BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 sent a letter over thirty days ago asking for methods of verification to credit bureau and creditor I have received no response from either.

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 2023-06-11
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:
The XXXX XXXX XXXX XXXX started reporting negatively on my credit report XXXX of XXXX, had XXXX  XXXX  XXXX virus. Again on XX/XX/XXXX they reported negatively on my credit report and against n I had XXXX XXXX. I call on both occasions to prevent negative credit reporting during this time of unrest and as stated in the COVID 19 CARES ACT. My problem is I called both times and both times I was told dont worry since I called in they will make note and it should not go against me. Well it did and it has effected me negatively with adverse credit scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Experian Information Solutions Inc.
State: PA
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:
My credit report was pulled and I have over 10 inquires without my authorization or knowledge. I have contacted experian to dispute the validity of the inquires that were not made by me and to provide me with documentation that I authorized this credit inquiry. Experian responded back on XX/XX/18 stating by federal law my personal credit report must list all organizations that have requested my credit history when I wrote them to dispute I did not authorize my credit to be pulled and to show me a signed application.

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 2019-08-25
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There are 2 Collection on my credit report. 
Jefferson Capital Syst XXXX XXXX XXXX XXXX XXXX XXXX I settled with Jefferson Capital on XX/XX/19 I sent a copy to to XXXX XXXX and to XX/XX/XXXX Showing it was paid but its still on my credit report and it shouldnt be

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-03-13
Company: Opportunity Financial, LLC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Got a small installment loans. They raised their interest rates and added different fees resulting in me not being able to pay for it. This is now affecting my credit score because this is now closed and charged off in the amount of {$1100.00}. I tried contacting them multiple times to fix this issue but did not get anywhere this this company.

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 2023-06-11
Company: Experian Information Solutions Inc.
State: LA
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:
The Creditor XXXX XXXX XXXX  is not licensed to collect a debt in the state of XXXX  per the nmls consumer access they are not the collector of a debt that start with XXXX XXXX XXXX the moved to XXXX XXXX XXXX then moved to this office but XXXX XXXX XXXX is reporting negative collections on my credit report when I call number listed on Experian XXXX XXXX XXXX states they no longer have my file and they can not access my records and I need to call the law office of XXXX XXXX XXXX XXXX. So if this law office has my file how are you legally reporting information to Experian and XXXX and how is XXXX and Experian verifying a debt that is no longer being reported to your office how was this debt for national credit verified and validated if another collection agency has the same account after reading so many complaints about this law office and national credit system I dont understand how an full investigation on their collection tactics and bad business practices by XXXX XXXXXXXX XXXX and the reporting agencies such as Experian and XXXX have be investigated for failure to comply with the FCRA requirements and laws Might I added supporting stated a balance of XXXX when I began to dispute the balance as Inaccurate and incomplete which is violation of 15 usc 1681 questioning why is XXXX they sent a document with added a fee on XX/XX/2022 of XXXX as a collection fee. I also spoke to XXXX XXXX XXXX contact XXXX at XXXX XXXX of XXXX XXXX XXXX pc she supplied me with his email bc she was also confused as where the additional XXXX was added from I sent multiple emails on my concerns and there was no response i later called back and she was very unconcerned and ready to Release the calls when I pointed out the violation of the FCRA laws bc it was time for them To leave for XXXX  Day weekend instead of attempting to Right what has been done wrong to my rights to a fair and complete and accurate credit report Per the Nmsl consumer access website

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 2023-01-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
there was a problem with charges with my 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 2019-08-25
Company: SYNCHRONY FINANCIAL
State: MS
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:
I was not aware of the companies pulling my credit. I offered to give them my credit score and they still pulled my credit without my permission.

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 2019-11-01
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Written " Reduced Balance Opportunity '' on a debt which is not valid. Misrepresented debt as current and valid.

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 2023-01-19
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom It May Concern : I am writing to express deep frustration and lack of communication on behalf US Bank regarding a hold or freeze on all my accounts. The bank never communicated this hold to me so I did not learn of it until Sat. XX/XX/XXXX when I went to use my debit card and it would not go through. Since then I have made several phone calls to the bank, both nationally and locally in attempts to figure out what is going on. Every banker tells me I can only speak with the e-fraud dept., specifically with a person named XXXX. Contact details for the e-fraud dept. are hard to come by and XXXX has not answered her phone. I've left two voicemails. 

What I have learned through my many phone calls to the bank is that XXXX in the e-fraud dept. put a hold on my account Fri. XX/XX/XXXX before she left the office for the weekend without telling me. Therefore, I have not had access to my money since the evening of XX/XX/XXXX and have not been able to get a hold of XXXX and was told from US Bank that no one else could help me but XXXX in the e-fraud dept. Come Monday, a normal bankers working hour, and she has not contacted me or returned any of my phone calls. Some bankers tell me XXXX was prompted by my local bank branch to put a hold on my account, but when I call the local bank, no one knows anything about the situation. 

I do not think it is right for the bank to put a hold on my money without conversing with me. I also do not appreciate the long duration of no communication. While I understand people to be busy with multiple business concerns, this is not an acceptable excuse to not give me access to my money without contact. You are an institution housing my money. While I appreciate the service I worked for my money and do not appreciate being blocked from it, especially without explanation. 

I am looking to hear back and quickly please as I have no access to my money for general living expresses, much less to have any fun. 

