BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-13
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/XXXX. I received an alert from XXXX  Credit Bureau regarding a collection item on my credit report. I don't know who XXXX XXXX XXXX XXXX is, and no validation of this debt has been given to me. No original creditor was listed. I was not given a right to dispute letter, nor anything else regarding this debt at all. On XX/XX/XXXX, at XXXX I contact them and asked how they got my information and disputed the validity of the debt and asked them to remove this from my credit report. They are refusing. I should have 30 days to dispute this debt and I was not given any notice to activate my rights. Instead it was placed on my credit report. I've contacted the number listed on the report XXXX. They where unable to validate this account belong to me. I requested proof in writing.. I have also contacted XXXX XXXX, Experian, and XXXX  and disputed it. When I contacted XXXX XXXX at XXXX, I spoke to a Fraud Specialist, XXXX XXXX she informed me that a similar item showed up on my credit report in XX/XX/2015 and was disputed and removed. This is around the time I found out my SS # was used by someone other than me. I asked to speak to a Supervisor with XXXX XXXX. I spoked to Mrs. XXXX, and asked how can an item that was disputed and removed in XX/XX/2015 be placed back on my credit report. Once it is removed, it should be removed. I stated that I disputed it then because it was not mine, and it was removed but you placed it on there again. The Supervisor at XXXX XXXX did not remove the item. My credit score has dropped 75 points due to this and I have no control over it. I am in the process of buying my house and this is affecting me drastically and putting my dream of owning a home in jeopardy.

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 2020-08-19
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE INQUIRIES ON MY FILE. THESES INQUIRIES DOES NOT BELONG TO ME, THOSE INQUIRIES WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2017-12-04
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I received a letter in the mail on XX/XX/XXXX indicating that the interest rate on my Chase Freedom credit card would be increasing from 8.24 % to 13.24 % in XX/XX/XXXX. Given that I have held this account for over 10 years, with no missed payments, and holding an excellent credit score, I called and sent messages to dispute the increase and attempt to negotiate a lower increase to my APR. The Customer Service reps used several tactics to dismiss my request, including saying that it was too late to dispute the increase, that the changes are to align my APR with APRs currently being offered, that my interest rate is variable and periodically increases due to changes in the prime rate, and finally dismissing me by saying I do not have an option to dispute the rate increase ; I could either accept the increase or close my account. My responses to these dismissals were that I had just received the letter indicating the increase that day, so how was it too late for me to dispute the increase? Regarding aligning my account with current APRs being offered, I interpreted this as being penalized for being a long-standing customer. I indicated my understanding that my APR is variable, but that a 5 % increase was exorbitant. Prime rates have increased by approximately .75 % in the past year, so why is my interest rate increasing by 5 %?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2020,, Continued Issues,,, Wells Fargo Bank Have'nt Fixed Any Of My Old Issues Or The New Ones Either, This Is So UnAcceptable,, And Un Business Like,, I Have'nt Heard A Responsive From This Company In While,, On The Settlement website,, They Said That they Was Sending Out As Settlement Checks The End Of XXXX Thru XXXX,, I Have, not Received a Payment Yet????

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 2017-12-04
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was notified by a credit monitoring service that a new collection was placed on my credit report on XXXX/2017 by Midwest Recovery Systems. I have never received information regarding the account or the pay day loan Midwest Recovery Systems are attempting to collect. Midwest Recovery Systems failed to allow time to dispute the debt prior to reporting to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I had this account opened back in 2010 I only had missed one payment and the rest I made payments on time. Before I closed the account I made sure to paid in full. Its still showing up in my credit report as missed payment and its preventing me getting a good loan with my lender.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RC is claiming that I owe them {$630.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX my spouse, XXXX XXXX XXXX, was killed while on an XXXX overseas assignment. Between XX/XX/XXXX and XX/XX/XXXX, I notified all credit card companies/creditors of his death and provided a copy of the XXXX XXXX Notice of Death that was sent to me by the State Department. 
There was no estate or Probate. 
I was notified by all credit card companies/creditors that my spouse 's debts would be discharged and there would be no other communication. 
On XX/XX/XXXX I received a 1099-c from Synchrony Bank in my spouse 's name. 
The Cancellation of Debt in the amount of {$9800.00} was based on an identifiable event occurring on XX/XX/XXXX. This date has no legal significance or relationship to my spouse 's death in XXXX. 
I contacted the IRS assistance telephone line and was advised that Synchrony has processed the debt incorrectly and now must issue a corrected 1099-C XXXX  out all amounts.The debt was not cancelled, it must be discharged due to the death of the debtor. 
I spoke with 'XXXX  XXXX and 'XXXX  ' at the Synchrony number and was advised to just ignore the 1099C. It  doesn't work that way. Since the XXXX is still processing travel reimbursements for my husband, unless Lowe's/Synchrony issues a correct ( XXXX ) 1099C, I will be forced to pay taxes on the {$9800.00}. 
All the other credit card companies/creditors handled the situation correctly, now it is Synchrony Bank 's turn.

