BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-09
Company: Early Warning Services, LLC
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent a dispute letter to XXXX XXXX XXXX to have a false and misleading account removed from my credit. On XX/XX/2021 I called XXXX XXXX XXXX because I had not heard anything from the agency about that dispute since the letter was sent. A representative told me that the investigation process had not been started and that she'd have a manager reach out to me. A manager reached out to me XXXX  days later and then I was sent a letter via email stating that the account wouldn't be deleted even though they were in violation, failed to perform an investigation in the fair allotted time frame according to US law of XXXX days, and at fault. 

This agency is violation of several laws according to the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) ( A ), Section XXXX unfair and misleading reporting, and violation of XXXX U.S.C. XXXX. I sent a third and final letter to XXXX XXXX XXXX on XX/XX/2021, as per this complaint the account is still on my report. According to XXXX XXXX XXXX the agency that reported the negative on my credit was to notify me within XXXX days after the initial communication in connection with the collection of any debt. They failed to notify me, as the original creditor, only I can validate the debt. However, I do not validate the debt. Therefore according to all of the above referenced law breaking violations, I want this account removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX XXXX is intentionally violation the FTC FCRA rules by intentionally reporting balance inaccuracies to the credit bureaus. I have disputed the balances and the status of the account multiple times and XXXX returns with a difference balance that they intentionally know is incorrect in order to impact my credit. The account is reporting in a charge off status, each month they report the account as a charge off, however, the balance is incorrect, the date of initial delinquency is incorrect and the account is managed/sold to XXXX XXXX, who contacts me about the balance.

Per their website the balance remaining on my account is {$14000.00} as of XX/XX/XXXX. The terms is reporting as 73 months and not 72 months per my XXXX statement. I disputed the balance in XX/XX/XXXX and they returned stating the balance is {$21000.00}. I disputed the balance again in XX/XX/XXXX, on one credit bureau report they stated " Account charged off. {$24000.00} written off. {$21000.00} past due as of XX/XX/XXXX '' to XXXX. The statement of {$24000.00} being written off is a factual inaccuracy and it is the obligation of the creditor to report factual information or delete, update or remove the account.

Per my Deficiency letter dated XX/XX/XXXX, the vehicle was sold for {$10000.00} with all of their fees the deficiency balance is {$17000.00}. Again, this was dated in XXXX which means all of the reporting after XXXX with the inaccurate balances was based off of inaccurate information from XXXX. An intentional effort to report false information and a clear example of XXXX failing to abide by the FCRA rules.

Again, I have disputed this account for years, at each attempt at disputing the balance is returned with a different amount which is in violations of the FTC FCRA 623 ( b ) ( 1 ) which states If a CRA notifies you that a consumer disputes information you provided, you must : investigate the dispute and review all relevant information provided by the CRA about the dispute ; report your findings to the CRA ; provide corrected information to every CRA that received the information if your investigation shows the information is incomplete or inaccurate ; and modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: ID Analytics, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX was contacted with written request and proof of identity in regards to consumer report and freeze on the XXXX th and again on the XX/XX/XXXX also have left several messages via phone and faxed request as well no communication or evidence of issue 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 explanation
Consumer complaint received 2019-04-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received the attached correspondence from Wakefield & Associates regarding a medical collection from original debtor of XXXX XXXX ( XXXX ) in the amount of {$60.00}. The attached Word document contains screenshots of the XXXX XXXX XXXX XXXX which shows I do not owe any debt and shows my payment from my XXXX account on XX/XX/2019. I contacted a Wakefield & Associates agent on XX/XX/2019 to inform him that this debt had already been paid but during the conversation the agent proceeded to tell me I owed more that what the attached correspondence showed ( recording attached ). I informed the agent that the only billing I received from XXXX XXXX was in the amount I paid but the agent persisted to which I invoked my right to tell the agent to cease and desist collection efforts. Again the attached Word document confirms that I have a XXXX balance and the XXXX XXXX billing agent states they received my payment but it was not credited to my account. This account should have never been in collections and therefore there should be XXXX entries on my credit report from Wakefield & Associates. I am hypersensitive to any negative credit reporting because my credit score has already been severely damaged due to identify theft. To date I do not see collection reporting from Wakefield & Associates but if there is I will immediately pursue litigation to include monetary damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: WELLS FARGO & COMPANY
State: CA
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:
On XX/XX/18 I went to the Wells Fargo website to research auto loans. I put in my name. It asked if I was a member of Wells Fargo. I said yes. I did not enter any other information. I clicked the cancel button and closed the page. I later got a letter and an email saying they checked my credit score as part of a loan application. I did not apply. They checked my  credit without my authorization.