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 2020-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 have never been in activity on this account or another account not consistent with capital one expectation or customer agreement. I called and ask can I get some type of help cause my payment was impacted by Covid-19 and they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: IL
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:
Experians dispute results : Report Number XXXX, on XXXX verified and validated that the day of first delinquency was XX/XX/XXXX for my XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Confirmation XXXX XXXX, verified and validated that my XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX re-aging the account by reporting the incorrect date of first delinquency. Now two years later they have move up the day of first delinquency to XX/XX/XXXX. This is incorrect information and both credit reporting agencies and XXXX XXXX XXXX refused to investigate properly and correct the erroneous information.

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 2023-07-10
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When my ( XXXX ) son died, the XXXX paid out his life insurance to his beneficiary ; me. I took 98 % of that money and bought this home ; the amount that I paid out was the cost of the home. But, I still had to pay : fees etc. so, I took out a small loan. Right after my son died, XXXX started, then I lost my XXXX benefits ( just got that back XX/XX/2023 ) then had to close down my small business. I applied for the Care Act Deferral Program through my mortgage company. That ended in XX/XX/2023. Since XXXX I have tried getting ahold of the person who has my loan file. At the end of XXXX I finally heard from her. They are trying to raise my monthly payment amount claiming taxes went up, but when I spoke to my local tax department, my mortgage company has never paid my taxes. They are over charging on interest and will end up getting x4 the amount at the end of my loan. They are saying that I have to pay all past payments, fees, etc in one lump sum in order to not be foreclosed on, yet under the terms of my federally funded loan, they are not supposed to do that and they are also not to charge any late fees etc if I was apart of the deferral program and I was. When calling their customer service line they are mean and play games like telling me the specific person who holds my file there doesnt work there and never has. I can keep going but I think this is long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: Resurgent Capital Services L.P.
State: TN
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:
I have asked this place to remove the account info from my credit. LVNV XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX They will not remove this and it has been paid in FULL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: GATEWAY FIRST BANK
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for re-financing with my current mortgage company at my current residence back on XX/XX/2020. It has been one delay or surprise after the other and often I am the one doing ALL the follow up. Delays include documents going into someones spam ( or so they claim ), them trying to push the responsibility of finding HOA documents on me, delayed and/or inconclusive responses to my email inquiries and also big surprise half way through the process that my mortgage is being sold before I close. I won't go into too many more details here but I have many emails documenting my claim.

It has been almost 60 days now and my life has been in the balance. I haven't been able to make any major purchases, takeout a new credit or other for going on 5 weeks now plus all uncertainty and during this time is is causing me a lot of grief and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
I have a AMEX card that came with a points bonus for spending so much money within a time frame. However after two months without getting my bonus points I am fed up.I have called and spoke to reps online to no avail ... I keep getting the same answer that they are having technical issues, which is XXXX. I completed my end of the contract but they are not honoring there part of the contract, this is a classic breach of contract. My most recent contact came today ( XXXX/XXXX/XXXX ). I completed my end of the contract in XXXX and I should have gotten the bonus at the end of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX is the mortgage holder of my mortgage currently. They have held funds in a suspense account and applied them late which shows a late report on my credit. I called to find out why and demanded that the issue be corrected. I have not made contact with an account manager on this. The inaccurate reporting hit the bureau within the last three weeks. I need this corrected as soon as possible. The late hit is negatively affecting my scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-20
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received a notice from the ORIGINAL creditor which was XXXX XXXX XXXX. My insurance covered the visit and the amount billed to me was incorrect. I talked to someone over the phone and said the bill was fully covered through my insurance. Months later I got an email from XXXX XXXX stating I have a collections account from XXXX XXXX audit for {$68.00} which is only reporting through Equifax. This contract was CANCELLED and this collection company does NOT HAVE A CONTRACT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX, XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX Dear Credit and early earning services, THIS IS A FRAUD ACCOUNT NOT OPENED BY ME XXXX Contributors-XXXX XXXX-Alabama Account number-XXXX Routing # XXXX SECOND FRAUD ACCOUNT- Consumer ID # XXXX Contributors-XXXX XXXX XXXX Account XXXX Routing # XXXX FRUAD EMAIL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: ALLY FINANCIAL INC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm interested in removing escrow from my mortgage with Ally bank. I reached out to them via secure message on XX/XX/23 and have been back and forth with them for over a month. My most recent message came on XX/XX/23. They denied my request and when I ask to see where in my loan documents it says that I can not remove it, they send over a form that actually says : " you may be able to remove escrow '' and has my escrow account option checked as " for now ''. 
I've tried speaking with them on the phone on XX/XX/23 and they refuse to send me the conditions for removing escrow or the form from my loan documents that says I can not remove it. 
If there was a form that I signed that said that I could not remove escrow, I will be satisfied. Since they haven't provided that, I think their denial is for the benefit of their company 's finances. 
Thank you for your help. 
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 2023-03-09
Company: Exeter Finance Corp.
State: TN
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:
I the natural person did not authorize OR granted my permissible written consent to your company to pull my consumer report and neither did you provide me a consumer financial product or service pursuant to Title 12, United States Code, section 5841 ( 15 ). I demand your company immediately purge and delete the unauthorized inquiry from my credit file before ligation.

Company response to consumer: Closed with explanation