BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I allegedly had A loan with A company by the name of XXXX  XXXX  in XX/XX/XXXX. I have submitted several disputes to all 3 credit bureaus to have this account removed as It was not my debt and I was A victim of identity theift. Aside from that it has been 7 years since the account was reported delinquent. According to XXXX they have the last activity date for the account as XX/XX/XXXX and Experian and XXXX  has --. I reached out to XXXX at XXXX  XXXX r and he provided the attached itemized statement below showing the account went into delinquent status on XX/XX/XXXX because their was no payment made. I spoke with XXXX at XXXX  XXXX branch number XXXX at XXXX  XXXX  who also informed me there was never A payment made on the account since it was open XX/XX/XXXX. He informed me the XX/XX/XXXX date that XXXX  has reported was the day the account was charged off as A bad debt. According to the three credit bureaus websites and law it states A charged off account should fall off after 7 years from the FIRST DATE OF MISSED OR LATE PAYMENT on the charged off account. According to world finance the account went delinquent on XX/XX/XXXX which mean As of XX/XX/XXXX this account should be removed from all 3 reports. I have submitted several disputes and have been unsuccessful with getting A response. It is A violation of my rights to continue to report inaccurate information. If needed the 3 credit bureaus should contact world finance to confirm the information provided in the dispute for clarity that this account was fraud and it has now been 7 years and should be removed completely from my report effective XX/XX/XXXX or you will be in violation of FDCPA laws!

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 2021-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
My credit report shows a capital one credit card with a balance of XXXX dollars that I do not recognize, I have years disputing that account and I contacted capital one they always inform me that they will treat this account as fraud but they never solve anything and continue to report it in my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I became a customer of Synchrony Bank when I purchased my furnace. I was offered a 24 month interest free credit card which expired on XXXX/XXXX/XXXX. I have never used the card for anything other than the initial purchase. It was always my intention of paying this account in full by the expiration date. 

At the request of Synchrony Bank I signed up for electronic statements. On Thursday, XXXX XXXX, XXXX, I noticed my balance was much higher than what I recalled owing on the account. After further review I realized I was past due on paying off my promotional balance. I had this account setup to pay through my bank and did not review the statement showing the balance was due on XXXX XXXX, XXXX to avoid the additional interest. On the monthly e-mails from Synchrony, it was not evident that my promotional period was expiring. 

It was an oversight on my part and I have since switched to paper statements to avoid this type of error in the future. It was always my intention to pay this account in during the promotional period. It was not readily apparent to me that the full balance was due on XXXX XXXX. If I had been aware that the full balance was due on XXXX XXXX, this account would have been paid off then. 

I wrote to Synchrony requesting that the deferred interest that was charged, {$2500.00}, be waived. I enclosed a check for {$3300.00}, which represents the promotional balance that was outstanding ( which they cashed ). I am currently in good standing with Synchrony with this account as well as other accounts I have had with GE Capital/Synchrony. I  am very conscientious about paying my bills on time which is reflected in my excellent credit history. 

I also feel the interest charged of 29.99 % is exorbitant. 

Synchrony denied my request. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 3 fraudulent transactions charged on our BOA credit card on XX/XX/XXXX & XX/XX/XXXX. I notified BOA right away, and closed the credit card. My wife filed the police report right away. When we talked to the BOA fraud department, they said that they mailed out duplicate copies of the credit cards ( without our permission and without notify me ) on the week of XX/XX/XXXX. Our family happened to be out of town that week, so we put the mails on hold. According to the BOA record, the mails with the duplicated credit cards was delivered on XX/XX/XXXX, the date that the mails were on hold at our local USPS. I never receive those duplicated credit cards when we come back. This is the evidence that the local USPS lost this particular mail. 
I file the fraud claims, and the claim was declined. I re-appealed and asked for re-evaluation and faxed in the police report. BOA still declined my fraud claim, and refused to give me back the credits for those fraudulent charges. I asked BOA to provide evidence of the merchant receipt of those charges to show the signature. BOA can't provide the proof. BOA stated the reason is that I have made purchases with the same merchants ( XXXX ) before ; therefore, those are not fraud charges. This reason is totally unacceptable.