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 2017-12-03
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
To whom it may concern : This complaint is in regards to a promotional offer for an Starwood Card offered by American Express. An offer was sent to me in XX/XX/XXXX that I qualified for that would allow me to receive XXXX Starwood Preferred Guest  ( SPG ) points for {$1000.00} spending for each authorized user I add to my personal card account, up to four, for a maximum of XXXX SPG  points potentially awarded, starting in XXXX of this year. 

I added my wife, my father and mother, and my sister to this card in XX/XX/XXXX, and met the appropriate spending to each card inXX/XX/XXXX. I however only received the bonus for my wife, and not the bonuses for my father, mother or my sister 's authorized card use. 

I have contacted American Express on four separate occasions ; three times using the online agent feature in XXXX through XXXX, last onXX/XX/XXXX, and once by telephone XX/XX/XXXX. After my second online agent discussion, I was told my concerns would be forwarded to their " rewards team '' After today 's online and telephone discussion, I was again told that my concerns will be forwarded for investigation. No timeline was given other than weeks. 

I have met the terms and conditions for this offer - I do n't think any agent has expressed to me otherwise that I have not. I expressed concerns that previous promises of escalation and investigation have not lead to results. I have not received any direct correspondence about any investigation from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I initially received an email from the Carrington representative indicating items to address on my credit. Upon receipt of the email, I spoke with the FD Carrington representative and indicated I did not submit the credit check authorization on the website. I explained that I exited from the webpage prior to hitting the submit button. The representative proceeded to inform me that the system does that and does not tell you it was submitted. Therefore, I did not give permission for the company to run the credit check for a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a personal line of credit in the amount of {$5000.00} to make repairs to my home. I used USAA 's online application and was denied. The reasons cited were serious delinquencies on my account, which is incorrect. I do not have any outstanding balances on my account. There is a Bankruptcy from XX/XX/2014that was dismissed when I became unable to work, however, the small amount of debt that was placed in the Bankruptcy has since been paid when I began to receive my XXXX  payments. The bankruptcy was filed to save my home and all my accounts are in outstanding condition. Therefore, I believe that USAA is using incorrect information. I called and asked to speak with a senior representative and have gotten nowhere. I have banked with them for over 15 years and have not burned them on any payments or been delinquent on anything ( automobile insurance ) or checking account. I do not have a bankruptcy account listed with them and am just baffled about how they are getting this wrong information. My application was unfairly declined. I wand someone at the corporate level to relook at my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received phone calls and correspondence from a collections company ( Credit Corp Solutions ) attempting to collect funds for an account associated with one of my emails. I never created or opened an account with the source company ( XXXX ) with that email and have confirmed that with XXXX. I have submitted a fraud affidavit and am taking needful alert steps on my credit report. It's a small amount. This entire situation doesn't seem to make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
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: Their investigation did not fix an error on your report

Complaint:
Please reverse the late payments reported for this particular account: XXXX XXXX XXXX The account was never past due, i never made a late payment to this company ever please change this , i have a good relationship with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in a forbearance lost my job my tenants didnt pay rent for 18 months been trying to get a deferral on my payments since XXXX they keep telling me i didnt turn in documents which i did over 10 times tried paying back payments denied to take my money the day after sent default letter than canceled it they said, then said 30 days pay stubs when XXXX ran out then said i needed letter for bank account i didnt have and wanted proof of rent my receipts wasnt exceptable then spoke to management gave me her word foreclosure was placed on hold next day was in foreclosure they canceled my forebearance put me in foreclousure while in forbearance and said they couldnt locate forebearance they are throwing me around when this could of been resolved back in XXXX now im 8 months behind have a job tried setting up repayment plan say i cant because foreclosure status im scared of losing my house i have alot of equity in home and believe they are doing this to gain my equity can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MY MORGAGE COMPANY CARRINGTON MORTGAGE SERVICES SENT ME A LETTER ON XX/XX/2021 THAT I HAD NOT MADE MY MONTHLY PAYMENT. i HAD SENT THE PAYMENT ON XXXX XXXX 2021 I RECEIVED THE LETTER THAT STATED I WAS PAST DUE AND THAT IF DID NOT MAKE THE PAYMENT BY XX/XX/2021 I WOULD BE CHARGED A LATE FEE. THE CUSTOMER SERVICE ADVISOR STATED THAT THE STATEMENT COUPON WHICH WAS SENT OUT HAD THE OLD ADDRESS IN ARIZONA. THE LATE LETTER SHOULD NEVER BEEN SENT OUT IF THEY KNEW THAT THERE WAS A PROBLEM OF THEIR MAKING. I FEEL THAT THEY WERE JUST TRYING TO PROFIT OFF OF THEIR MISTAKE.BY COLLECTING THE LATE FEE. 

