BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days, and I have yet to get a response.

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 2019-03-21
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, XXXX XXXX XXXX is engaging in said violations of latter federal statutes. XXXX XXXX XXXX  did not provide within 30 days of their notice of alleged debts that alleged occurred on XX/XX/2016. There is no itemized receipt that was produced within the afforded time frame of 30 days, nor any evidence that I owe any money to XXXX XXXX XXXX. Thus I hereby refute the validity of this collection attempt, as null and void. This company needs to cease and desist and not communicate with me again on a debt I do not owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One was in full on XX/XX/2019 in the amount of XXXX and my balance was {$0.00} and they are reporting on my credit report that I still have a balance. I called and spoke with a representative by name of XXXX and also a supervisor by name of XXXX on XX/XX/2019 and she stated that I had a balance of {$6.00} and I was aware of this because I used the card a few days ago, but they still not reporting the correct amount to the credit bureau just would like for my report to updated to reflect what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never shopped at XXXX XXXX XXXX in XXXX, IA and This company is stating I had a credit card out for over {$400.00} and I never applied for one let alone I have never shopped at this place. Please remove this from all credit bureaus and off my credit report as this is hindering me from purchasing a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
Bank of America reported delinquent payments. I was a victim of identity theft in 2014. It was reported to the proper authorities but Bank of America won't remove this from my 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX withdrew over {$1100.00} from my XXXX XXXX XXXX account to satisfy 2 credit card debts, under false pretenses. They claim I authorized, verbally, and instructed them to do so. I did not have these funds available, and this caused my account, overdrafts included, to plummet to $ XXXX. 

These verbal conversations never happened at all. I did not speak to anyone from XXXX, much less instruct them to do so. Who would instruct someone to withdraw money that they knew wasn't there? It was an absolute lie and I am attaching these letters. My phone records show that no call took place on XX/XX/XXXX, as they claim happened. I received letters thanking me for my verbal consent and instruction to pay in full. 

XXXX did reverse the charges for my account, but it's frightening that collections departments at a bank think they can create a consent that didn't happen. I did consult an attorney when this happened, and he advised me to work with my bank, XXXX, and file a complaint with the Attorney General 's office about XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
FCRA violations : Account Info Tap labels for more details Account number XXXX Account status Closed Not only hiding charge-off accounts under closed accounts see attachments for proof ( see attachments ) XXXX Original creditor : XXXX XXXX {$330.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$18000.00} Balance updated XX/XX/XXXX XXXX Original creditor : XXXX XXXX {$330.00} Balance updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
last month in XXXX, my company gave us a 15 % salary reduction for the next 3 months. I was looking at my finances, and my bank Wells Fargo had a popup talking about COVID-19 and that I could put my mortgage on 3 month suspension, so I clicked thru and got it deferred - WellsFargo said on the site ( among other things ) : A short-term payment suspension temporarily pauses your obligation to make monthly payments for 3 months. During this time, we wont charge late fees or report additional missed payments to the credit bureaus. 

So, that was in beginning of XXXX. When my XX/XX/XXXX payment came up, I tried to make a payment to my Mortgage from my checking account, and i got a weird error message saying " no linked accounts can make a payment to this mortgage ''. I called WellsFargo, and asked them why I couldn't make a mortgage payment. They said it was because my mortgage was in forbearance. I asked them to remove that, because I can make make my payments without any issues and it was a mistake to enable the forbearance. 

So on XX/XX/XXXX, I started shopping for a new mortgage, and am working with a mortgage broker ( MB ), who pulled my credit on XX/XX/XXXX, and told me to pay down a credit card ( which I did ), and he'll pull a new score. today, he pulled the new score, my score went up by 20 points and I'm in a great position for a new loan. Except there's a problem - WellsFargo sent an update to all 3 of the credit bureaus that my mortgage was in a 3 month forbearance - Deferred to XX/XX/2020 - and this is now listed on all 3 credit reports. 

