mail security or report a suspicious e-mail, please visit us atamericanexpress.com/phishing. We kindly ask you not to reply to this e-mail but instead contact us securely viaCustomer Care.

2020AmericanExpress. All rights reserved. 

I contacted American Express to express my frustration in regards to their decision, after, I updated my account details they cancelled my account even though I showed my intentions to continue to pay my balance by updating my bank auto pay information. I don't believe is fair to me as a customer to have to pay the balance without the benefits of having the account anymore and the negative impact that it will cause to my credit score once this account is reported to the credit Bureau. I am asking for the creditor to evaluate my account and attempt to reinstate it as I believe is the most logical thing to-do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/XXXX I sent letters to XXXX, Equifax and XXXX regarding a account by the name of XXXX XXXX  Account Number XXXX this account was opened in XXXX and XXXX XXXX XXXX was opened in XX/XX/XXXX with Account Number XXXX. These 2 accounts are over 7 years old and I need them to remove them from my credit report. The bureaus have not answered my letter and they had over 30 days to answer or they had to delete the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Lendmark Financial Services
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX Lendmark Financial Services reported onto all of my credit bureaus in the amount of {$2600.00} as a derogatory account. I have no knowledge of this company and believe it to be fraudulent as I was part of the XXXX  breach and had my information stolen. I have reported this to all three credit bureaus through dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX to no avail. I still have not received a single piece of paper from either Lendmark or any of the credit bureaus about this issue. Are they in league on this or what exactly is going on here?? I demand that this issue is resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, INC.
State: MA
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:
Equifax, has received my credit card utilization 3 times in the month of XXXX from XXXX XXXX and each time has reduced my XXXX  score significantly. I have no other conclusion but to feel harassed and that XXXX XXXX is feeding Equifax with such information. Dates my credit card purchases, payments were reported during XX/XX/2020, are : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, neither are in line with my billing cycle and both companies blame the other. 

In addition, Equifax has reported a 120 day late payment on an US Dept. Of Education loan as being 120 days late during the pandemic, reported from XX/XX/2020, when currently are payments to student loans are suspended and interest rate is at 0 %. why did it take them until XX/XX/2020, coincidentally when I started to try to repair my credit to report a 6 month old payment. 

Lastly, There are two accounts that I asked be VERIFIED, XXXX and an collection account in the amount of {$670.00}. Not only will they not provide information to validate these accounts to me directly, they keep reporting such information as accurate. Validation requires Equifiax to provide my signature on documents that show my agreement to pay both companies, when the account was sold to collection, the date, amount it was sold for and proof that I owe said company. Equifax failed to validate both accounts in 30 days.Validating both accounts and removing them would increase my XXXX score significantly and their failure to do so, would explain their reluctance. Also, they changed dates on both of thee accounts, so that they remain on my credit report longer. Equifax recently changed dates to XX/XX/2020, these dates enable them to keep negative items on your report longer than 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The account with Wells Fargo is not showing paid as agreed due to the agreement with the company after payment in full was made still reads wrote off. Now I want it removed

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 2023-04-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX Card : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Card : XXXX XXXX XXXX XXXX, has violated my rights.

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
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:
MACU has recently breached their own written agreement to remove all late payments of XXXX. The reporting of the late payments of XXXX  have now been reported back on to all credit reporting agencies this month of XXXX after reviewing my credit report. This breach is a violation and therefore I am requesting the removal of all credit reporting with all the credit reporting agencies in order that this occurrence doesnt happen again in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Company: EQUIFAX, 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 recently submitted a complaint to Equifax and XXXX on XX/XX/2019 regarding my XXXX XXXX XXXX  - partial account number XXXXXXXX wherein I am listed as an authorized user. ( Please see page 4 of the attached credit report. ) This complaint was filed in error. I am wanting to continue to be an authorized user on this account. Please disregard the earlier complaint filed on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-03
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:
No!!! 
They didn't address none of my issues!!! 
I have police report for the fraudulent use of my personal information. This particular increase did not pertain to me that inquiry range of from XX/XX/2017 to XX/XX/2017. 

This is illegal for anyone to apply for credit using my information. I want proper verification for the use of my personal information. This company has sold my information to a company for profit against my consent ... 

Noting was done to resolve this.. I request probably removal of all increase in this range. Because my information was used illegally ... 

Police Report # XXXX XXXX Police We understand that they do not want to remove because they recieved money for selling my personal information. But I was not informed on the use of my identity. 


Recently received email saying complaint closed. They haven't provided any proof of verification they are just saying they had permission. But if you didn't get information from me personally then it is illegal to sell my information for profit with out my approval, permission, or request. Therefore this information is totally false! 

After speaking with creditors they haven't attempt to even gain the information need to even prove this claim. They just taking it upon themselves to say its verify with no contact to creditor nor any documentation to prove they had the right to sell my information!!! 


I will like to Opt out any promotional programs that they use to sell my information with out my content. Take me off this listing because I've never agreed to this use. 

