BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: Shellpoint Partners, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I just had this issue opened. Shellpoint removed from XXXX credit report and now Today I was just alerted it was added to my XXXX report. This Mortgage needs removed immediately from all credit reports and not to be added again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: EQUIFAX, INC.
State: GA
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:
Dept of ed. {$63000.00} Tax lien {$82000.00} XXXX XXXX {$1800.00} Tax lien XXXX {$430.00} Tax lien {$13000.00} On several attempt I have contacted the bureau to investigate these account due to the being fraudulent account and or doesn't belong to me. I have asked that they investigate them and sen me supporting document and not just say that the account was verified as that is what happened. The felled to comply and send supporting document as I feel sas if the account may not have been investigated properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On Thursday, XX/XX/XXXX I opened a Square account in order to process a credit card payment from a VA Contracting Officer. The payment was for a successfully completed contracting job where I was building a website in order to help a VA physician run a study. I created the Square account using accurate information about myself and linked my bank account. The total amount of the payment was to be {$3800.00}. On the XXXX, I spoke with the Contracting Officer on the phone and he gave me the credit card information to be entered for the transaction. I put the transaction into Square, and thought that would be it. However, later that day XXXX XX/XX/XXXX ) I received an email saying that due to unusual transactions transfers were being suspended on my account. The email linked me to a Square website which prompted me to upload several documents in order to verify my identity and the legitimacy of the transaction. I provided all requested documentation. I linked my bank account through Plaid, sent a copy of my driver 's license, and even uploaded a copy of the signed invoice with signatures from both myself and the VA physician with whom I had been working. Two days later, on Saturday XX/XX/XXXX I received an email informing me that my Square account had been deactivated and that my funds would not be released until XX/XX/XXXX. They told me that Square would not be able to " meet my business needs at this time '' and that the decision was final. When I attempted to contact Square customer support on the phone, because my account was deactivated the system did not allow me to speak to a human being. I sent them an email message from their support website which was also unanswered. My business did not and does not violate the business that they say are allowed, and the singular transaction that I processed was completely legitimate. They gave no information as to why my account was deactivated, and it has been impossible for me to determine the cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: CO
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 XXXX, loan number XXXX, reported to Experian that my account was 30 days late in XX/XX/XXXX, this reporting is inaccurate. I was on a hardship plan for XXXX and XX/XX/XXXX, see attached. XXXX XXXX XXXXXXXX wrongly returned my XX/XX/XXXX payment when funds were deposited, see attached deposit slip. As stated by a XXXX XXXX representative to the XXXX  on XX/XX/XXXX, the payment for XX/XX/XXXX was put to the back of the loan, it was deferred, see XXXX  letter. However, when I found out XXXX XXXX XXXXXXXX returned my XX/XX/XXXX payment to XXXX XXXX, I called XXXX XXXX. On XXXX/XXXX/XXXX I was informed by XXXX XXXX they were not going to put my payment through again, I asked customer service representative, XXXX to take my payment for the returned XXXX payment. The payment made to XXXX XXXX on XX/XX/XXXX for {$1400.00} was for XXXX and XX/XX/XXXX, I added extra money to get my loan amount down, see attached. Please note on the XXXX XXXX response to my XXXX  complaint, XX/XX/XXXX XXXX XXXX stated that I paid XXXX payment on XX/XX/XXXX, when in fact I called in a payment to XXXX on that day for my XXXX payment that was returned. XXXX XXXX contracted themselves, they state in the XXXX response that XXXX payment was put to the back of the loan, which was correct then they assumed that my XX/XX/XXXX payment went for XXXX. Also, XXXX payment was deferred, see hardship agreement attached. XXXX XXXX is not to report me late in XXXX or XXXX, I am enclosing my Experian report where it shows the inaccuracy, XXXX  response from XXXX XXXX, XXXX XXXX XXXX payment history for the late in question, XX/XX/XXXX, XXXX XXXX own payment history of my loan, XXXX XXXX XXXX deposit slip, hardship agreement.

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 2018-01-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In XXXX of 2017, I started sending Experian letters to verify items on my credit report. They never did provide me proof of original documents for the items that are on my credit report. The Federal law states they must delete any items that they are not able to provide me proof of original documentation. I have sent them four letters.