My mortgage broker said this was a HARD STOP to my refinancing as they won't work with anyone with a forbearance on their mortgage. I called Wells Fargo and they said yes, they did remove the forbearance, and will be sending me a letter saying this. But my MB said he can't do anything with a letter. 

WellsFargo will not do anything to remove this from my credit report ( called them twice today ( XX/XX/2020 ) and both times got hung up on while on hold - but basically said said i have to wait until credit reports update next month. i am going to miss my window to refinance. anything i can do?

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 2020-12-15
Company: Everest Receivable Services Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX or XX/XX/2020. a fraudulent charge. was made on my XXXX account. My bank stopped credit card charge do to charge being out of state purchase. XXXX then tried to go in my bank account directly, but charge was still denied. So the debit left with XXXX. I tried to contact them through their website, but it was like a house of mirrors. Non of their options on their web page lead to a customer service rep. XXXX sold their debt of {$530.00} to Everest Receivable Service. They did call last week and I talked to one of their representatives ( XXXX ). I explained the situation, but he didn't want to hear that it was a fraudulent charge that XXXX let go through, even though my bank denied charge due to fraud, He asked me if I made a police report. My response was no, I did not know you could do that. I am receiving notices through the mail that I own them {$530.00} for a charge I did not make. How can these be resolved? Please advise me what I need to do. I don't feel like I should pay a fraudulent charge do to XXXX 's poor protection of their customers monies. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: SYNCHRONY FINANCIAL
State: FL
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 recently went on-line to get my free yearly credit report and was startled to see old information still being listed on my report even after contacting the various credit bureaus as far back as XX/XX/XXXX. Specifically 2 revolving credit company 's I had a long relationship with : # 1 ) XXXX opened inXX/XX/XXXX ( had an issue with an on-line bill pay, that was corrected and they sent me an official letter of explanation ( that also should have notified the credit bureau 's ) the amount in question is {$36.00} and to this day is still showing up adversely. 
# 2 ) Synchrony-JC Penney's- Opened in XX/XX/XXXX this account was shared by my then ex-wife ( whom we were divorced in XX/XX/XXXX ) and when the divorce took place in XX/XX/XXXX she immediately ran the credit account to the max, however, I negotiated with the account representatives on a payment plan to pay it off. Even though it was done without my consent/unauthorized. I should not have negative reporting still occurring on this file when it was closed in XXXX. 
# 3 ) I recently did a VA cash out on my mortgage with XXXX XXXX and subsequently was approved by XXXX, for a new Mtg. There are 3 Hard credit inquiries all related to this transaction 2 in XX/XX/XXXX and 3 in XX/XX/XXXX, all negatively impacting my credit. This also, happened when we were looking to purchase a car at a " Tent '' sale and about 10-15 harh pulls were made to our credit all trying to get approved financing. The consumer should not be penalized for these types of actitvities when they're all related as I understand the Law.

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 2019-04-14
Company: LEXISNEXIS
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: Was not notified of investigation status or results

Complaint:
LexisNexis was sent a letter on XX/XX/2019 requesting for both a copy of my report, and for LexisNexis to up date my information by deleting all incorrect information that may be on my report. 

Today is the XX/XX/XXXX, well over 30 days and I have been ignored. This is a violation! 