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 2021-04-07
Company: Messerli & Kramer P.A.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I called XXXX XXXX XXXX in order to pay a debt that had been mailed to me numerous times. The amount i was willing to pay was the exact amount that was owed. 

When I called XXXX XXXX XXXX they referred me to XXXX and XXXX, as they had purchased the debt. 

I then called XXXX and XXXX and agreed to pay the debt of {$640.00}. 

During my call, which was recorded, we came to an agreement that I would pay monthly for a price of {$110.00}. While on the call they told me there was a processing fee of {$47.00}. I agreed to that and gave them my banking account information to have automatic withdrawals. 

They notified me I will have paperwork mailed to me in order to sign so the payments can be made. 

On XX/XX/XXXX, I was notified that I had a XXXX XXXX trying to deliver a court summons to me. Upon delivery, I learned that is was from XXXX and XXXX, regarding the XXXX XXXX XXXX debt I agreed to pay the day before. 

I then proceeded to call XXXX and XXXX to find out why I was being served this summons. They told me that it was because I owed the debt and they had filed a summons on XX/XX/XXXX in the XXXX courts. 

While speaking with XXXX and XXXX, I ask them why they did not inform me of this action with the courts when I was settling my debt on the phone the previous day. They responded that they assumed I had been served which is why I was calling to settle my debt. 

I was then told that they were not obligated to tell me. 

I told them that it was deceptive business practices for them to know that a summons was being sent to me via a constable, but not notify me when I was calling to settle my debt the day before. 

I informed them that they lied to me when I was making arrangements in good faith. Their response to me was that they didn't need to tell me. If I felt slighted, that they apologise. 

Being that this is a legal court document that was served to me, that is not acceptable. 

Upon further discussion, I informed them that I would like a copy of the phone call I made and the file which contained my information, which was in regards to XXXX XXXX and XXXX XXXX. This request was not acknowledged. 

I passed me off to a higher level manager who was very XXXX and did not wish to help me resolve my issues of removing the court summons from XXXX XXXX courts. When I asked if even if I am still going to have to go to court over this issue, even though I set up payment plans, inwas told that it wouldn't be removed from the courts. 

This is deceptive, if not illegal. I will be seeing a lawyer about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I've been attempting to remove fraudulent accounts from my credit report since XX/XX/2020. Its been over 7 months and the fraud accounts are still showing. The bureaus have been non responsive and for a process that should take 30 days has taken over 250 days with no end in sight. USPS tracking shows my letters are being delivered and signed for and yet the investigations haven't even been initiated. This is my last resort before I escalate this matter through the legal channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Ability Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today I received an alert from my credit monitoring service that this company has placed a collection item on my report. I have received notification from this company

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 2018-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
I have two capital one accounts reporting with a late payment on my report. I was kind of surprised so I sent in a request for statements of the months I was late since according to my knowledge i've always been on time. Every response they sent me seemed to try to avoid giving me an answer always requesting more information. I provided them with my social security number they have all the information they need.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: WELLS FARGO & COMPANY
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
TILA, FCRA, FDCPA Violations : Wells Fargo Ed. Loans has been misreporting my account to the credit reporting agencies in violation of the FCRA. It also failed to properly administer my ed loan account such that my payment was returned and my deferment request was not processed. My understanding was that my account was in good standing but my account is showing as 60 days overdue when it should not be! 