I demand immediate removal of all inquiries and false accounts from my statement

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 2023-11-22
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt was sold from LVNV Funding to XXXX XXXX LVNV funding is no longer responsible for this debt and it should not be reported to my credit. I requesting to have this removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Upon acquiring my residence on XXXX  Guaranteed Rate served as our mortgage broker, providing a 30-year fixed-rate mortgage at 2.75 %, amounting to {$2100.00}. Subsequently, on XXXX our loan transitioned to Carrington, adjusting my payments to {$2400.00}, comprising Principal & Interest ( {$1600.00} ), Escrow Payment ( {$600.00} ), and a concerning Shortage Payment ( {$170.00} ). 

The unexpected increase of {$280.00} to my mortgage, prompts suspicion. In XX/XX/XXXX, notification of a XXXX XXXX surplus refund arrived, altering the mortgage breakdown to Principal & Interest ( {$1600.00} ) and Escrow Payment ( {$390.00} ), totaling {$2000.00}. This structure persisted until our XXXX XXXX XXXX  statement, which billed {$2400.00}. 

Despite possessing a ten-year tax abatement, efforts to rectify discrepancies have proven futile. Visits to the tax office yielded no filing errors. I seek expeditious resolution and clarity amidst a poor experience of being transferred and encountering evasive responses. If needed I can provide all the escrow analysis statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: FL
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: DigniFi
State: NV
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:
The account was opened fraudulent. Only reason I had knowledge of it is because it started reporting to my credit reports at the time of me trying to buy a house. I was getting denied because there were high limit credit cards opened in my name but not authorized by me! Fast forwardpaid the account of request it be closed due to fraud and the account was never closed at my request. Fees started to incur and the account was allowed to be negative for 3 months after my request. Incurring 3 months of late fees and bad credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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:
Since XX/XX/2022 Portfolio Recovery Associates , LLC ( XXXX, XXXX ) has been reporting unverified alleged debt to my credit report without my written consent. PRA, LLC has sent statements of account ( securities ) via mail ( non-registered mail ) as validation. PRA, LLC continuously fails to verify by sworn statement & signature ; therefore reporting inaccurately and hindering my likeness & creditworthiness to other creditors since XX/XX/2022. It has been interfering with my livelihood. PRA, LLC has been fined by the CFPB furthering my case of inaccurate reporting, harassment, unfair debt collection practices. FTC complaint number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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 had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2020-11-30
Company: BARCLAYS BANK DELAWARE
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Barclays Bank has incorrectly posted a 30 day late on my credit and Ive tried everything possible to get them to fix their mistake and every time I have called they have transferred me around from agent to agent, with some calls lasting hours and every time they say it will be looked into and corrected, it never happens! I can not take hours out of my work day waiting for one of their representatives to pick up my calls - and when they finally do, I either get passed around from person to person or simply hung up on. 
Im sure Im not the only one that has had problems with Barclays service. Their repeated failures have had a grave effect to my perfect credit history and is both effected my construction business ( Im not able to open any credit accounts for building materials ) as well as my ability to refinance my home like the majority of Americans have done to take advantage of favorable interest rates. 
I hope your organization can help me ( and others ) who have been forced to suffer at the incompetent hands of Barclays Bank. 

Thank you 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 2023-04-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed the debt with XXXXXXXX XXXX according to the FCRA laws Section 1681 ( i ) a, I heard that you have to provide proof of this debt, if you can't provide proof of the accuracy of this debt it has to be deleted. There are inconsistencies with balances and dates between the reporting of this debt on XXXX and Experian. I can't get validation to the accuracy of the debt amount. I am suppose to be provided the info to how much the vehicle sold. I have not obtain any written proof to challenge the debt and its validity. The credit bureau sided with the company without adequate proof.

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 2020-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
XXXX, has received my credit card utilization 3 times in the month of XXXX from Capital One and each time has reduced my FICO score significantly. I have no other conclusion but to feel harassed and that Capital One is feeding XXXX with such information. Dates my credit card purchases, payments were reported during XX/XX/2020, are : XXXX, XXXX and XXXX, neither are in line with my billing cycle and both companies blame the other. 

In addition, XXXX has reported a 120 day late payment on an US Dept. Of Education loan as being 120 days late during the pandemic, reported from XX/XX/2020, when currently are payments to student loans are suspended and interest rate is at 0 %. why did it take them until XX/XX/2020, coincidentally when I started to try to repair my credit to report a 6 month old payment. 

Lastly, There are two accounts that I asked be VERIFIED, XXXX and an collection account in the amount of {$670.00}. Not only will they not provide information to validate these accounts to me directly, they keep reporting such information as accurate. Validation requires XXXX to provide my signature on documents that show my agreement to pay both companies, when the account was sold to collection, the date, amount it was sold for and proof that I owe said company. XXXX failed to validate both accounts in 30 days.Validating both accounts and removing them would increase my FICO score significantly and their failure to do so, would explain their reluctance. Also, they changed dates on both of thee accounts, so that they remain on my credit report longer. XXXX recently changed dates to XX/XX/2020, these dates enable them to keep negative items on your report longer than 7 years.

Company response to consumer: Closed with explanation