BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-24
Company: Lendmark Financial Services
State: ID
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:
Paid off loan on XX/XX/XXXX in amount of XXXX was told 110 days to get off credit report, account still shows up on report at XXXX with an update report of XX/XX/XXXX. When called to see why it has n't reported clear yet they give run around as if my problem and not theirs nothing but excuses and hung up on several times

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: MoneyLion Inc.
State: SC
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:
My name is XXXX XXXX. Im a victim of fraud. I realized this account been on my credit report after realizing XXXX had to credit file for me. I tried calling the company but I been on hold for an hour or two for months. So, I informed the credit bureaus with my police report that this account is not mine. It has been deleted and blocked from XXXX and XXXX ; however its still reporting to XXXX. The account number associated with the account is XXXX. This is the information off the credit report. I never open an account with this company. I spoke to someone with Moneylion finally on Tuesday XX/XX/2019, and I couldnt get any resolution. This company is ridiculous. Also, XXXX have police report on this item and will not remove fraudulent item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: EQUIFAX, INC.
State: OH
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:
The burden of proof is on Equifax, XXXX, and XXXX not the consumer. I am tired of this cat and mouse game with these CRA 's. I have sent a METHOD OF VERIFICATION letter to Equifax, XXXX, and XXXX did not verify the two collection accounts on my credit. XXXX XXXX and XXXX XXXX are not my accounts they are fraudulent accounts/not mine. Equifax, XXXX, and XXXX are not allowed to tell me you will not reinvestigate a dispute according to FCRA 611 ( a ) ( 7 ). I sent a method of verification to Equifax, XXXX, and XXXX and I sent a validation letter to the collection agencies. Neither collection agency validated the accounts so therefore I know for a fact you did not verify these accounts. You also reinserted the accounts without verifying nor validating and that 's against the law. I have not given any third party collection agency permission to share any information if the accounts were valid. I will be sending a certified letter to the CEO of all CRA 's concerning this ongoing problem and I will be starting legal action against Equifax, XXXX and XXXX. XXXX is not a valid form of verification. These accounts do not belong to me and I want them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: JPMORGAN CHASE & CO.
State: PA
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:
On  XXXX / XXXX / 2017 ,  CHASE CARD i nquired into my various credit files without my authorization or knowledge. They subsequently contacted me and advised me that a fraudulent application had been submitted in my name, they caught it in time, and were deleting their various inquiries " promptly. '' It is now  XXXX  and the fraudulent inquiries remain despite numerous calls to them and assurances in turn that this would be done. Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to BANK OF AMERICA for a home mortgage loan which was preapproved I have complied promptly with all requests for documents and based on the preapproval I made an offer to purchase a property at XXXX XXXX XXXX, XXXX XXXX CAXXXX the offer was accepted on XX/XX/2019. Today I was supposed to remove the loan contingency however I received a call from the assigned loan officerXXXX, XXXX, informing me that the underwriter is not willing to approve the loan without giving me a reason.

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 2019-06-17
Company: EQUIFAX, INC.
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:
I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply fo..Remove XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Experian Information Solutions Inc.
State: HI
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 am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply forXXXX   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 2017-07-08
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On all  XXXX  credit agency reports, it is listed that I filed Chapter  XXXX  bankruptcy on  XXXX -2013. I have filed a dispute with all  XXXX  agencies several times and they have come back with the decision that the information is accurate.   XXXX  It is NOT accurate as I filed a Chapter  XXXX  bankruptcy on that date and NOT a Chapter  XXXX . If they truly did investigated the dispute, they would have found this information was inaccurate and should have been removed from my credit reports.   XXXX  However, I do not believe that it was investigated, and this is fradulent activity on the credit reporting agencies part.   XXXX  I would like this bankruptcy information on that date removed immediately.   I have the paperwork of what type of bankruptcy was filed and am able to provide that to prove that this is inaccurate and should be removed from my credit report.   XXXX  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 2019-08-03
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On two past occasions ( within a year ) I learned that I had missed payments from my Citi Advantage Credit Card. I wasn't sure because I am very organized and we always pay our bills on time and pay off the entire amount. This particular credit card, we rarely used too so it always had a very small balance ( normally, less then {$50.00} ). On the 2 occasions I was told I had signed up for paperless statements which I do not recall at all and would not have done that on purpose. I like paper copies because I note when I make payments and I like to write down when I made the payment and I file it away. This past month ( XXXX ), apparently it happened again. I called and asked to have the late fee ( {$25.00} ) and interest ( XXXX cents ) removed and they said no because they had removed it 2 already within the year. The credit card bill total was for for {$52.00} plus {$25.00} plus XXXX cents. I closed the account immediately but they still refused to credit late fee and interest. 

