BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-10
Company: DISCOVER BANK
State: PA
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:
On XX/XX/XXXX i received an email saying that my account had been closed due to inactivity. I contacted the company XXXX XXXX XXXX on XX/XX/XXXX to ask if this was a mistake and if it could be reversed. They told me that it was nothing they could do and they do not have to give any warning before closing out my account. I last used the card in XXXX of XXXX. I have not used it because typically it is my travel card but due to Covid i have not been able to travel anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently received a copy of my credit report from each of the three major bureaus, and it lists each of my eight student loans from  FedLoan Servicing as having a 90-day late payment in XX/XX/2019. In XX/XX/2019, I contacted FedLoan Servicing and requested a forbearance, which was subsequently approved and backdated to show effective as of XX/XX/2019. Upon noticing the late payments reported on my credit reports, I called FedLoan Servicing in order to remedy the situation. I was told by " XXXX '' that even though the forbearance had been approved and backdated, they would not reflect that on my credit report since it had already reported as late. I asked him if FedLoan Servicing no longer considers my payment late for that period of time, why they won't make that consistent, and update that on my credit report. He apologized and told me that it wasn't their practice to do so. I feel this is unfair. The company themselves forgave the payment for the month of XX/XX/2019, but I have EIGHT 90-day late payments on my credit report that they refuse to update. Aren't credit reports supposed to be accurate? To me this shows a clear discrepancy between what was reported and the actual status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Shellpoint Partners, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan was transferred to Shellpoint mortgage servicing. They have repeatedly sent me compliance letters about obtaining insurance on the secured property. Our insurance agent has called and faxes them repeatedly. Now Shellpoint has sent another letter saying it's going to collection. We are in compliance with all Utah requirements as well as the original loan requirements that was originated without problems. We have not reduced or changed providers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
debt being collected by ashmer collection service is not valid. I do not have any information from creditor verifying debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Supreme Lending
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We were preapproval for a home loan XX/XX/2020 up until XX/XX/2020 ( which is the day of closing ) on the loan by XXXX XXXX with Supreme Lending. We find out this is misleading/not at all true because a baby/new realtor XXXX XXXX ( whom hasn't even sold her first home but yet your helping me. How? I do everything for you by researchingthe home negotiatingthe price and things to stay in the home, and etc ) told XXXX that i am at XXXX XXXX XXXX. I have phone recordings with her and him that you clearlt hear me say I am currently at XXXX XXXX and my XXXX XXXX is sitting on a judges desk at VA to be signed. My VA representative help me achieve this because I am currently underrated at XXXX XXXX. They neither reach out to him nor myself through this whole process until XX/XX/2020 by text message to say we are not approved now. 

We have paid for everything upfront and now they do not want to reimburse my family and I for misleading information. My landlord and wife landlord both gave us 11 days ( XXXX XXXX to XXXX, 2020 ) free rent as our gift since we were buying a home. We are currenlty homeless and living in hotel which is becoming a bill all in itself. We even purchase XXXX cash of new furniture for the whole house, paid maide services to come deep clean, and etc. 

I was so called not approved because of a XXXX XXXX XXXX letter, when in fact, my wife makes XXXX a month after taxes that was not accounted for nor on the loan because her score was too low. They running us around saying its the governments fault due to the covid-19 and VA judge not signing the paper. This is incompetent lending  and business at it's finest from both parties listed above. You both took me to battle but left me with no weapon on the battlefield. This how you supposedly help veterans whom has put it on the line for you day in/out. Trust me, I don't need anybody sympathy because I made this choice for my family and I. I was looking for them to do the same for my family. Yet, in the end, they have left us out in the cold and could care less about our issue nor reimbursement. Neither one has contacted me over the phone simply text messages or email. They afraid to face the lies and reality. 
I am writing to inform ours about these two cats along with the company 's they represent because this speaks volume about how these companies operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: AFNI INC.
State: LA
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:
I have a closed account with XXXX XXXX that was closed in XX/XX/XXXX. The collection agency AFNI is reporting on my credit report that the Account was opened in XX/XX/XXXX. This is false information. This account was in collections before XX/XX/XXXX. I do not have an account with AFNI  and feel that if they are going to buy accounts that the correct dates should be reported. This needs to be removed because I do not even owe AFNI. 