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 2021-03-30
Company: Shellpoint Partners, LLC
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:
I have a negative item on my Fica XXXX  Report. The Account is with New Res - Shellpoint MTG Account # XXXX mortgage Account. 
it's a second mortgage. 
This account Original creditor was Green Tree Serving it was sold to a company that sold it to the above mentioned Creditor. This account was Discharged in Bankruptcy Court Case No XXXX. XXXX XXXX It is ordered that has been fully administrated. Chapter XXXX discharge. 
Dated XX/XX/2011. Shellpoint MTG can not give any payment updates or anything to any of the credit reporting Agencies.They have not corrected this!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: National Credit Services, Inc.
State: DC
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 contact the 3 credit Bureau in regards to reporting inaccurate information on my credit report regarding inaccuracy about the dates of delinquency regarding my student loans. I asked repeatedly for them ti report the correct information or remove it from my credit report. Who hold my account to validate and provide me a copy of the investigation of my disputes in which they all refused to do so

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have requested inaccurate and unverifiable inquiries be removed from my credit report via FCRA laws. I have requested written proof be sent to me and this was not done. I was the victim of identity theft and I requested that theses inquiries be removed ASAP and this never happened

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 2018-07-29
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
American Express - Credit card charged my annual membership fees for the card that is not activated, I tried to inform their customer support there is not a single transactions and card was not activated at all. 

Credit Card was issued via XXXX XXXX. I honestly did not know or was informed there was membership fees, When the card was approved, I tried to used it for air miles but could not use it since the card was not activated have to wait for 15 days to get the card. I immediately called Amex to cancel the card, As I need miles now, If i can not use the miles now, their credit card is no use to me. AMEX support rep. mentioned card is approved, best would be not to activated.. and trash the card.. which I did and forgot about the issue. After that I never received any mail or statement almost now 12 month.. last week I received the annul membership fees statement.. kind of surprise informed credit co. support, they mentioned not to cancel credit card as it damages the credit. but I went ahead and cancelled the credit card. 

I am told I am still liable for membership fees, irrespective of card active or non-active.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I already informed you that the items included in the letter I submitted were erroneous and inaccurate. I feel betrayed because the items are still there on my report after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have consistently called them trying to make a payment I could afford. They gave me no options at all to repay this loan other than putting it off over and over again. {$1000.00} a month is an insane amount. I had just had a baby and explained I could not afford that. I called them several times a month which they have in their system. No one helped me or gave me options. Please listen to our conversations if you could. I investigated myself and read that I could do a plan which starts low and goes up higher over time. I decided to do this and told the representative and they were not eager to provide this plan. Again gave me all different information on payments everytime you call its one amount and you get a bill for another. Please again listen to the conversation verses the bills they sent. They dont match which is why I had to keep on calling. So I ask why this keeps happening. They say its an estimate. So your making me agree over the phone to pay an estimated price then you bill me another? After agreeing to yet another payment plan they sent me several bills with different amounts. So I call again. They say the system is backlogged and to ignore them. I was to start paying in XX/XX/XXXXstill no corrected bill of what I will actually pay. Lack of information on the phone. They put several over 120 day late notices on my credit report and now I am having trouble obtaining loans and credit cards due to their incompetence. I have wrote to their credit department to have it removed and they will not remove it because they are in the wrong. Please help me to remove these reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan was servicing my home mortgage at XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, we sold the home in XX/XX/XXXX& moved to XXXX  FL inXX/XX/XXXX. I never received my escrow check as I closed out my mortgage with them. I was a victim of mail fraud, provided all the proper documents to them & XXXX XXXX who cleared the check in XX/XX/XXXX. This has been going on for over 6 months without any closure on the issue, horrible customer service on where the case stands. I call XXXX XXXX every 2 weeks & they tell me the case is still open/pending, & no one at Rushmore gets back to me after continuous voicemails & emails to my initial given POC. XXXX XXXX says they can't help me or provide any further details since my dispute/claim is with the issuer of the check of Rushmore. The amount is for {$5300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Initial Dispute sent approximately XX/XX/XXXX Via XXXX XXXX 2nd Dispute sent approximately XX/XX/XXXX Via XXXX XXXX I have included all accounts in question. And since this credit bureau chooses again and again not to perform a complete investigation. I am sent this as an official complete before seeking out legal aid in hopes of good faith that Equifax will delete these accounts off of my credit report due to these errors and violations. I am hoping CFPB can assist me. 

- XXXX - XXXX  Multiple Errors 1. No payment history reporting, how can I prove that I wasnt late? DELETE THESE ACCOUNTS DUE TO CLEAR FCRA VIOLATIONS 2. Dates wrong in every account DELETE THESE UNVERIFIED ACCOUNTS. 
There are 2 counts within this listing of FCRA VIOLATIONS. If I were to seek legal aid that would grant me {$2000.00} in damages alone. I am not trying to just jump and sue, I want my accounts fix. DELETE ALL ISSUES. Or I will be force to seek out legal council. 


- XXXX XXXX XXXX  ( 5x ) 1. Duplicate account shows 5 times DELETE ALL ACCOUNTS DUE TO ERROR 2. No payment history reporting, how can I prove that I wasnt late? DELETE THESE ACCOUNTS DUE TO CLEAR FCRA VIOLATIONS 3. Dates wrong in every account DELETE THESE UNVERIFIED ACCOUNTS. 
There are 3 counts within 5 listed accounts ( 15 counts ) of FCRA VIOLATIONS. If I were to seek legal aid that would grant me {$15000.00} in damages alone. I am not trying to just jump and sue, I want my accounts fix. DELETE ALL ISSUES. Or I will be force to seek out legal council. 