I told them that Citi has designed their website so when people first login to their account they " purposely '' and willfully attempt to get consumers to click on paperless. I think this is more than an attempt to save money from just sending electronically vs sending via the mail, I would argue that Citi is making large profits off this when people receive these late payments and either just pay them off or refuse to go to the trouble to fight it like I am. I believe this could be huge and could help many others. Companies should have to have 3 alerts to ask you if you are sure you want to receive paper copies. They want this to happen.

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 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On all  XXXX  credit agency reports, it is listed that I filed Chapter  XXXX  bankruptcy on  XXXX -2013. I have filed a dispute with all  XXXX  agencies several times and they have come back with the decision that the information is accurate.   XXXX  It is NOT accurate as I filed a Chapter  XXXX  bankruptcy on that date and NOT a Chapter  XXXX . If they truly did investigated the dispute, they would have found this information was inaccurate and should have been removed from my credit reports.   XXXX  However, I do not believe that it was investigated, and this is fradulent activity on the credit reporting agencies part.   XXXX  I would like this bankruptcy information on that date removed immediately.   I have the paperwork of what type of bankruptcy was filed and am able to provide that to prove that this is inaccurate and should be removed from my credit report.   XXXX  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 non-monetary relief
Consumer complaint received 2022-03-02
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2021 a cfpb complaint was filed against Synchrony bank for their debt collection abusive practices. A cease and desist sworn affidavit was certified mailed to Synchrony bank. They were instructed to cease and desist both via cfpb complaint and certified mail. Synchrony bank has continued to harass I, the consumer, with repeated phone calls multiple times a day.

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 2017-11-13
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a letter from National Credit Systems , Inc indicating that I owed them {$9100.00} and that the original creditor was XXXX XXXX XXXX XXXX. Therefore on XX/XX/XXXX I mailed a validation letter requesting information regarding the account. I lived at the XXXX XXXX XXXX and when my lease expired I moved. I left the apartment clean also. The owner is taking advantage of me and my family. I believe that they are taking advantage of me because of my limited English and country of origin. I am requesting that they provide proof of the debt that they claim I owe them. This account is impacting my ability to find a safe place for my family and impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
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 status incorrect