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 2022-02-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I just had this issue opened. XXXX removed from 1 credit report and now XXXX I was just alerted it was added to my Experian report. This Mortgage needs removed immediately from all credit reports and not to be added again

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 2022-02-17
Company: Experian Information Solutions Inc.
State: CA
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:
In due of respect Experian, XXXX and XXXX I like to purchase a new home in XXXX, California but because of credit reporting Agencies. 
I am having some issues because of Derogatory Remarks on my credit reports. 
1.XXXX  XXXX Services Charge off of {$11000.00} this vehicle was returned to lender and Lender Sold it in XXXX. A Natural Disaster of Covid19 Pandemic/ Disability Financial Hardship 2.XXXX XXXX  XXXX  Charge Off of {$6000.00} vehicle was returned and Lender Sold it. Natural Disaster of Covid19 Pandemic/Disability Financial Hardship 3.XXXX. Charged Off of {$6000.00}. Natural Disaster Covid 19 Pandemic /Disability Financial Hardship.

Lender didn't want to agree on payment arrangement of {$7000.00} a month so they went ahead put account as Charged Off. 

4.XXXX  XXXX Credit Card balance is Zero, 5.XXXX  XXXX XXXX  Credit Card Balance is Zero 6.XXXX XXXX Credit Card Balance is {$190.00} 7.XXXX  XXXX Balance is XXXX.. { Derogatory Remarks of Late Payment is not accurate as I never been late on payments.I filed complaints against Company and they Retaliate against me because of National Origin as a XXXX XXXX XXXX. 

Current Balances as of XXXX and my credit utilization is under the 26 % -21 % -Percents.. 

I am XXXX Lifetime, XXXX  and a XXXX XXXX XXXX Military Veteran With Honor and Respect Always.

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 2017-11-13
Company: Credit Karma, LLC
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, 2017 my credit score dropped with XXXX for no reason without explanation per credtit karma. My XXXX score has dropped from XXXX to XXXX for no reason. credit karma is either reporting inaccurate information or the 2 credtit bureaus are making mistakes that suits them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Experian Information Solutions Inc.
State: NV
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:
There some accounts that aren't mine.

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 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Fraudulent debt consolidation /debt relief service I was a victim ... notified by department of justice ... Case No. XXXX XXXX XXXX XXXX ... 
Presently unauthorized companies looking into my credit. 
Hard Inquiry : Trans Union said to contact you : I put a Fraud Alert on all Credit Reporting : 1. XXXX XXXX Via XXXX XXXX 2.XXXX XXXX XXXX XXXX keeps going in my report 3XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX 4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION 5XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION 6XXXX XXXX XXXX XXXX XXXX  7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested On : InquiryType XXXX XX/XX/XXXX, XX/XX/XXXX Individual XX/XX/XXXX Individual Requested On : InquiryType : XX/XX/XXXX Individual 8.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 10.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 11.XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 12.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/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 2019-08-01
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I spoke with American Express on Tuesday, XXXX, XXXX 2019 around XXXXXXXX XXXX   considering my suspended paid overtime feature. The Customer Service Representative stated that she was going to put me on hold and speak with the Risk Management Department. After 15 minutes past by she finally came back to the phone and said Mr. XXXX they had your account up for review and they reinstated your pay over time. I asked her a few more questions and she put me on hold once again, after 20 minutes went by I had to hang up the phone. I just checked my account today which is XX/XX/2019 and the suspension for paid overtime is still there. I called back today once again and NOW I'm getting the run around nobody knows anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
So my name is XXXX XXXX and my information was impacted by the XXXX Data Breach and may have gotten into the hands of the wrong person. This letter is a formal complaint that TransUnion is reporting inaccurate and incomplete credit information. I am distressed that TransUnion have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I demand these accounts be deleted immediately or I am filing for litigation. I am educated about FCRA Laws and that law plainly stated that a failure to investigate these items within Thirty days gives a reason to immediately remove those items from my credit report it has been over THIRTY days so they should be deleted promptly. I am an educated woman and I know the laws and my rights.

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 2020-04-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
-- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : " XXXX '' XXXX ; XXXX XXXX Cc : XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX , XXXX XXXX   PDT Subject : FINAL LEGAL NOTICE/DEMAND FOR PAYMENT TO WELLS FARGO on XX/XX/XXXX - from XXXX XXXX To Wells Fargo - That is clearly wrong. You need to look at when I actually opened this account! 