INVESTIGATION HAS TAKEN LONGER THAN 30 DAYS FOR : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX ( 1 ) This 4 accounts above where NOT investigate in time. It is now 60 days past my original dispute date. ( 2 ) THESE ACCOUNTS NEED TO BE DELETE IMMEDIATELY DUE TO A CLEAR VIOLATION OF THE FCRA. ( 3 ) THESE ACCOUNTS ARE NOT VERIFIED. ( 4 ) THESE ACCOUNTS HAVE NOT BEEN REVIEWED IN A COMPLETED INVESTIGATION. ( 5 ) THESE ACCOUNTS HAVE NO METHOD OF VERIFICATION. There are 5 counts within 4 different accounts ( 20 counts ) of FCRA VIOLATIONS. If I were to seek legal aid that would grant me {$20000.00} in damages alone. I am not trying to just jump and sue, I want my accounts fix. DELETE ALL ISSUES. Or I will be force to seek out legal council. 


There are is GRAND TOTAL OF 37 counts within 9 accounts listings of FCRA VIOLATIONS. If I were to seek legal aid that would grant me {$37000.00} in damages minimum alone. THIS IS A VERY SERIOUS MATTER. Your attention is of the most importance please. I am not trying to just jump and sue, I want my accounts fix. DELETE ALL ISSUES. Or I will be force to seek out legal council and seek out 100 % of my remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX agreed to remove account number XXXX from my credit report. They are the only credit report that has it. XXXX and XXXX already deleted. it. Please take it off ASAP!!

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 2020-10-10
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When COVID happened I was laid off and enrolled in the home loan forbearance plan through new American funding, which was supposed to defer my loan payments and place them at the end of the 30 year fixed term. I am now receiving bills in the tens of thousands of dollars and contacted new American funding. They have stated that I am being charged additional interest per month that I do not make a payment. Approx $ XXXX/day. I was NEVER made aware of this additional interest, and could have borrowed the money from a bank for less than this amount had they been transparent about it when I enrolled in the program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 signature was forged on a student loan document as a guarantor for which I had no knowledge of. When defaulted, I was not notified as lender did not have my address or any other info about me. When I discovered, I made payments, in spite of not owing, and eventually paid/satisfied the debt. Creditor has reported to credit bureaus that any disputes have been paid and resolved, yet credit bureaus have not deleted this erroneous listing from my reports, in spite of creditor 's request.

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 2018-03-13
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were paying on a mortgage loan and had no idea that the note and mortgage was canceled. The date and time in question was XX/XX/XXXX. We then received a notice around XX/XX/XXXX that stated Wells Fargo will be servicing the note. But during that time around XX/XX/XXXX XXXX XXXX XXXX filed in the clerks office an Affidavit and notarized statement stating they were last holders of note and mortgage and was canceling The note and mortgage. 
The major problem is Wells Fargo continued to service this note and mortgage from XX/XX/XXXX to the present. 
I am now under the impression that Wells Fargo have been defrauding us, because they have been receiving payments from us and servicing this loan from XX/XX/XXXX to the present XX/XX/XXXX while this note and mortgage have been officially canceled on 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 explanation
Consumer complaint received 2020-02-06
Company: EQUIFAX, INC.
State: DC
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 contact the 3 credit Bureau in regards to reporting inaccurate information on my credit report regarding inaccuracy about the dates of delinquency regarding my student loans. I asked repeatedly for them ti report the correct information or remove it from my credit report. Who hold my account to validate and provide me a copy of the investigation of my disputes in which they all refused to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Two medical debts are being reported by Receivable solutions that were a result of fraud that I believe was used by a relative with a similar name. I have disputed this debt and have furnished it to the credit bureaus as well but this collection agency continues to cause me damages by reporting these negative accounts that I 'm not responsible for. Please help me to resolve this matter quickly and amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: COAST PROFESSIONAL INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
i had complaint to the state of education about this? i dont know who is this third company COAST professional they have a XXXX XXXX XXXX XXXX XXXX LA XXXX. this company doesnt even say where its from. I have disputed this was cancel and i inform the state of educ. I have a XXXX  and there were no loan borrowed? all this was cancel and they wrote the wrong name. very unprofessional acct XXXX for XXXX. all this is wrong?? no school, no loans, this company is fraud. i spoken to XXXX. But i never borrow anymoney from them so how can they say i own them money. im not sure where this from .should be all cancel, no name, no endorse loans. I have a XXXX. this dedt company is trying to go around it because it was discharge. i never borrow any money and they have someones wrong information. i dont know if this is vocational or third party. I never took a test or sign anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation