BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-12
Company: Experian Information Solutions Inc.
State: DE
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:
Credit report shows late on both XXXX and Experian. Requested to be fixed by XXXX XXXX and they refused. I was informed by credit bureaus that it isnt their job to make sure its correct. It needs to be corrected because it is keeping me from purchasing a home.

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 2020-01-28
Company: ID Analytics, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have gone online twice to obtain a copy of my credit score and consumer report with SageStream credit reporting through their online portal. I have sent all the necessary documentation they have requested and have received nothing. On XX/XX/2020 I attempted to call on the phone and got a recording and they wanted me to leave a message. 

How does a credit reporting agency that controls such an important part of a persons life not be available to answer calls? Never even heard of SageStream until 2 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2020-11-15
Company: Experian Information Solutions 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:
The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  , AND XXXX/XX/XX/XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX  to Pay {$570.00} Million as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.

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 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I have never received any notifications in regards to the investigation results and it has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2017-08-01
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare misapplied my first mortgage payment to another loan and then credited it to the correct loan 3 months late. They took my second payment and put it into a suspense due to the first payment not being made ( was they misapplied it ). On the second payment an extra {$620.00} was made toward principle. Only {$190.00} of the {$1500.00} payment was ever credited toward my principle. Third payment was credited as a two payment ( one due and one in advance ) instead of applying {$1100.00} onto the principle as directed by the payment coupon. All payments were made on time with an attached payment coupon properly noted with the extra principle payment. See email letter. After 5 months of no resolution, I had to hire an attorney to write a letter in my behalf to the mortgage company and still not results. I am out {$4000.00} in attorney fees and it is still going higher.Review my XXXX 2017 billing statement and you can see all the errors in the details ; nobody can figure out what LoanCare is doing to my mortgage loan. They also attacked my credit file with a 30-59 day late that dropped my score from XXXX to XXXX. I have never been late on any of their payments and they sent me a letter stating they would not damage my credit report due to their errors ; however, reported me late anyway.

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 2020-01-28
Company: EQUIFAX, 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:
On XX/XX/2019 I received a notice from XXXX XXXX that there was a new hard inquiry on my Equifax credit report from XXXX. I did not apply for any credit at that time. On or about XX/XX/2019 I called XXXX and informed them. I was transferred to there " security '' section. They informed me that an application was submitted in my name, but the information submitted didn't match mine. They considered it a fraudulent application and denied the credit. They also informed me they would submit to have the inquiry removed from my Equifax report and put an alert on my account ( I have no account with them ). On XX/XX/2019, another hard inquiry appeared on my Equifax report from XXXX. Again, I contacted them ( spoke with XXXX ) and informed them I had not applied for credit. He informed me that again, the information didn't match mine and they considered it fraudulent. I even received a letter from them stating credit was denied because of " Risk of Invalid Identity ''. He informed me that they would resubmit to have the XX/XX/XXXX hard inquiry removed and have the XX/XX/XXXX hard inquiry removed. To date, both hard inquiries remain on my Equifax credit report. I contacted Equifax and was told there was nothing they could do to remove the fraudulent inquiries. I have since put a fraud alert on all three major reporting agencies due to the attempted identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: DISCOVER BANK
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:
Supervisor name XXXX ( refused to share last name ) and states I don't have a phone number made remarks to me about my account be closed based on my gender. Account has negative balance and Discover Card will not return money or state why the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was a victim of ID theft and I am trying to protect my credit file because of a unauthorized access to my credit. I found new accounts that have never appeared before on from the following copmanies : XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX PLEASE DELETE THE ABOVE UNVERIFIED ACCOUNTS. I am disputing them again under 611, 623, 609 FCRA.