These companies are reporting inaccurate information, which is in turn affecting my credit score which affects my way of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC is claiming that I owe them {$1200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have a issue with unrecognized addresses appearing. I also have a few name variations on my file that are not correct. my full and correct name is XXXX XXXX XXXX XXXX please remove any other variations of my name. The following addresses are not mine please delete : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is a error account from FCRA XXXX, XXXX, XXXX, XXXX  # XXXX, XXXX XXXX   # XXXX, XXXX XXXX # XXXX. 
Chapter XXXX bankruptcy 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 2020-05-26
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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-07-06
Company: Comerica
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
INACCURACIES DATES BANK STATEMENTS TRANSACTION ALLEGEDLY SUSPICIOUS TRANSACTIONS OF FRAUD-CYBER CRIMES XX/XX/2020 XXXX ITEMS XXXX T-SHIRTS/TANK TOPS TAMPERING WITH BANK STATEMENTS DATABASE BREACHES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. US DEPT ED XXXX {$2200.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX {$8200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Exeter Finance Corp.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was a with EXETER FINANCE customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have a issue with unrecognized addresses appearing. I also have a few name variations on my file that are not correct. my full and correct name is XXXX XXXX XXXX XXXX please remove any other variations of my name. The following addresses are not mine please delete : XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is a error account from FCRA XXXX, XXXX, XXXX, XXXX # XXXX, XXXX XXXX   # XXXX, XXXX XXXX # XXXX. 
Chapter XXXX bankruptcy XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time and I have derogatrory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-05-19
Company: Experian Information Solutions Inc.
State: WA
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:
To Whom It May Concern : I sent a request for the method of verification to Experian via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the account XXXX XXXX XXXX. 
I requested In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.

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 2020-05-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I mailed off an Identity Theft Affidavit to Experian XX/XX/20. There are fraudulent accounts reporting on my account. Ive sent them numerous of letters and also sent in a police report. They have not ceased reporting or conducted an proper investigation with a signed binding contract from me. They are violating my rights as a consumer! I have attached my FTC complaint which includes those fraudulent accounts appearing. I also filed a XXXX  complaint as well

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 2020-05-19
Company: American Mortgage Service Company
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
American Mortgage provided mortgage loan for purchase of new house. They outsourced bridge and equity loans to XXXX XXXX. Did not provide adequate communication, did not answer questions, was very disorganized. Asked for same info multiple times. Resulted in closing on house to be delayed 3 times ( 3 weeks late ). Had to reschedule movers 3 times and had to live among boxes and wrapped furniture for 3 weeks, and has delayed sale of existing home ( couldn't show house during same time frame ). In addition to the tremendous frustration and inconvenience, resulted in additional loan costs to extend interest rate on mortgage loan. I have 8 pages of documentation, all emails and text messages to show the incompetence and extremely poor service. They finally did reimburse for the added cost of extending interest rate. But I don't believe that is sufficient resolution to the issue. Filed complaint with XXXX  ( ID XXXX ) that was not resolved American Mortgage simply stated it was a complicated loan and out of their control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
There are unauthorized credit inquiries on my credit profile.

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 2018-07-27
Company: Receivable Solutions, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receivable Solutions LLC  XXXX I receive calls nearly every day from this company, they never identify themselves in voicemails so I researched the number and it comes back to Receivable Solutions. They leave messages indicating I owe a debt and never indicate what it is for. I have an excellent credit score and owe nothing to this company. I have asked them to stop calling. As soon as I pick up the phone they refuse to identify themselves and ask for me to very my address and provide CC information. I'm not sure what kind of scam this is but I assure you I owe them nothing. After researching their name they appear to offer collections for XXXX Hospital, any medical bills that would be billed to me by XXXX were paid to XXXX. I am exhausted by their constant calls and tactics. I think they are trying to get duplicate payments for items already paid to the hospital!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Go Capital Holdings, LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine please remove this debt from my Credit Report

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 2020-05-26
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 information incorrect

Complaint:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These accounts have been billed incorrectly. These charges should have been submitted through my childrens medical insurance, not my insurance. I have attached copies of their insurance cards for reference. This false reporting of collection/chargeoff accounts that do not belong to me is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-05-19
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
American Express received a credit for {$12000.00} XX/XX/2020, for a trip I'd paid for and was cancelled. I asked American Express to return my credit to my checking account. A representative named XXXX Gave me a partial reimbursement by wire and promised to send me a check for the remainder. That was XX/XX/2020. Today is XX/XX/XXXX and I discovered that American Express representatives lied to me twice and never sent the check. Today I asked for my refund again, and they are making it difficult and kept me on the phone for 2 hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-06
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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate personal information which another credit reporting agency found to be inaccurate and had removed. Due to the lack of response of the Equifax Credit Bureau, which I classify as frivolous, they have dishonored FCRA regulations and my request for verification. Please correct the error found in my personal information and update my records, which the bureau have failed to provide proper verification : Address : XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: NCC Business Services, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by my old apartment complex saying I owned XX/XX/XXXX rent. I told an associate that I was leaving because I was XXXX. My lease was up on the XX/XX/XXXX and I left out late XX/XX/XXXX. I turned in my keys, I didn't think I needed to give them my XXXX   since my lease was up. They called me and told me about the debt, I then emailed my XXXX  and they told me that they could not take that.

Company response to consumer: Closed with explanation