BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Have written to XXXX, Equifax and XXXX  3 times in regards to XXXX   XXXX XXXX ( as well as several other issues on my credit report ). XXXX   took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2009 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I obtained a store credit card - XXXX XXXX XXXXssued by Comenity Bank. The store manager offered me 0 % for 24 months and I made a purchase of furniture. When I received the statement I realized the XXXX XXXX put the wrong terms on the card - 1 year instead of 2 years that I agreed to. I called Comenity to make them honor my chosen terms and they haven't done anything about it. I called Executive Managment at XXXX XXXX and they promised they would fix it and the account is still billed wrong, for minimum payment of {$1000.00} instead of a lower amount. To make things absolutely worst, Comenity reports 4 late payments on credit reports that is very damaging to my up until now perfect credit history. 

I am seeking your help with this that they correct my account and remove the late payments as this is admittedly their negligence on my account, and not mine. 

Thank you. 

I am including the documents evidencing this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-17
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: Their investigation did not fix an error on your report

Complaint:
Have written to XXXX, XXXX and Experian 3 times in regards to XXXX XXXX XXXX ( as well as several other issues on my credit report ). XXXX   took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX XXXX above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN XXXX AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

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 2021-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
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:
I noticed my card was missing so I called my bank to let them know we found a couple of unauthorised charges on my account and we disputed it. A few weeks later I saw the charges posted on my account with a letter saying that they couldnt determine if there was a fraud based on no information. I called the bank again and the my decided to reopen the case and since then I havent heard anything from them tried to call a few times with no straight answer. This complaint will be my first step before going to the legal direction.

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: I.C. System, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no knowledge of this account, and am unsure of the debt. I have not received a notification to initiate a dispute for this information, 809 ( a ) of the Fair Debt Collection Practices Act. Under 809 ( a ) ( 3 ) of the act, I know that the 30 days starts upon receipt of notification to dispute. However, I have not even received the information, regardless of when it was mailed out, and it is affecting my credit report. I want this information to dispute the debt, and receive validation of this supposed debt that I have no knowledge of.

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: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX and Experian reporting that I owe XXXX for a car I paid nearly 3 years for. They offered to trade this car for a new one. I did not and told them to pick this one up because I was not going to pay a high car note. The car had low mileage, only XXXX miles.

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 2017-06-28
Company: Law Offices of Robert J. Colclough, III
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Robert Colclough, III attorney has obtained a judgment in  XX/XX/XXXX  ( that I was never served a summons for, nor did I get any kind of communication that I was being sued ) for a credit card debt that was charged off in  XX/XX/XXXX . He recently obtained an earnings withholding order to garnish my wages. My issue is that according to the statute of limitations in California, he should n't have been able to obtain the judgment, secondly I sent him a letter last  XX/XX/XXXX  stating I wanted the original creditor 's signed agreement with me, all charges obtained with that credit card, and  a breakdown of the total amounts due. He neglected to provide any of those things that by law I am entitled to. According to the Fair Debt Collection Practices my rights have been violated and I want recourse. I am pursuing ever y legal avenue ava ilable to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Experian Dispute Results, dated XXXX, demonstrate four Credit Items that need to be remonstrated with in order to raise my FICO Score from XXXX ( the current score ) to a XXXX ( ideal ). These Credit Items are : 1 ) XXXX XXXX XXXXXXXX : Partial Acct. # XXXX : On XX/XX/XXXX I requested a scheduled adjustment ( # XXXX ) to have this item REMOVED since the said lender has not been my morgator since XX/XX/XXXX ; 2 ) XXXX XXXX XXXX : Partial Acct. XXXX : I plan on paying this in full ASAP ( {$170.00} ) ; 3 ) XXXX : Account # XXXX ; I have asked the Department of Education to be absolved from this obligation as most of it originated from the University XXXX XXXX ; 4 ) XXXX - XXXX XXXX # XXXX ; I would like this record expunged from my account as the REPOSSESSION took place back in XX/XX/XXXX - five years ago ; 5 ) XXXX XXXX XXXX ( # XXXX ) ; This account has been current XX/XX/XXXX and I would like the positive score to help raise my FICO score ;