See you in court. And you will be hearing from several different government agencies that I will be reporting this to as well, including what your XXXX branch put me through to open this account ; AND the numerous fraudulent charges on the debit card connected with this account clearly due to the fact that WELLS FARGO DOES NOT MAINTAIN CLEARLY REQUIRED ENCRYPTION on those cards to keep them secure!!! I will be adding {$300.00} to the damages I request in this small claims lawsuit for the time I had to take away from running my business because your branch required me to come into your branch MULTIPLE TIMES to get those fraudulent charges removed! Actually, I will present a very strong case to the proper anti-fraud, consumer protection agencies that Wells Fargo should be IMMEDIATELY barred from issuing any more such account debit cards until they can insure to such agencies that the cards have such adequate encryption/security to prevent such fraudulent use! 

I WILL ALSO BE REQUESTING PUNITIVE ( treble ) DAMAGES IN THE SUM OF {$2100.00}, and {$400.00} for the 4 hours I will have to take off from work to handle that lawsuit, along with ALL legal costs. 

I will be filing this lawsuit in XXXX County Small Claims Court at XXXX XXXX  today. Wells Fargo 's OUTRAGEOUS, FRAUDULENT CONDUCT clearly warrants punitive damages. I will also be sharing all of this with the XXXX XXXX and every possible consumer protection agency I can find. You would think Wells Fargo has had enough adverse publicity over its fraudulent conduct over the last 2 years, which I will then introduce in my small claims suit clearly establishing Wells Fargo 's established business practice of FRAUD on its customers, not that any CA judge really needs to be reminded of that!!! 

You might want to immediately run this {$500.00} bonus payment by your legal department. 

XXXX XXXX XX/XX/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 monetary relief
Consumer complaint received 2018-01-28
Company: COAST PROFESSIONAL INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Failed to provide validation of the debt. I make no claim to this debt. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America is the problem. we now have a servicing company XXXX but before it went to XXXX bank of America put a lender placed insurance policy on our loan and charged {$160000.00} for the policy. This has been going on for years we were paying our own insurance but every time we got a new date on our policy it auto canceled only the date of the policy so XXXX would always put there on policy on the loan til they got proof of us paying our own. I had sent them many copies but they would say they did not get the proof so then I told my insurance agent to sent them 6 copies well out of the XXXX the finally got 2. we are still paying our insurance that is what was on the loan we pay our own insurance and they escrow the taxes. This has been going on for too long and now they are saying that they want to forclose on our  property because it is getting behind because they are using the money on fees. Please help I make my payment every month.

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 2022-02-17
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have attempted to fix my problems with my loan servicing provider and also contacting fed loan. My problem is that I have no answer on getting my loans transferred to fed loan for starting to be part of XXXX. I applied In XX/XX/2021 and it is 3 months later with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: AFNI INC.
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from AFNIINC on my credit report, which I have previously disputed with XXXX back in XXXX, so please stop collecting this money from me, also and I want this account to be deleted from my credit profile. The most important thing is that I have not been living in XXXX XXXX XXXX since XXXX ( proof attached ), please delete it from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: TD BANK US HOLDING COMPANY
State: GA
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 do NOT have a signed contract nor any contract with XXXX. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping. They lied and said that they would investigate but they are not they are just sending bills and still reporting false information on my credit report. Now a collection agency is writing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: DISCOVER BANK
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On early of XXXX i was unable to communicate on my credit card company which is the " Discover '', family/myself was struggling, very sick of COVID19, due to unable to contact Discover Credit Card , & i was unable to pay my monthly due to them, they cancelled my credit card without my information, not even sending mail to me. I work on medical field since XXXX and during COVID19 time, I am one of the XXXX XXXX, and because of my job i got XXXX XXXX, they don't know how stressful we did, taking care everyday of XXXX XXXXatient in NY, without their consideration. I told Discover Customer care if they can reopen my account and explain to them what happen to me.

6 months after the Discover closed my account, I fully paid them, but my credit history was damage already by Discover, i am not approved anymore on loans right now on what Discover did, no consideration on COVID time.

Company response to consumer: Closed with explanation