I need LexisNexis to provide me with my report and correct any information listed in the letter. I will reattach the letter. If I do not receive this information within 15 days, I will file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Good Morning. 
The issue was with Fifth Third Bank. I had a balance for {$4.00} and did not pay for two consecutive months. They reported me to the Credit Bureau what affected my score considerably. 
I called customer service because even when I'm not enrolled on paperless statements, I never received an Statement over the mail. I was wondering I had the autopayment choice saved with them. Online they have a tab with Alerts and Messages. Both inbox are empty. I never received an email or notification about these late payments. Usually banks call their customers when this happens. I never received a courtesy call from them. I asked why I never received any notification and the responses were ridiculous. I was reading the reviews of this bank online and they use to abuse with customers and this case is similar to many others. 
I really would like this bank to stop abusing customers, this is not the way Bank acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: Experian Information Solutions 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 contacted Experian on XX/XX/2019 after receiving an email that the status of one of my accounts changed. I initially attempted to dispute the information online after reviewing that my XXXX  account XXXX was showing that I was 30 days late. When I clicked dispute, I received a message stating Dispute Cant Be Processed Online and to call XXXX. I called the number and informed the representative and was advised to go to Experian.comXXXX, fill out demographic/verification information, write a summary and upload my payments to the company and a dispute would be initiated immediately after completion. I completed everything and Ive checked daily and the dispute is still not initiated on my report. Ive provided all of the information to show I paid my XXXX payment on XX/XX/2019, my XXXX payment on XX/XX/2019 and my XXXX payment via two payments one in XXXX and XXXX. I wanted to make sure my payments were a month in advance. To this day, an investigation has not been initiated to eliminate this late payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TransUnion has been improperly reporting an account from XXXX XXXX XXXX XXXX  on my credit report for the past two months. TU reports it as delinquent with a current balance ; XXXX and XXXX   report it correctly. The account was included in my bankruptcy and discharged ( see attached complaint and documentation ). I called TransUnion multiple times, sent them letters, used their online dispute process to no avail. Please help. 

All information is in the attached documentation. Please call me at XXXX or email me at XXXX to confirm receipt and update me. 

Thank you!

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 2020-05-05
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with the current mortgage holder. The loan officer stated orally and in writing several times that since I was refinancing a FHA mortgage that I would receive the funds in my escrow account back once the refi was completed ( around {$6000.00} ). 28 days passed and I received my escrow check back from my mortgage holder in the amount of {$260.00}. I contacted the loan officer about this and he said that the funds from my escrow were applied to the payoff of the FHA mortgage being refinanced. He further stated that this had to be done in order to get the proper loan to value on the refinance. I was never told this prior to the closing and was told multiple times that the money would ge returned to me. I would have continued shopping banks for my refi if I had been told this information. Now I am stuck with a homeowners insurance payment coming due on XX/XX/2020 that I either have to pay out of pocket or use the funds in my new escrow account from the refi, but this will leave me with an escrow shortage when my property taxes are paid this summer and increase my mortgage payment. Consequently, it appears that my refi ended up putting me in the same position that I was in prior to completing it, but with additional costs from the refi.

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 2017-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Sir : On XXXX XXXX,2017 I was out of town, on a vacation, five hundred miles from my residence in XXXX XXXX. A letter arrived from Bank of America, regarding insufficient funds in one checking account. I reacted to The message immediately upon the date of this notice. I was not able to cancel my vacation therefore I applied for help at the nearest branch of Bank of America in XXXX, Nevada. The branch manager whom I spoke with informed me that the processing of this transaction was delayed only temporarily and my account funded later when I returned in two days. The information was incorrect and I should not be penalized for their error.

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 2019-04-14
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: Account information incorrect

Complaint:
I was going over my credit report I noticed that there are addresses that are not mine showing.Please remove me from XXXX XXXX, XXXX, XXXX, XXXX. ( Gramm-Leach-Bliley Act ) 16 CFR 313.15 SECTION. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction. 
I do not nor have I given my consent to any consumer database. 
I would like the following addresses deleted This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. My name is XXXX XXXX please delete all other variations. I am no longer affiliated with these addresses, I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX XXXX XXXX, Oh 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 2021-09-10
Company: ERC
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: Was not notified of investigation status or results

Complaint:
I am having an issues with a collection company. They are reporting on my credit for something that is not mine. Enhanced Recovery Corporation. They are reporting that I owe XXXX money which I do not. I have not have XXXX in ten years. I have ask over and over again for a validation of debt and no one can give me one. If you cant prove that is mine how can you report it? I cant verify something without proof. Again I have NOT had XXXX in ten years. If I do not get an itemization statement or this is not remove I will sue in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
My Car loan was extended/deferred because of the Covid 19. A statement was placed on my credit report and it dropped my score 52 points and caused me to get denied for a personal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Per FTC sec 609 companies are not validating my credit account, they are simply verifying my information.

Company response to consumer: Closed with explanation