Complaint:
XXXX , Equifax and  XXXX  credit bureaus continues to list   XXXX   XXXX   XXXX    XXXX  delinquency on my credit report. The listing creditors have closed accounts and requested that the credit bureau remove them from my credit report. However,  XXXX , Equifax and  XXXX  credit bureaus have failed to remove the negative listings. I have filled disputes and contacted them through phone requesting for them to remove these delinquencies. They have yet to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Someone was able to gain access to my Western Union online account and they tried to send money to an individual by the name of XXXX XXXX  XXXX XXXX XXXX XXXX. I received an email notifying me of the transactions being made and went ahead and cancelled the transactions and notified my Bank of the fraudulent activity and removed my payment information from my Western Union account. I tried changing the password and was unsuccessful, so I contacted Western Union via a chat session. While, I was online resetting my password the Hacker was able to regain access to my account and add additional debit cards that were not mine and tried to send more money via my account. I was not able to cancel one of the transactions so I informed the chat agent of the situation and he was able to suspend the transaction, since I reported it as fraud. I was then advised to contact Western Unions fraud department and they were able to further assist me with canceling the transaction and deactivating my account. While on the phone with the fraud department the hacker once again tried to make another transaction, and I was able to cancel it. I reported this to the agent and she was able to flag it as fraud. While on the phone with Western Unions fraud department the hacker tried to call me and perform a vishing attack, the person called me from the following number : XXXX. I reported it as spam online and with my carrier.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: AES/PHEAA
State: MA
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The account FEDLOAN SERVICING is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have several XXXX XXXX credit cards that I have falled deliquent on. I have recieved several calls a day to my cell, my husbands cell, my inlaws and my neighbors number. I have called and spoken with 3 different managers asking to remove all phone numbers and only communicate via mail. I have also stated that I will be filing bankruptcy within a few months and do not call me. I have continued to recieve calls and they have called in my inlaws telling them that I havent paid my credit cards in months. Then I have had several calls from " specialist XXXX '' claiming to call about my XXXX card with this bank stating since I have ignored her attemps to call me now my IGNORANCE will be documented as a refusal and she she sending my " complaint '' to a higher department. SHE LEFT THIS ON MY VOICE MAIL AFTER I CALLED and spoke to a manager telling them to cease and desit ALL PHONE NUMBERS and I am continued to be harrassed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: EQUIFAX, INC.
State: IL
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 noticed an increase on my loan amount from XX/XX/XXXXfor over XXXX, with XXXX XXXX XXXX. I have tried to talk to them to explain to me about these discrepancies. Today XX/XX/2019 I called 4 times and every customer service representative has either transfer me and hanged up on me before I can get this issue resolved. I am very disappointed as to how XXXX XXXX XXXX has handled this issue. These information appeared 2 weeks ago because on Equifax, XXXX and XXXX. I am trying to purchase another property and I can not do it without them changing the information. It appears to me that there is some fraud activity going on and they don't want me to know or to give up clarifying. I have requested for the Fraud Department mailing address and it was not provided to me. I wish some more people come forward and report any of these similar activities with their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am using an app called XXXX to buy online lottery tickets in my state. When I try to connect my bank with the application to have the payouts from my winnings transferred into my bank account I get an error message that states that my bank made a change to their system and is not allowing the connection. XXXX advised me that they are working with my bank to resolve this issue but they also advised me to file a complaint with you, so that I can get access to my account and have it connected with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Focus Holding Company
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX Keeps sending me to collections for a bill that is not owed I had a prepaid account so I paid I advance for services and upfront I have no contract with XXXX XXXX XXXX and XXXX  both took the collection off and now XXXX XXXX  sold it to another 3rd party company and now it is back on my XXXX credit report with a different collection then before Company called focus receivables management XXXX XXXX should be in trouble hirting peoples credit for bills that are not owed to them my credit score went down 75 points for a bill I do not owe XXXX should now be allowed to do business that way

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: U.S. BANCORP
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
US Bank auto lease reported a 30 day late payment on my report on XX/XX/2018 but the vehicle was purchased by a car dealer and traded in for a different vehicle on XX/XX/2018 before the lease payment due date on the XX/XX/XXXX every month. Attached doc showing trade in and purchase of the USB lease vehicle : 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 non-monetary relief
Consumer complaint received 2017-11-02
Company: Experian Information Solutions Inc.
State: OR
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: Other problem getting your report or credit score

Complaint:
With the recent outrageous Experian breach, I checked the website and it said we could be part of the 143 million consumers harmed by their lack of security. On the Experian website, at their suggestion, my husband and I both froze our credit because we were instructed that it could be unfrozen at any time. Now we are meeting with a loan officer tomorrow to obtain a mortgage loan to move closer to our children. When I attempted to unfreeze our credit record, I was informed that we must send a letter by snail mail along with {$10.00} each to unfreeze our credit. This outrageous extortion will cause my husband, age XXXX, and myself, age XXXX, extreme inconvenience. Ca n't anything be done about this travesty? We did not apply for this credit report with Experian and feel we should not pay anything for their lack of security practices. Shut that company down!!!

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