BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-04
Company: Experian Information Solutions 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:
As of XX/XX/2020 I received notification from Experian that the results of my third attempt to amend incorrect data on my consumer file was deemed accurate by the creditor. To add insult to injury, not only did Experian not remedy my file but they added additional incorrect reporting, which continues to hurt my credit worthiness. 

Despite me providing Experian with supporting documentation in writing to subsequent my claim, along with specific instructions to remove those inaccurate items and provide me with the tools they used to verify their decisionI was unable to preclude any of those items. 

On XXXX, XXXX I spoke with an Experian representative over the phone to air my grievances. We both agreed that the information was being reporting inaccurately. However, he advised he was unable to amend anything on his end without the confirmation from the original creditor. I then asked, if we both agree that it's inaccurate where does the responsibility fall on Experian to remedy the situation. Also, why isn't Experian being transparent about the investigation tools that are or are not being used to satisfy my claim. 

I feel both Experian and the original creditor ( US Dept of EduXXXX ) are in violation of the FCRA. I reached out to the creditor directly for resolution and they were unable to provide documentation to support the inaccurate information on my report. 

Someone has to step in. This is not ok

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 2022-10-04
Company: Total Card, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is a continuation of the problem from Complaint XXXX. After the company finally determined I was not responsible for the fraud charges, they " supposedly '' adjustment my account, however, as you can see by the documents I have attached in both of my faxes they ADDED the fraud charges back onto my account!! 
Additionally, all of those interest charges they have on my account were calculated based on the balance with the fraud charges. Why would I pay interest on fraud charges. The same for late fees, I made monthly payments however I was told when I initially called in that the late fees would be waived. 

They have now started to call me and email me daily for collections on my late account payment. I am not going to continue to give them money until they clear up the fraud charges. The first step would be to remove them, permanently. Secondly, they need to recalculate my interest, starting with the interest of XXXX on XX/XX/22 ( prior to the fraud, the interest on my balance was XXXX  ). That alone tells you that they are charging me interest on fraud charges. If I pay the amount they say I owe them, I will end up with a credit and at this point, I do not trust them to honor that credit as they have proved to be quite dishonorable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: GOLDMAN SACHS BANK USA
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:
We have repeatedly contacted Goldman Sacks about the account on our credit report. 

They have been advised this is a fraud account and it was not opened by myself. We have files with XXXX, we filed a police report, and we have written and mailed copies of all the above to Goldman.

They have not removed the fraud account from our credit records.

Goldman Sacks does not appear to want to remove this incorrect fraud account they opened without our knowledge or permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
From XX/XX/XXXX through XX/XX/XXXX I successfully sent monthly bill pay checks from Chase Bank to my Landlord for my office rent. The checks were issued by Chase and mailed via USPS to a mailbox store ( not post office ) named 'XXXX XXXX XXXX XXXX ' at XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX WA XXXX. On XX/XX/XXXX my Landlord emailed me to tell me that there were two missing checks for XX/XX/XXXX. I investigated and learned that one of the 'missing " rent checks had been cashed. I was able to see a photo of the cancelled/cashed check, and learned that it had been fraudulently altered prior to being cashed, and was inappropriately accepted by a bank. The addressee had been changed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ' to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ' ( A XXXX search of XXXX XXXX reveals that he is a convicted burglar in XXXX XXXX XXXX WA ) XXXX I called the mailbox store and learned that there had been a store break-in in early XXXX and all the mail was stolen, and the local police had been notified. I filed a fraud report with my bank ( Chase ) on XX/XX/XXXX ( With an update on XX/XX/XXXX ) and was assigned a claim number XXXX. Later, I received a letter from Chase ( Dated XX/XX/XXXX ) that my case had been investigated/concluded, and it was determined that the check had been authorized, and NO adjustment would be made. It is my opinion that Chase should have recognized that the check was altered, and should not have accepted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: The Receivable Management Services LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently reviewed a copy of my credit report and I realize that I am this company ( Rec MGM Sys ) is violating my rights according to the 15 USC 1692 a.b.c.d. I am tired of being harass about this account. Which is a violation because it is defaming my character. I have attached a copy of my ID.

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 2020-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
As a form of retaliation, Bank of America closed 2 longstanding credit card accounts abruptly following an unrelated complaint related to Bank of America 's credit line increase practices. Bank of America 's treatment of after 16 years with excellent credit is criminal. Retaliation from Bank of America against its customers for filing a complaint against Bank of America can not be tolerated.

