BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
Company: U.S. BANCORP
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I XXXX XXXX, consumer, natural person and original creditor of an open-end credit plan. I received a letter via U.S mail from U.S Bank XXXX XXXX U.S. Bank denying me of my right of credit on a open-end credit plan. Pursuant to XXXX XXXX defines the Truth in Lending Act, I am a natural person who possess an open-end credit plan who was harmed by U.S. Bank XXXX XXXX action taken against me. Denying me of my rights holds U.S. Bank civilly liable. The damages pursuant to XXXX ( a ) ( XXXX ) ( A ) ( iii ) are up to {$5000.00}. U.S Bank is now civilly liable to pay me for the damages.

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 2021-09-09
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:
THESE INQUIRIES DONT NOT BELONG ON MY REPORT 1. XXXX XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX OR THIS ADDRESSS XXXX XXXX XXXX XXXX TN,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: GA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: AVANTE
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These charges are charges made from over charges to the insurance company. I was told I was not responsible for them. These was XXXX XXXX XXXX XXXX XXXX. How can they put things on your credit thats not fair and untrue and get away with it. So any company can just put what they want on our credit report and get away it. May God take control of the companies that uses people for their own good. Avante 3 entry. XXXX XXXX  5 entry. XXXX/XXXX. XXXX XXXX XXXX put {$20.00} to start a savings account and never went.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
My Bankruptcy included a Reaffirmation Agreement regarding my XXXX which XXXX and did not attend, sold my car without a Judgment or any legal basis and continued to take payments until the car was paid in full then closed my account and reported to the credit bureaus that it had been written off in Bankruptcy thus managing to steal approximately $ XXXX from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
My Bankruptcy included a Reaffirmation Agreement regarding my XXXX which XXXX and did not attend, sold my car without a Judgment or any legal basis and continued to take payments until the car was paid in full then closed my account and reported to the credit bureaus that it had been written off in Bankruptcy thus managing to steal approximately XXXX XXXXXXXX from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I was charged an annual fee of {$190.00} on XX/XX/XXXX by American Express but they gave me a credit of {$200.00} on XX/XX/XXXX. When I called and asked about {$200.00}, a representative told me that it 's a special credit on the anniversary of the card. I told the rep. that I was going to cancel the card to avoid the annual fee but since I got {$200.00}, I am going to keep the card. 

However, I noticed {$200.00} credit reversal on the XX/XX/XXXX on the statement that ended onXX/XX/XXXX, and used the customer chat feature to inquire about that on XX/XX/XXXX. I was told that it was an error that I got {$200.00} so they took it back. I repeatly explained to them that I would have cancelled the card if it was n't for the {$200.00} and asked for the refund on the annual fee but they told me that they ca n't because 30 days has been passed. One rep finally submitted a claim for me on XX/XX/XXXX but told me that it might take up to 30 days and I am the one responsible to call back from time to time to check on the status of the claim. 

I feel like the company tricked me to stay with them and pay the annual fee of {$190.00} by offering {$200.00} credit, only to take it back a month later, when it was too lake for me to act on it to get my annual fee back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Equitable Acceptance Corp
State: CT
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:
XX/XX/XXXX I decided iwanted to get some help with my student loans ; have my loans forgiven or reduced.I then started doing my research and came across XXXX XXXX i gave them a called andspoke To XXXX XXXX I briefly told him about my stitutaion, He then Instantly told me that he could help me, and i came to the right person.He told me how XXXX XXXX been around for a long time, helped millions of students around the world with their loans and also XXXX XXXX was apart of the obama student loan forgiveness.He then asked me for my ssn DOB address, place or employed and so on. so he could get started, I proceed by doing so.After I was finishing giving him all my information, he told me that he would get back to me in a week or so he had to send my information to the DOE. after a week i notice that i was getting calls from different numbers, i got scared and told them to cancel my application.on XX/XX/XXXX a charger of XXXX was posted to my Credit report from equitable Acceptance Corporation on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld Systems is attempting to collect on past due amount of {$130.00} owed to XXXX XXXX aka XXXX XXXX, the notice appears to have crossed, the account currently shows no past due amount, last payment in the amount of {$50.00} posted on XX/XX/XXXX. It appears this account was sent to collection, it is unclear if account is closed or not and or if entire balance is now due.. Their website shows no payment due at this time, do not know if account now belongs to Transworld or not..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: Byrider Franchising, LLC
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a car through CNAC ( JD Byrider ) that was since repossessed. For three months in a row, CNAC made hard inquiries to my credit report without my authorization. I did not authorize these inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2018 I notified XXXX of inaccurate information reporting on my credit file. I included an FTC Identity theft report along with proof of identity and a letter explaining that I was a victim of identity theft and to please remove the inaccurate accounts. XXXX later updated and stated that the accounts were updated and verified. This is found to be false and inaccurate because how could the companies provide XXXX with information supporting these accounts and the fraud accounts couldn't provide me with any contracts or any viable proof of such accounts belonging to me. XXXX  has decided to not follow as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. XXXX  continues to report fraudulent accounts on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
During the process of securing a mortgage it was discovered that my Chase credit card was showing 5 months past due, beginning in XXXX of XXXX through XXXX of XXXX. When attempting to fix the issue with Chase, they informed me that a half of payment was past due, and carried over into subsequent months, even though I was sending full payments consistently. I was never called, or informed by letter that there was an issue with the account. I was informed that emails were sent instead. Unfortunately these emails went unnoticed due to the volume of spam email I received. I have been a chase credit card customer for several years and I have never missed a payment. Based on my history, I would have expected to receive a phone call or be advised in writing that my account needed to be brought up to date by a half of payment. I corrected the issue immediately upon realizing that there was an issue. However, this incident has had a deep impact on my credit scorXXXX, making it impossible for me to secure a VA mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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:
On XX/XX/XXXX for Equifax, the XXXX for XXXX and the XXXX for XXXX by way of certified mail, these companies received letters regarding inaccurate and unknown items on my credit report. Embarking on 90 days later I have not received one word about the errors on my credit reports from either of the 3 credit reporting agencies. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 90 days soon. These items should be deleted promptly. I demand that these items be deleted immediately or I will file for litigation do to the stress this has caused me while I'm attempting to deal with my finances during COVID. My information was also compromised by the Equifax data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 60 days to receive a no respons because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 73 days soon so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a loan through XXXX that was sold ( immediately, I was told ) to Wells Fargo. The mortgage was closed in XXXX 2008. It was a 15 mortgage with early payments ( 26 payments per year ). This meant that the loan would be paid off in 11.2 years. I have never missed a payment. At about 18 or 20 months from the payoff date, I realized that the balance was wrong. I spoke to someone at Wells Fargo and he recalculated the amount that should remain on the loan. He said that the balance should be approximately {$60000.00} less than was shown on my statement. I was told that the amount that I paid was not correctly applied to the loan amount and did n't take my early payments into account. As there were two banks involved, I was tossed back and forth between them about 5 times without making any progress.