Please fix this problem as Wells Fargo 's unlawful violations of state and federal law are ruining my credit and my ability to refinance my loans to a less expensive interest rate. 

I have proof that I sent in payments which were returned and that my credit report has incorrect Wells Fargo credit history. The Wells Fargo Executive Team is playing games. I have given all of this information countless times but it is wasting and churning time ( in order to look like it's doing something ). It is apparently going to claim that it knows nothing so it doesn't have to actually do anything. The rep 's number goes straight to voice mail and appears to be set to " Do Not Disturb '' - great trick!! ( People use it when they want to snooze and their desk. Ha - they leave for the day, without doing any work all day! ) I need a resolution asap, please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: GA
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 submitted a dispute with Equifax and other credit bureaus on XX/XX/XXXX regarding incorrect information on my credit report and score. I sent in copies of my Georgia state id, passport, and social security hoping that they could correct my information on my file. I just turned XXXX XXXX and while researching about credit I found that mines had a charge off from XXXX XXXX in XXXX. I contacted the credit bureau in hopes that they would correct my information and also delete the charge off because at that time i was only XXXX years old! There is no way that I would even be able to start an account let alone pay a bill at that age. I got my results XX/XX/XXXX and I feel that the company did not take the investigation seriously. From the information that I gave to them, to the letter that I sent personally explaining my issues on why this shouldnt be on my credit report. Equifax only updated my information and did not take this charge off from my account I dont understand why this closed account is affecting me still when I gave the company ample information verifying my age regardless of what XXXX XXXX could match because that was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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 have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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:
I lost my wallet somewhere in XXXX XXXX ever since I lost it years later I found out my credit history is weird so I contacted the credit bureau like XXXX, experian, XXXX for years they never do anything about it so thats why Im here making this complaint on those companies.

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 2019-02-13
Company: Conn's, 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:
Conn 's account was closed on XXXX XXXX Conn 's refused to update my account to a closed account even though it was sold to a company named XXXX on XXXX XXXX, then in XX/XX/XXXX Conn 's  representive said my account was then sold to a company called XXXX phone number XXXX. From XX/XX/XXXX-XX/XX/XXXX Conn 's reported late payments to all 3 credit reporting agency XXXX XXXX XXXX the status on my account XXXX XXXX i am sending a copy of recorded calls of the representive stating the was was closed on XX/XX/XXXX XXXX the status on the credit report was recently changed to charge off due to me filing a dispute through the credit beareu. But the closing date is still incorrect its is reported as XXXX and the correct date of close is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
As of XX/XX/2021, I had a total of {$3000.00} in my EDD card. On XX/XX/XXXX I had a total of $ XXXXI never made a withdrawal from the XXXX to the XXXX, when I called Bank of America to report this, I was told that an investigation was going to be opened and that within 10 business days I would receive a new card and that I was going to be refunded my loss. Those 10 days went by and I never heard from the bank. I called on the XXXX day and was told that my initial claim wasn't filled out right and that they were terribly sorry for the inconvenience, I had to make another claim after being in hold for 2 hours. Again I was told to wait another 10 days etc on the 3rd day I got my new EDD card, but still not refunded those initial {$3000.00}. It is now XX/XX/XXXX and still Bank of America is giving me the run-around. Can I get some help please, I'm a single father of one struggling to get back on my feet due to this pandemic.

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 2018-07-08
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There was an unauthorized transaction on my account with Walmart. I have notified the company paid the portion of the bill I am responsible but Walmart is still reporting unauthorized transactions to Ctedit 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 explanation
Consumer complaint received 2020-05-06
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Champion Mortgage is listed as a predatory mortgage co. Not my words but true. My XXXX property taxes were mailed to the wrong address by my living will, living trust attorney, therefore I did not receive the property taxes. Champion Mortgage contacted me and my daughter threatening foreclosure. I called them and made arrangement for payments. I made the payments and have records that they received these payments. They have been harassing and threatening me and my daughter ever since. XXXX. XXXX   allows the taxes to be paid in three payments, Champion does not. I had this happen on a rental property as well. They were wrong and it was rectified.

Company response to consumer: Closed with explanation