BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-03
Company: Experian Information Solutions Inc.
State: NY
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've asked XXXX XXXX directly as well as TWO complaints via CFPB. The company is refusing to respond to complaints both to myself and CFPB!!! This has been for months. This is not mine. I need this taken off my credit report ASAP, please!!!

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 2022-04-01
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: Account information incorrect

Complaint:
XXXX credit card services changed my method of billing delivery at some time in late XXXX. For more that 30 years my wife and I have received ONLY PAPER statements for the following : XXXX credit cards, XXXX automobile insurance premium, homeowners insurance, automobile loans, and checking account. At no time in those 30+ years have we ever requested or received an electronic billing statement. This specific credit card account often had no minimum payment due OR there was a zero balance. In early XX/XX/XXXX I received a notice from XXXX XXXX Credit Reporting company that my FICO score had dropped XXXX points ( XXXX to XXXX ). I immediately learned that XXXX had reported a past due of {$41.00}. I immediately spoke with XXXX and paid the full balance and filed a " dispute '' regarding this " past due ''. XXXX immediately refunded their late fee, and initiated the investigation. On XX/XX/XXXX I spoke for nearly an hour with a XXXX XXXX XXXX XXXX representative. That advocate informed me that she had completed all research on the matter and specifically stated that " we have no idea how this happened ''. Furthermore, she stated that " I have done all of the research and there is no process/procedure/facility to determine how, who, when or why this change was made to my account ''. Ten ( 10 ) days later, another representative from the XXXX group informed me that they were not going to correct the error on their delinquency report. And in complete contradiction to the earlier two conversations with XXXX that SHE had figured out that I requested a change in billing delivery to electronic on XX/XX/XXXX. The representative was unable and frankly unwilling to provide any documentary evidence that I had made or requested any change. XXXX could only assert that I was in my on-line account that day. Therefore, I must have made that keystroke change. This was an error that several XXXX representatives had already affirmed in several discussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: AMERICAN EXPRESS COMPANY
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 do NOT have a signed contract nor any contract with American Express. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC affidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with this false accusation of this account. I sent them a letter requesting proof any contracts, signatures, a copy of my id anything that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX credit card services changed my method of billing delivery at some time in late XXXX. For more that 30 years my wife and I have received ONLY PAPER statements for the following : XXXX credit cards, XXXX automobile insurance premium, homeowners insurance, automobile loans, and checking account. At no time in those 30+ years have we ever requested or received an electronic billing statement. This specific credit card account often had no minimum payment due OR there was a zero balance. In early XX/XX/XXXX I received a notice from XXXX XXXX XXXX XXXX XXXX that my FICO score had dropped XXXX points ( XXXX to XXXX ). I immediately learned that XXXX had reported a past due of {$41.00}. I immediately spoke with XXXX and paid the full balance and filed a " dispute '' regarding this " past due ''. XXXX immediately refunded their late fee, and initiated the investigation. On XX/XX/XXXX I spoke for nearly an hour with a XXXX XXXX XXXX XXXX representative. That advocate informed me that she had completed all research on the matter and specifically stated that " we have no idea how this happened ''. Furthermore, she stated that " I have done all of the research and there is no process/procedure/facility to determine how, who, when or why this change was made to my account ''. Ten ( 10 ) days later, another representative from the XXXX group informed me that they were not going to correct the error on their delinquency report. And in complete contradiction to the earlier two conversations with XXXX  that SHE had figured out that I requested a change in billing delivery to electronic on XX/XX/XXXX. The representative was unable and frankly unwilling to provide any documentary evidence that I had made or requested any change. XXXX could only assert that I was in my on-line account that day. Therefore, I must have made that keystroke change. This was an error that several XXXX representatives had already affirmed in several discussions.

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 2017-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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 do NOT have a signed contract nor any contract with Capital One. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC affidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with this false accusation of this account. I sent them a letter requesting proof any contracts, signatures, a copy of my id anything that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-01
Company: Experian Information Solutions Inc.
State: WA
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 disputed XXXX XXXX XXXX numerous times and have also made a complaint about them specifically to you, on my credit report with XXXX it shows they removed them from my credit report only to let them add it again. So it was successfully disputed and then they added the same information all over again. 
As far as Experian goes I have disputed this debt of XXXX XXXX XXXX and they refuse to remove it knowing that this is an invalid debt and XXXX XXXX XXXX is illegally reporting false/invalid information to credit bureaus.