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 2022-03-30
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX I was checking my credit score and noticed a steep decline in my score. When I looked further I noticed a collections account that I was not aware of. Upon further review through experian, I saw that the collections account was from XXXX that was opened on XX/XX/2021 in the amount of {$660.00}. I have never received notification via mail of any balance due to XXXX. I have never received a phone call regarding a balance due to XXXX. I have never received any written or verbal communication from CREDIT COLLECTION SVCS regarding a collections balance. This debt has tarnished my credit score and has future negative implications on any future financial purchases. Prior to this, my credit score was well above XXXX and it currently is showing below XXXX. I am formally requesting assistance in clearing the collection and ensuring that all laws with respect to fair debt collection practices ( FDCP ) were followed by XXXX and Credit Collection SVCS.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/2020 I emailed XXXX XXXX XXXX and his business XXXX XXXX a check in the amount of {$45000.00}. The funds were a loan issued in the form of a check by Navy Federal Credit Union. I was referred to do business with XXXX XXXX and his estabishment by an associate of myself, XXXX XXXX. I verified that XXXX XXXX 's business, XXXX XXXX XXXX 's was a legitimate dealership. This check was to be completed by XXXX XXXX were he would contact Navy Federal Credit Union to obtain Verification Number which they would only release to a verified dealership ; also during XXXX XXXX contacting the dealership he would release to NFCU the vehicle VIN and description. During communicating with XXXX XXXX several times regarding return of funds for not rendering services that he and I agreed upon I had no choice but to proceed with reporting XXXX XXXX and his business for fraudulently misappropriation of funds in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Idonotrecognizetheaccountsonmycreditreport

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 2021-09-09
Company: Statebridge Company
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: Account information incorrect

Complaint:
Dear Statebridge, Attached is the XX/XX/2021 response letter from XXXX XXXX XXXX to CFPB Complaint # XXXX. 

XXXX  has advised that there was transfer of servicing rights from Statebridge to XXXX for account # XXXX. 

XXXX XXXX XXXX issued the attached IRS Form 1099A naming themselves as the lender for account # XXXX for property : XXXX XXXX XXXX XXXX, FL XXXX Please provide proof of the servicing transfer from Statebridge to XXXX XXXX XXXX for account # XXXX. 

Please provide a full accounting and all records pertaining to account # XXXX for property : XXXX XXXX XXXX XXXX, FL XXXX Though there is reference to the property address, the attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Sale Agreement does not appear to include account # XXXX. 

Thank you for all your assistance in rectifying this IRS Form 1099 reporting matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have Reported fraudulent data ( hard inquiries ) on my credit report which the Company TRANSUNION refused to remove immediately.

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 2019-02-12
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The company has responded that it is still working on your issue. 
We expect companies to respond to every complaint within a reasonable amount of time. The company has responded that it is still working on your issue. You should hear from them again with a final response within 60 days. 

You can log in to see the companys response at CFPBs secure website. You can also review the companys response by phone with someone. 

COMPLAINT ID XXXX When I contacted Wells Fargo on XX/XX/XXXX about this issue it stated I would be mailed the information to my home within two weeks. I have only been contacted by Wells Fargo about this issue via mail. There response that they can not contact me is not true. Now I got a letter pushing their response out until XX/XX/2019. If this bank can not look at its records and give the customer the information the bank has an internal issue with its documentation. In the mean time they are charging me interest on an incorrect loan balance. This is not acceptable. I have not been given the law suit information either.

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 2021-09-09
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Americollect took {$850.00} account off my XXXX report after 1st complaint then today put it back on my report. If Americollect paid XXXX XXXX for the debt how can Americollect make me pay them. I never had a written contract with Americollect at all. That is false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: SC
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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 sent letters to all 3 credit bureaus ( Experian, XXXX, XXXX ) for the past 6 months about inaccuracies on my credit report. All 3 credit bureaus report that they have investigated or reinvestigated the accounts but they still report different things all 3 credit reports. I am now wondering if the credit bureaus are really investigating or are they just sending my letters through a computer and giving me the same response back. I have found numerous inaccuracies and have reported them over & over again but nothing has yet to be done. I know by law that all 3 credit bureaus are to report accurate information on my credit reports but yet they have all failed to do this and it is affecting my credit score. I don't want to keep getting the same response or sometimes or no response with the same inaccuracies. Are you really doing an investigation? I have asked for proof of the debt each of you stated you " verified '' but have yet to receive ANY PROOF. I have seen numerous complaints of lack of investigation & violations that the credit bureaus are not following.

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