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 2020-11-15
Company: Lon Inc.
State: MN
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:
Account # XXXX is being listed as charged-off/collections on all three of my credit reports effective XX/XX/20. This account was included in a Chapter XXXX Bankruptcy filed on XX/XX/20. Bread was notified of the bankruptcy filing on the creditor matrix. The Chapter XXXX automatic stays prohibits any act to collect, assess, or recover a claim against the debtor that arose before the case filing. ( Section 362 ( a ) ( 6 ) ). I insist that BREAD/XXXX XXXX XXXX cease all collection activities and PROPERLY remove the account in question or correctly notate " Included in Chapter XXXX wage earner plan. '' You can not charge off an account in an active bankruptcy case. By placing the debt in charge-off status and attempting to collect on it, they have violated the automatic stay. This is their only warning before I get my attorney involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill from Midland Credit management that i did not recognize so on XX/XX/XXXX I sent them a letter requesting validation pursuant to FDCPA 15 USC 1692g. I requested a Creditor/Debt Declaration ( a form was attached to letter ) documents and information and requested that they respond within 30 days or request the account be deleted and removed from my credit file and a copy of deletion request be sent to me. On XX/XX/XXXX I received another statement without validation or documents. Then on XX/XX/XXXX I received a XXXX envelope that contained another statement and pamphlet on debunking collection myths. I didn't know why they would spend money on XXXX without sending any documents. At this point i called them, and the 1st person i talked to claimed they had sent me the documents and information but it was sent to the wrong address even though they had my address, he said he will connect me to " regional support staff '' who said they sent me the information in XXXX  and said since i didn't get it he would send it to me again now, I told him no that at this stage I wanted him to remove the information from my credit file, and to cease and desist all communication with me. ( I still have the recording of the conversation ). On XX/XX/XXXX i again received correspondence from them dated after i asked them to cease and desist. So I sent another letter also requesting that they cease and desist, this time with a return receipt which they stamped XX/XX/XXXX ( although it was delivered on XX/XX/XXXX at XXXX XXXX ) And again, today XX/XX/XXXX I received some more correspondence dated XXXX XXXX. It looks as though they closed the account on XX/XX/XXXX and the information is still apart of my credit history as a closed account or collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: MI
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 sent in a letter on XX/XX/2021 about the inaccuracies on my credit report and got no update and it has been well over 30 days! This is stoping me from moving on with my life and causing be Extreme stress! I cant take this anymore, I need the items removed immediately so I can go back to living my life. This stress has landed me in the XXXX many times now I just cant take it anymore!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: National Credit Systems,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: Information belongs to someone else

Complaint:
I received a letter in the mail from this company saying I owed money and called them to confirm. My first call i spoke with a representative who told me this debt was for a house I rented and she spouted off an address where I have never lived. I then asked her for a copy of the leasing agreement so I could verify this debt. The representative became combative and asked me why did I need verification of the debt. I told her its my legal right for the debt to be paid and I wanted documentation. I have just now received documentation but out of a 20 page leasing agreement I only received 5 pages. NONE of which can verify that it was ME who this debt belongs too. There's no copy of my ID - no date of birth information or even my social on any of the incomplete paperwork that was sent. I would either like proper verification of this debt or I would like it removed from my credit report for failure to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: First Data Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
We ran a small XXXX XXXX. We called our credit card company, First Data on XX/XX/XXXX to close the account effective XX/XX/XXXX. We were closing the business. I saw charges on one of our bank accounts that we were keeping open to pay any bills after XX/XX/XXXX. They charged us for XX/XX/XXXX & XX/XX/XXXX a total of XXXX with no activity at the business. We called to have the charges stopped & reversed, but instead were billed for XX/XX/XXXX. We have closed the account at present to stop the charges, but when we called, the representative told us that we were supposed to call on XX/XX/XXXX, of which we had not been told & that there was no supervisor to speak to ... of course untrue. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md 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 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 was overcharged apx {$140.00} at the end of my auto loan with XXXX XXXX XXXX XXXX XXXX. I had an ongoing dispute with them regarding this amount for 4 months at the end of my loan period. I finally relented and paid the balance sine I was in the process of purchasing a home and did not want this open balance reflected in my credit report. However a year later I received a refund check and letter from XXXX XXXX dealership stating that I was indeed overcharged. However this is still adversely effecting my credit rating and my ability to get a lower auto loan interest rate and refinance on my home