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 2018-02-13
Company: General Motors Financial Company, Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THIS IS MY LAST REQUEST FOR RESOLUTION. I WILL FILE SUIT FOR DAMAGING MY CREDIT UNDER THE FCRA. FIRST REQUEST MADE XX/XX/XXXX Company has not reported good status updates in over 30 days. They are required under the Fair Credit Reporting Act to report status once every 45 days. They have not reported since XX/XX/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 2020-04-26
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received my card on the XX/XX/2020 and called customer service after opening the card and seeing the APR I am contacting you regarding my recent application to a discover it card, I received an offer in the mail that stating that I would be getting an APR of 13 % when i received my card I was told that they were giving me 20 % as my APR. 
I did talk to a rude women on the phone who only said that it had to be done at the time of applying. Seeing how it is not clearly stated on the letter with the invitation number I feel as though this is a gross representation of the pre-screened offer that I received. I also never received an initial APR offer of 20 % upon applying or I would have never signed up for the card seeing how much higher it is than what was offered in the mail. Is there any way this matter can be resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: The Law Offices of Mitchell D. Bluhm & Associates
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 information incorrect

Complaint:
There is a collection company after me for a debt from a hospital. I received a letter fom them and the letter says that I owe {$91.00}. I paid XXXX already. They sent a false information to the credit bureau stating that I owe {$150.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: NH
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  is reporting my mortgage 180 days past due while I was in forbearance. I call and they tell me that I need to resolve this matter. They are breaking the law and delay upon delay I. Getting it fixed.

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 2021-06-02
Company: EQUIFAX, 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:
XX/XX/2021 XXXX  credit card bank report balance to equifax  that is not true. There has not been a balance on my account since XXXX this is false reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Experian Information Solutions 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: AZ
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 XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.

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 2021-07-12
Company: United Shore Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage that was with United Wholesale Mortgage was paid off XX/XX/XXXX. There was roughly {$7200.00} in my escrow account at the time. It is my understanding, the Company has 20 business days to refund any balance in our escrow account. Today, XX/XX/XXXX, I check the account to see if the escrow funds were disbursed. The account history shows the funds were disbursed XX/XX/XXXX. Not counting holidays or weekends, the check has been in the mail for 6 business days. This is too long. So I asked customer service if the check could be reissued and she said no, they must wait 30 days before they can even consider re-issuance of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have mortgage for my home with Freedom Mortgage. I pay this bill online with XXXX  XXXX XXXX bill paying service. I have been doing this for as long as I own the house ( approx. 10 years ) without one late payment.

Apparently Freedom Mortgage changed their mailing address again and since I automatically pay them through XXXX XXXX XXXX I was unaware that their address had changed. They said it was on a statement but I don't look that closely at a new address, just go online and paid it. It wasn't until I got the next month 's bill that I saw I owed for two months. That's when I called Freedom Mortgage and explained what had happened. The Rep was very nice, and explained to me about the address change and stayed on the phone with me until the new payment went through with their new address. A couple of days later I called Freedom to make sure they received it after verifying with XXXX  that it had gone out. Freedom said they received it but had already reported me to the Credit bureaus. I was very upset with them since this was my first late payment EVER. Which can be verified at any time with them. I called them and they told me that that's what they do and there's nothing else I can do about it. I am looking into changing my mortgage company. However, I'm asking for someone to please please look into this for me as I don't want my credit ruined. I've lost sleep over this and am hoping that someone can please help me

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 2022-12-07
Company: LEXISNEXIS
State: NV
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:
1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

3. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts 5. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX My phone numbers XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Experian Information Solutions 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:
There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked XXXX where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE OF THE FRAUDULENT ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2020-12-04
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Greetings, My name is XXXX XXXX, This complaint is in regards to the practices and credit algorithms implied by Equifax Credit Reporting Agency. I have been diligently working to improve my credit worthiness over the past 2 years. I have been monitoring my credit scores and activity through all 3 credit bureaus reporting agencies. 

On XX/XX/2020 my Equifax credit scores was XXXX. During that time I was recommended to dispute derogatory and closed account information. Also I made improvements of paying off 5-6 collections XXXX XXXX XXXX XXXX XXXX XXXX, which the company removed the collections from my credit report after payment. Equifax did not increase my score based of this change. The other reporting agencies increase my score ( XXXX and XXXX ). 

During XXXX, I also improved my credit utilization from 25 % to 0 % and removed 1 derogatory / closed account from XXXX XXXX in Michigan. I was anticipating a credit increase, However, unknown and without case, Equifax decreased my score on XX/XX/2020 from XXXX to XXXX ( 35 pt decrease ). I contacted Equifax with intent to gain a understand and to be given a legitimate reasoning to why my score dropped. They were unable to provide cause to why my score decreased. I have expectational payment history and low utilization. Normally, a removal of a closed/derogatory account would be consider a positive action, unfortunately is resulted a negative output. 

I'm concerned that the Equifax is using unfair algorithms and credit practices to determine consumer credit worthiness. In comparison to My fianc Equifax credit report ; he has no credit history ; with 5-6 collections and his score is XXXX. 

I'm extremely frustrated that Equifax was unable to provide reason to the negative change in my credit worthiness. 

Your support and direction is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

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