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 2019-06-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
FCO has reported a collection on my credit report this year. I had no idea that I had a collection because I pay all my bills on time. I reached out to FCO who collected all my personal info, confirmed my address with them then stated their harassing calls to my home and work demanding a payment. I never received any collection letters I didn't know I could dispute the amount ... I finally gave up and agreed to pay the amount in lieu of deletion. FCO agreed to settle but did NOT issue any settlement letters or deletion letters. FCO told me they would only issue a deletion letter if I paid immediately over the phone, which I did. Now they are refusing to issue any letters or to delete this account in its entirety from my credit report. I paid but didn't get what we agreed on. Still no letters from them, please help ...

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 2018-03-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In XX/XX/XXXX I filled a dispute for accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.  Bankruptcy Ch-XXXX, And Hard Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX/XXXX   XX/XX/XXXX 3. XXXX/XXXX XX/XX/XXXX 4. XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Using their online dispute tools, I wrote : I have no contract with this 3rd party collection agency, therefore Im not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

And, I did not file bankruptcy, therefore im Not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

On XX/XX/XXXX Equifax removed the account from my credit report. But on the same day XXXX   allowed XXXX XXXX XXXX to resubmit the false information. 

And there is an account, XXXX XXXX XXXX XXXX, on my Credit Report that does not belong to me. I disputed this information with XXXX requesting validation of the account ( i.e. any contracts or proof of agreement to pay ). I still have not had this item removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
{$810.00} in old medical debt. I dispute the services. The services were never authorized.

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: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
For close to three years, I have paid my mortgage payment on time using the online bill pay system. In XX/XX/2019, I logged in to pay my bill as I always do and submitted my payment. However, in XX/XX/2019, when I logged in to submit my XXXX payment, I saw a notification alerting me that I was over 30 days past due on my XXXX payment. I immediately paid both, but the XXXX payment had slipped past the 30 day mark by a hair. 

Fifth Third bank has never provided me email notifications when a payment is late, when a payment is submitted or when a payment is received. Furthermore, I didnt receive any other communication alerting me that I was past due ( no phone call, no letter ). These are basic services a large bank such as Fifth Third should provide, and yet they don't. 

This late payment was reported to all three credit bureaus and has lowered by credit score significantly. I submitted a dispute directly to Fifth Third, pointing out that their online bill payment system didn't process my payment, nor did I receive any communication and asked them to remove the late payment from my credit reports. 

I received a form letter today, denying my request. At no point during the dispute period did I receive a phone call, an email or any communication acknowledging they received the dispute, or any communication on the status of it. Nor did they make any attempt to gather any additional information. I had to go into a branch and beg for a local manager to help. He tried but was also left in the dark.

The onus should be on the bank to show some form of evidence that their banking system ( and subsequent communications to me ) DID NOT fail. As an XXXX professional with over 15 years experience in e-commerce systems, I am keenly aware that websites do not perform at 100 % at all times. Packets drop, requests get backed up in message queues or get lost, and transactions fail. Show me proof that I never logged into my account in XXXX. Show me proof that you sent an email that bounced back, or a letter that was returned to sender. Instead, they have responded with a form letter stating my " account is being reported accurately. '' This is beyond poor customer service. This is a failure of the core communication and notification services they should be providing ( and claim to provide ) to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: I.C. System, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX XXXX, XXXX, and I C SYSTEM ( Original Creditor : 11 XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, and I C SYSTEM ( Original Creditor : 11 XXXX XXXXXXXX ) with no successful resolution. There was definitely an error on their part.