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 2022-04-01
Company: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Over the past year, I've written to both Exeter Finance and XXXX collections, asking them to prove that they complied with Georgia state law. Neither has responded with any documentation. All XXXX could send was a statement. Not any of the 21 items I should've been provided according to state law. Therefore. Continuing to report the account by both companies is wrong! Continuing to attempt to collect the debt seems to be an FDCPA violation on XXXX XXXX part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt was scheduled to be removed with the credit bureaus by XX/XX/XXXX. I disputed this on XX/XX/XXXX and the credit bureaus never removed it. I am asking that you help me investigate why the credit bureaus didn't remove this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Checking or savings account This is the third complaint regarding this matter. Chase Bank is saying that they have attempted to reach me on several occasions, if they have, I am not aware of it, however if chase has attempted to call me with my caller id showing " unidentified number '' or if it does not identify itself when I politely ask " who is calling '' I SIMPLY HANG UP. I AM XXXX YEARS OLD, I LIVE BY MYSELF, I AM TOLD OVER AND OVER NOT TO GIVE PERSONAL INFORMATION OVER THE PHONE, THAT IT IS NOT SAFE, I FOLLOW INSTRUCTION ; I AM A LAW ABIDING CITIZEN. Chase does not identify itself, does not have a human being monitoring their customer inquiries over the telephone, I ignore them. CHASE IS NOT ABOVE THE LAW, CHASE BRANCHES ARE NOT OPEN. When by chance you get a person, this person is from the XXXX, barely speaks English, and sounds as she just got out of grade school ; do you think I will give personal information to that child?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: FL
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:
IN ACCORDANCE WITH FCRA XXXX, REPORTING AKA 'S AND ALIAS NAMES AND ADDRESSES UNDELIVERABLE TO ME, ARE VIOLATING MY RIGHTS. 

15 USC 1681 602A I HAVE A RIGHT TO PRIVACY 15 USC 1681 604A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNTS WITHOUT WRITTEN INSTRUCTIONS. 

NAMES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX EMPLOYMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting late as reported in my XXXX 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. 

XXXX XXXX XXXX  XXXX Opened XX/XX/2015 Balance {$1400.00} // Late Open XXXX ***** Opened XX/XX/2015 Balance {$1400.00} // Late Open

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 2023-02-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
So, I sent XXXX letters out on XX/XX/2022. Here are my tracking numbers. 
XXXX # XXXX, XXXX # XXXX, Equifax # XXXX. To remove personal information, I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also, according to 15 USC 6802 no financial institution is not suppose to share my information to third party people these are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2022 I hand wrote a dispute letter to Transunion to validate several accounts on my credit report. The letter was mailed certified on XX/XX/2022 and received by an individual on XX/XX/2022. On XX/XX/2022 I received a letter from Transunion stating they would not process my dispute because it appeared to have not directly come from me, and indeed it was me. I sent another letter certified mail stating i did request account validations and on XX/XX/2022 I called Transunion to confirm I was the individual that sent the dispute letter and request that they process the letter that was received by certified mail. The agent refused to confirm they still had my letter on file and to process it. I was told he would only do the dispute by phone. I would like my original request for debt validation to be processed

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 2022-04-01
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I called Citi Financial for my XXXX Best Buy credit card to increase my limit an additional XXXX after doing so online requested me to call. I was told on the phone the number they have doesn't match XXXX and I need to call them. I advised that my phone number has been the same for years and the same one used when I first signed up for the account. I checked XXXX and they have the right phone number. I asked to speak to a supervisor and was hung up on. I called back and spoke to a supervisor and waited on hold over an hour after that to speak to someone in Consumer Protection. I advised I have an initial fraud warning with the bureau 's but all that needs to be done is my identify verified ( according to the XXXX XXXX ). They verified my identity by asking for a code that was texted to the number they said did not match. I was then transferred back to a representative to continue with the increase request. The increase request was again denied due to having a phone number that doesn't match and requested I contact XXXX after already having verified the number is right. I was explicitly told the second time that my credit is not being pulled which was incorrect as it was according to XXXX and the fact that Citi said the number did not match again. They claim this was done via the online request but was not given an opportunity to authorize any such credit inquiry. They are in violation of FCRA at this point.

