BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-15
Company: Experian Information Solutions Inc.
State: NC
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 have tried to get verification from accounts on all three credit bureaus. i have seen no validation of debts.

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 2019-09-15
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Square company, is holding about {$250.00}. That I have collected from customers who buy ice cream from my ice cream truck. I have tried to give the information that they want on line but it will not accept the information. I have not been able to contact them by phone. 
Therefore I am not able to explain my situation to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: NCB Management Services 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've sent numerous certifies letters to all 3 major credit bureaus including the Collection agency NBC MANAGEMENT SERVICE ( XXXX ). They're reporting a debt that I'm not familiar with and they have not explained to me where this debt is from nor have they validated the debt for me Its been over 60 days and this is really starting to hold me back from me closing on my home for myself and children. Im a hardworking single mother and this just isn't right. I really need assistance with this matter, Please!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt is not mine. The debt was incurred in XXXX XXXX I live in Florida. My identity was used stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2019 I received a phone call from Best Buy consumer protection dept asking if I applied for a credit card my answer was no because I never did the representative told me that someone tried to open a credit card in my name but I dont need to worry he will close the account and mark fraudulent The he continued to ask me if I can provide my social security no. I refused and I said you can tell me the social you  have on the application and I will answer if its mine or not he refused and hang up On XX/XX/XXXX I noticed that a Best Buy account was added to my credit report with a charge of {$4000.00} dollars I never applied for an account and I never purchased anything thing from the store

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 2019-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I want a credit limit increase I deserve it and eveyirne I call them their system without checking my credit declined me for XXXX reasons when I make my payments on time and I want a contactless card and they dont give me one

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 2019-09-15
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX and XXXX contacted me concerning a loan I had in XX/XX/XXXX with Flagship credit acceptance stating I owe XXXX but the will settle for XXXX. I contacted Flagship and was advised they closed the account in XX/XX/XXXX. XXXX and XXXX threaten to sue me and put a bank levy on my account. It was suspicious because no details about the company is verifiable, I only receive the first name XXXX, no last name stating he was an attorney then he later said he was a paralegal. Several calls were received but wasnt stating this is an attempt to collect a debt clause, He just rushed and frighten me by Requesting payments via XXXX XXXX or XXXX. The phone numbers given are XXXX and XXXX. And they did not have correct information and asked for my last four digits of my social security number. I believe this is a fraud or scam. When I submitted the address given, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX in XXXX it provided a residence for XXXX XXXX. not a business. Nor was I able to search the company online. They didnt seem to have details that they should have known to begin with.

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 2019-03-26
Company: Southwest Credit Systems, L.P.
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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX paid settlement of XXXX was paid.l was told from XXXX XXXX XXXX who's is the initial reportng company that it wpuld be taken off. Payment for deletion was the agreement in good faith. It has been 7yrs and it is still on my credit report. I did a dispute XX/XX/XXXX i was updated but not deleted off my report. My report number on this account and also on another XXXX XXXX account is XXXX. The 2nd XXXX XXXX account on my credit report that needs to be deleted is XXXX the same situation but that says it will remain I put in a dispute and it said remain I am now reaching out to you to help remove it pay for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Colony Brands, Inc.
State: VA
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:
XXXX XXXX ; Accounts not showing that they are with a outside collection agency. False Reporting XXXX XXXX Acct. Is with =XXXX XXXX XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I moved into a house from a apartment, I canceled my lease and paid all fees before turning in my keys. The apt manger advised me nothing else was owed when I paid them in full the day I left. I received a letter from Hunter and Warfield stating I owed them close to {$600.00}. I stated I owed them nothing and to please not contact me again. They have repeatedly called me and my wife. My wife was a financial party to contact.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
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: Account status incorrect

Complaint:
I have disputed the late payment on this XXXX  XXXX for months. XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: HCFS Healthcare Financial Services of TeamHealth
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:
XX/XX/XXXX Amount owed : {$1400.00} Ask the to validate it. They didnt. And refuse to remove my collection all they did was verify not VALIDATE XX/XX/XXXX Amount owed : {$1400.00} Ask the to validate it. They didnt. And refuse to remove my collection all they did was verify not VALIDATE

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 2019-09-15
Company: Experian Information Solutions 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:
Currently bought the 3-1 credit report from 3 major credit bureaus and see on the experian, my personal address has been changed to another address according to my report and also that over 8 credit cards have been opened with a false address on the experian.. Tried contacting Experian about but cant get to a live person regarding this matter upon trying to lock my credit with Experian doesnt let me cause reported address has been changed. With XXXX report of 1 false credit report and XXXX showing 3 false credit reports. All the inquiries span of the dates of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all these have more then one application for a credit card opened.

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 2018-10-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Hi.I XX/XX/2018 I submitted paperwork, to Experian, from the state 's response of a bankruptcy that was reporting on my credit report on Experian. Experian responded with the information was reported as accurate. I called Experian on XX/XX/2018. The rep I spoke with said " We get our public information from a outside resource ". Under the fair credit act, there is no mention of proper reporting of a bankruptcy. Please investigate this and have removed from our report on Experian. Thanks!

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 2019-09-15
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
American Express membership rewards has switched to views/screens that do not allow for someone to reconcile the points we SHOULD receive per the terms/conditions/charges etc. vs. what they maintain in our Membership Rewards account. They do not show how/when amounts are added to or removed from the account in a way that supports a simple monthly reconciliation. This is exascerbated by the fact that I've recently had to deal with a multi-month issue where they were not provided the Membership Rewards points as described by the terms and conditions of the card used. After months and months of complaints, American Express finally admitted an issue and simply sent an email saying something like " we identified an issue. It's resolved. You don't need to do anything else ''. They never provided the details of how the issue affected my Membership Rewards account balance, they never provided any numbers for how things were resolved etc. 

Now that they have made it impossible for users to reconcile, any future issues will be almost impossible to catch because there is no transparency to the Membership Rewards account posting credits and debits. Rather, they simply show a PARTIAL listing of transactions which at some point ( we never know when ) apparently switch from " pending '' ( aka not included in account ) to " posted '' ( aka included in account ). 

The new updated website makes it impossible for a consumer like me to hold Amex accountable to the terms and conditions of their rewards program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: STATE FARM BANK, FSB
State: PA
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 says that there is an opened credit card with {$7200.00} balance. I havent had a XXXX XXXX card since XX/XX/2004 and it was always paid off. Tried numerous times to get it removed. No response from company. Hurts my debt to income and credit score.  Also State Farm Bank put a 30 day XXXX payment on my credit, but they have over 22,000 points that would have paid that payment. Also, payment was automatically paid every month. Never notified of expired payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, I received a phone call from XXXX XXXX, my mortgage company, about a disaster forbearance due to Hurricane Harvey. During that time I was told that no payments would be due on my account and that no credit reporting would done. At the end of XX/XX/XXXX I received a letter that stated my disaster forbearance would end on XX/XX/XXXX and at that time the total sum of my account would be due in the amount of {$1500.00}. Because XX/XX/XXXX was a holiday and offices were closed, I called XXXX XXXX on XX/XX/XXXX and paid the requested amount of {$1500.00}. On XX/XX/XXXX, I received a credit monitoring notification that there were changes to my credit report. When I checked my credit report, it was noted that XXXX XXXX reported my mortgage account as delinquent 90-119 days past due. I then placed a call to XXXX XXXX  and spoke to a manager regarding this matter. I was told that they were aware of the problem and an issue with their system prompted the system to subsequently report all customer accounts that were on disaster forbearance as delinquent for more than 90 days. I was then told that a task was sent on my behalf to their credit reporting department to have the incorrect reporting updated to adequately reflect no late payments. I was also given the name and fax number of a XXXX XXXX and was told that as an added measure, I could submit a letter to her in an attempt to expedite the matter, which I did. I made subsequent phone calls to XXXX XXXX  regarding this matter to have the same answers regurgitated and no action taken. This reporting has dropped my credit score over 100 points and even further dropped my credit score by having my creditors reduce my credit limit on current accounts thus increasing my utilization rate on these cards. This has also made me have to put a needed car purchase on hold as my credit score, as it stands would cause me to have a higher than wanted interest rate and down payment. It has been past 30 days and my credit report continues to reflect an account that is 90-119 days late. 
A more thorough review noted that XXXX XXXX has reported my account as 30 days late for XX/XX/XXXX, which is also incorrect. 
I have disputed this information with the credit bureaus and submitted proof of the letter received and proof of payment, it has been past 30 days and nothing has been removed from 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 2019-09-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had applied for a mortgage modification with Select Portfolio Servicing on XX/XX/2019. At the same time I was seeking information from two different banks as to whether I may be able to qualify for a refinance on my loan. There were some things i needed to pay off on my part to boost my credit rating in order to qualify and this took a couple of months. I stayed in touch with Select Portfolio to let them know what I was doing so as not to let them think I didn't want the modification. I needed that to stand in case the bank loans didn't work out. 
During the time I had forgotten to send my hardship letter as part of the mod request. I had until XX/XX/XXXX to get it to them. In a phone call to many Select Portfolio reps I was told that they would extend the time for me to get the hardship letter in since I wanted to see if the Bank loans would work out first. One representative even told me that they actually had one on file from a previous request and that they could use that. 
Eventually it was taking me more time to get my credit score where I needed it to be before the Banks I was seeking a refinance with would consider doing it. So I got my hardship letter prepared to send to Select Portfolio. I called and spoke to a representative on XX/XX/XXXX to get information on where I should send my hardship letter and was told that the modification was cancelled due to the hardship letter not getting there on time. I had previously spoken to a rep about it that XXXX XX/XX/XXXX who told it would be fine if I got it in on Monday. No warning that the modification request would be cancelled by then. I was misinformed by multiple representatives and i find that unacceptable. 
I am still trying to work with 2 banks to refinance but have a foreclosure date two weeks away on XXXX XXXX. 
I have disputed this decision by select portfolio directly with there Ombudsman Dept. and have gotten back no response from them and with a foreclosure date set in two weeks. I believe this foreclosure date should be postponed and I should be aloud to reapply for a Modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
The below are a result of ID theft as reported several times before : XXXX XXXX Account Number XXXX The following inquiries have not been authorized or in any way done by my person : XXXX/XXXX  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 2018-06-12
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax is reporting on debts I do not owe. XXXX XXXX and XXXX XXXX debts are not mine! Equifax continues to report and verifies these items. I have requested proof of verification on multiple occasions, and they fail to send me any information. My identity was stolen years ago and made a police report. My police report # XXXX. I have never signed any documentation to these creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I deposited {$300.00} on XX/XX/XXXX into XXXX XXXX for {$250.00} worth of Bitcoin and  {$50.00} worth of XXXX Cryptocurrency. Then on XX/XX/XXXX I tried to deposit {$300.00} more via bank deposit but was denied. My account recorded a negative balance of - {$290.00}. I then did a bank Transfer on XX/XX/XXXX for {$300.00}. My account still says - {$290.00} and they say I need {$300.00} more to be at XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
We were reported as late payment when in fact we have more than enough funds with XXXX XXXX for which the check was drafted. We could not understand as to why our check was not funded by XXXX XXXX. I filed a complaint with XXXX also. For a fact that we are doing our best to abide to our loan obligation, we always pay more than the statement amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE 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:
Hello I have lates on credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX collection? I don't owe XXXX this is incorrect. Its illegal I know my rights, XXXX IS A BIG BULLY. YOU CALL AND THEY TELL YOU PROVE IT. I researched and saw itls illegal to put incorrect information on your report. I filed several FTC reports. Im tired this is ridiculous. How can these banks do this? XXXX isn't my account I want it removed. Thank you I need your help please

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