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 2021-03-29
Company: EQUIFAX, INC.
State: MS
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the XXXX  you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Upon filing with this site moments ago regarding a different account ( of a Different party ) JP Morgan Chase Bank, NA is tying to use the other complaints issue to attempt an illegal foreclosure meaning that the last complaint should have not occurred whereas my home was illegally auctioned off on XX/XX/XXXX and the HELOC was part of it. This JP Morgan Chase Bank, NA by doing this is pushing enormous stress on me with these illegal out of the box paperwork attempts to take my home. The auction deleted the HELOC on that date and this JP Morgan Chase Bank, NA is repeatedly severly stressing me out to try and kill me knowing I have stress  related medical ailments that can take my life from me with this ongoing unrelenting abusive dirty filing of false documents into the Reg of Deeds and etc ... I should not have had to file the last complaint today, Chase should not have ever done this to me!! The auction in XX/XX/2019 deleted that previous complaints attempt to take my home. CFPB please stop them from this abusively mirage of terrorism on me. All and any alleged accounts would have been deleted voided out on the auction sale date of XX/XX/XXXX. STOP THIS ABUSE TO ME!!! THIS IS NOT A DUPLICATE COMPLAINT IT IS A COMPLAINT OF INTENTIONAL ABUSE TO ME!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: CL Holdings LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of this year I received a written notification that I owed Jefferson Capital Systems {$3200.00}. Apparently the original " creditor '' was XXXX XXXX in XXXX XXXX, Minnesota. The date it was opened was apparently XX/XX/19. I have never been to XXXX XXXX nor did I open this account. I have no knowledge of this account, did not authorize this account, and expect this account to have been opened due to identity theft. I disputed the collection with both XXXX and XXXX XXXX, but both companies only verified that the information was accurate. I refuse to pay {$3200.00} because I did not open this account. I am furious that neither XXXX nor XXXX XXXX verified that the charge was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone sold me a product and a service. After they received the money, they told me I was not going to get the product and blocked me on Cash app and from their phone. The merchant stole {$1000.00} and additional {$300.00} from me. I have reported it to the police on what has happened. The police have all the merchant information and well knowledge that it was a scam. The transaction deleted from my balance but it stated pending. I tried canceling the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I took out a loan with Discover Student Loans around XX/XX/XXXX. At the time the loan was taken out, Discover Student Loan transferred the servicing of the loan to XXXX XXXX. In XX/XX/XXXX, XXXX XXXX and Discover Student Loans informed me that, Discover was going to take over the servicing of the loan. Once Discover took over the loan in XX/XX/XXXX, I no longer received phone calls or statements regarding loan. My co-signer received all the phone calls instead of myself who was the primary borrower. During the month of XX/XX/XXXX, I spoke with Discover roughly 5 times regarding the handling of the loan was advised the following : 1. My number was not in the auto dialier used by Discover and representative submitted a request to have my number manually added 2. Discover claimed that on the 2 separate occasions they attempted to reach me that my number wasn't going through their phone system 3. My number was included on the TCPA and therefore Discover wasn't allowed to legally contact myself ; however, I have a legal obligation with Discover Student Loan to repay the debt. During a phone call on XX/XX/XXXX I explicitly provided my consent to Discover to be called and communicated with about this loan. 

I also asked for a complete signed copy of the loan agreement from when the loan was taken out ; however, Discover has not provided that to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Since XX/XX/XXXX I have been asking Bank of America to stop all automatic payments. Now I have 36x {$35.00} NSF fees and they are still adding up. 

First the bank told me the payments will still go through but I will be charged the {$35.00} NSF fee. 

No the payment is not going through, and they are bouncing the payment and still charging {$35.00} for return check fee. 

The Businesses keep trying to charge, and they keep bouncing and charging me. 

Bank of America is so wrong for this.

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