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 2017-10-26
Company: NCC Business Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCC Business Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Toll Free Fax ( XXXX ) XXXX ( XXXX ) XXXX I received a notice from XXXX on XX/XX/XXXX. NCC is actively seeking to collect a debt of XXXX dollars placed by a manager of XXXX XXXX XXXX XXXX/XXXX against me. However, I have called the manager and found out this debt is a mistake on the managers side. In other words, the debt of XXXX dollars is invalid. The attached email discussion is the written proof that this debt is invalid and the manager did request NCC Business Services , Inc. to remove the account of collection on XX/XX/XXXX. Such request of the manager is the manager 's second attempt to contact NCC and correct the mistake. In addition, I also disputed the validity of the debt via mail and fax on XX/XX/XXXX. In the certified mail and faxed materials, I attached the same proof to establish that the debt is invalid. 

However, I received another mail against my dispute from NCC on XX/XX/XXXX. It is obvious that as of XX/XX/XXXX, NCC is still actively seeking to collect this false debt of XXXX dollars which was mistakenly placed under my name, in spite of the original creditors and my efforts to correct the mistake. The enclosed information NCC sent in that mail was both outdated and probably from the managers initial mistake without any reflection of the original creditors and my efforts to correct the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage was being serviced by prior servicer and my payment amount was {$2600.00} ( P & I {$1900.00} esc {$690.00} ) my loan then transferred to Wells Fargo on XX/XX/XXXX. 
An XXXX was not ran until XX/XX/XXXX indicating my payment amount was increasing to {$3100.00} ( XXXX XXXX XXXX XXXX$1900.00} XXXX {$1100.00} ) a difference of {$450.00} and reflecting a shortage of {$3100.00} which is a significant different causing a financial hardship. 
I then received another XXXX ran XX/XX/XXXX indicating my payment amount was decreasing to {$3000.00} ( XXXX XXXX XXXX  {$1900.00} XXXX {$1000.00} ) a difference of {$71.00} and reflecting a shortage of {$2300.00}. 
A billing statement was then sent to me XX/XX/XXXX reflecting an escrow balance of {$3000.00} the next billing statement was sent XX/XX/XXXX reflecting an escrow balance of {$4200.00}. 
I called and spoke with Wells Fargo on XX/XX/XXXX and spoke to a lady named XXXX. She advised the increase of payment was due to the taxes which were {$4100.00} and increasing to {$4700.00}. Which a {$600.00} increase does not call for that much of a shortage. she also advised the XXXX was also collecting for a shortage from the prior servicer which Im assuming is from about XXXX years ago since my loan just originated in XXXX. Wells offered to do a escrow shortage spread of 24 months making the payment total {$2900.00} which I denied. 
Per CFPB guidelines and from my experience an XXXX should have been ran within 60 days of XXXX acquiring the account. Whatever the amount of that shortage was prior to XXXX would have been caught at the time of the XXXX and not creating so much of a hardship now. Since this was not completed it has doubled the escrow portion of my mortgage payment. 
I also noticed there was a 2 month cushion included in the XXXX. Why is there 2 months and just not 1 month? I also did the math ( below chart ) with the current escrow balances and at the rate we are going I will have an escrow balance of {$13000.00} in the account when disbursements total XXXX {$10000.00} per the XXXX leaving an escrow balance XXXX {$2800.00}. When another XXXX is ran in XX/XX/XXXX the escrow balance will be {$5100.00}. which would then be refunded as a surplus. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These miscalculations which there was an error since an XXXX was ran months apart from each other and the failure to run an XXXX within 60 days of acquiring my account has led to financial hardships with a large increase in my payment.

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 2022-04-01
Company: Experian Information Solutions Inc.
State: ME
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 paid the debt, and received documentation confirming the debt was paid in full. but the debt has not been removed from my credit report. when i called the creditor they advised me to call the collector. when i called the collector they advised me to call the creditor.

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