I THEN RECEIVED MY ANNUAL ESCROW DISCLOSURE PAYMENT. i WAS INFORMED THAT I HAD A ESCROW SHORTAGE OF XXXX. THE LETTER STATEED, '' IF YOU CHOSE TO PAY THE ESCROW SHORTAGE IN FULL IN A LUMP SUM PRIOR TO YOUR EFFECTIVE DATE. YOUR MONTHLY PAYMENT WILL BE REDUCED BY THE MONTHLY SHORTAGE PAYMENT AMOUNT. '' ON XX/XX/2021 I RECIEVED MY STATEMENT FROM CARRINGTON TOO MY SUPRISE THEY HAD NOT REDUCE MY PAYMENT. WHEN I CALLED THE SERVICE REP STATED THAT I HAD TO CALL AND REQUEST A NEW ESCROW ANALYSIS THAT IT WASNT DONE WHEN THE RECIEVED THE PAYMENT. I FEEL THAT THIS IS FRAUD WHERE CARRINGTON IS TRYING TO COLLECT MONEY THAT IS NOT OWED TO THEM. A SIMPLE SENTENCE THAT STATED THAT U HAD TO CALL AND REQUEST THE NEW ANALYSIS IS ALL THAT IT WOULD TAKE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: FIFTH THIRD FINANCIAL CORPORATION
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 set up a payment arrangement with the credit card company. Please report accurately on the credit report that the account is getting paid as agreed. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Bread Financial 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 information incorrect

Complaint:
XXXX XXXX, I had loveloft credit card ( that I have never had one ) I wish to call your attention to an issue regarding my loveloft credit card that I have till this day never received. I received a statement onXX/XX/XXXXregarding payment of a bill of {$300.00}.

While I was shopping for I was approached by one of the sales representative who adviced me to apply for a credit card which required my social security number.

While I was shopping for a necklace which is XXXX  $ and earring : XXXX  $ .during XX/XX/XXXX summer ; l havent received any call, any notice bill, any email.bank and loft company didnt communicate with me.

I m surprise to see the XXXX  $ bill. Still this date I have not received any credit card supposedly applied for.

I m shocked to receive this bill, I cant effort to pay this money that I m willing to pay necklace and earings ... I dont recognize this exorbitant bill.

I called XXXX XXXX where is located at OHiO, customer representative even didnt listen to me, while I was complaining about situation, she started yelling at me and insisted that I have to pay cuz its too late I already rang them over the phone she threatened me in ugly way cuz of I was looking for a number to call ..how come you can insult someone just because I had a call? I even dont know where is my credit card its effecting my credit score! I need urgently to understand and whats going on ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Experian Information Solutions Inc.
State: OR
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:
Experian was sent a letter dated on XX/XX/XXXX to remove and delete the following account from my credit report. 

Original Creditor : XXXX XXXX XXXX, Original Account Number : XXXX Opened : XX/XX/XXXX XXXX Account Number : XXXX Current Owner : XXXX XXXX XXXX This account was a charge-off reported on XX/XX/XXXX. Experian completed a investigation on XX/XX/XXXX instead of deleting this account as requested, Experian added a 2nd charge-off to this account on XX/XX/XXXX. This is inaccurate representation of personal financial information by Experian. It's inaccurate to have two charge-offs on the same account when this account has been deleted from the owner of the account who is XXXX XXXX. 

This account was charge-off and sold to XXXX XXXX on XX/XX/XXXX. Please see the attached letter from XXXX XXXX dated on XX/XX/XXXX deleting this account from my credit report from all 3 credit agencies.

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 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2018-03-27
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This was a collection account on my credit report that i wrote/called in to have validated. It is my understanding that this company ( XXXX XXXX ), is not suppose to continue pressing me for the money until dispute is resolved. They have called several times and even demanded that i produce a " student identification ''.

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