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: NY
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:
an credit card account is being reported on my credit report i am requesting cease and desist all communication and debt collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from XXXX to Nationstar/Mr. Cooper effective XX/XX/2018. At the time of the transfer, XXXX was processing three insurance claim checks totaling {$26000.00}. The checks were for water damage repairs sustained at my house on XX/XX/2018. I had provided XXXX with all documentation necessary to release the funds to me, but the checks were not processed in time prior to the transfer ( it was still within XXXX 's 3-5 business day processing window ). 

Since the transfer of my mortgage on XX/XX/XXXX ( nearly two months ago ), Nationstar has failed to release these funds to me. Both my contractor and I have called Nationstar over a dozen times in the last two months to determine why the funds have not been released and we keep receiving different answers. We have been told numerous times that they have all documentation necessary to release the funds, but only to be told more documentation is necessary. Most recently, I was told on Monday, XX/XX/XXXX they needed a signed contract from me and my contractor, although they already had the signed contract on file. Nationstar also confirmed at that time that no further documentation was necessary. Today, XX/XX/XXXX, Nationstar has now informed they need another XXXX provided by my contractor even though they acknowledge they already have a signed copy of the XXXX in their files. The endless requests for documentation ( which they already have ) have caused numerous delays in receiving these funds. Nationstar 's refusal or gross negligence in handling this claim is causing my contractor to be unable to pay his own bills and payroll and to threaten legal action against me for nonpayment. 

In conjunction with the handling of my insurance claim, Nationstar has mishandled both of my mortgage payments in the first two months they have held the loan. As of XX/XX/2018, my account is showing past due even though I have provided full payment for each month timely. They have explained to me the error was caused by applying the funds as additional principal instead of to interest and principal. Please note that I had set up and authorized these payments pursuant to Nationstar 's own autopayment procedures. 

( Based on the information stated on the CFPB 's website, I do not want to attach any of my documentation through this portal at this time. Nationstar has records of everything pertaining to my file as is. I will be happy to provide loan and claim numbers upon their request directly. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have recently received my current credit reports from Transunion, XXXX and XXXX and they all show different information regarding my closed XXXX account. The dates reported late are incorrect. XXXX shows 90 days late twice and 6 other times late 60 days late. While Transunion and XXXX shows the same account 60 days late twice and 30 days late 6 other times. This is the same information I disputed a while back as being incorrect but now I have the proof. It has been reporting incorrect all this time, if they are pulling information from the same source how is this misinformation being reported differently on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20
Company: EQUIFAX, 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 have some addresses that are not mines possibly fraudulent I have a EX boyfriend I believe has been using my name to order accounts for shopping. I never lived in XXXX XXXX XXXX, XXXX, OH XXXX. My current and only address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX in my life. Please remove the following addresses. My Name should appear as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX GREEN XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have a unverified account that is not accurate showing on my credit file from a XXXX XXXX # XXXX. this account should be deleted ASAP it is not right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: ALLY FINANCIAL INC.
State: OK
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:
Ally hired XXXX XXXX XXXX to collect on an alleged debt for about {$3300.00}. They advised me they are authorized to collect and I verified this with Ally. I settled the alleged debt in FULL for  {$1300.00} on XX/XX/2020. I have the letter from their authorized representative stating this. I have disputed with all three major credit agencies and Ally continues to damage my credit by verifying false information. Here is the quote from their representative : " We are an authorized representative for Ally Financial. This letter is to confirm receipt of your final payment of {$1300.00}, received on XX/XX/2020. Upon clearance of funds, the above-mentioned account will be closed as settlement in full. '' The document I have attached, that the company sent me as proof of payment in full, is protected with the last four of my social security number and can be opened with that 4-digit number.

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 2020-06-23
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I use the app XXXX  to help me save money and now I am being told Im not allowed to link my bank account to this app. This app saves money for me and also helps pay on my credit card. I have been using it for well over a year and absolutely love it and have had zero issues with unauthorized access to my bank account and so forth and would like to continue to do this.

Company response to consumer: Closed with explanation