BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: The CBE Group, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CBE Group is reporting a debt on my credit file that I need validated. I am not asking for verification of the debt but for validation I am legally obliged to pay them for this account. I have attached a letter with my demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Comenity Bank/XXXX # XXXX is reporting a new erroneous late in XX/XX/2019. I have never had a late in that month before and only on this most recent update to the credit bureaus has this late appeared. It is inaccurate and erroneous and it needs to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is reporting incorrectly on my credit report. It reporting as derogatory information. I have never had a loan with this company, the account is showing I have a missed payment with them and that's not correct. I have attached the receipt. I need XXXX and TransUnion you to fix this account 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 non-monetary relief
Consumer complaint received 2022-01-17
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I recently tried to do a refinance on my home and was told I owe XXXX, XXXX and XXXX to XXXX  XXXX my payoff was XXXX. I purchased this home in XXXX of XXXX and I've never once taken any loans. I did a modification in XXXX where Hud applied XXXX to my principal bringing it down to XXXX plus I've made monthly payments. As it stands today I owe XXXX. I've reached out to USBank many times regarding this and no one seems to know what I'm saying only that I still owe this amount. I have since pulled my own documents to look into this matter. Only to find a lot of payments going up after once going down and there's no explanation for it. I keep telling them it makes no since that Id still owe XXXX on a home purchased XXXX ago at XXXX when Hud has paid XXXX toward it in XXXX. I'm just very frustrated and don't know how to get it throw to them there is something wrong. Somewhere down then line someone made a mistake and now it's costing me the customer. At this point XXXX cant refinance due to all the confusion.

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 2018-01-08
Company: EQUIFAX, INC.
State: LA
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 've been trying to dispute some inaccuracies on my credit reports. For some reason the credit bureaus NEVER respond back to me. That 's pretty strange because i know it is my right to dispute any inaccuracies i notice. Is that legal? Please investigate the following accounts. 


XXXX XXXXThe date of last activity is not reporting right. 
XXXX XXXX XXXX XXXXThis account is inaccurate. Three collector 's are trying to collect on this one debt. The balance owed is not correct. 
XXXX XXXX XXXXXXXXXXXXXXX XXXI have never done business with nor have i been contacted by this company about this debt. 
XXXX XXXXThe rating on this account is wrong XXXX  XXXXThe balance should be {$0.00}. 
XXXX XXXX XXXXThis company is illegally collecting on this account. They are not licensed to collect debts in Louisiana and that is ILLEGAL. 
XXXX XXXX XXXX XXXXthis account in inaccurate. 
XXXX XXXX XXXX XXXXThe date of last activity is incorrect. 
XXXX XXXX 've never done buisness with XXXX XXXX XXXX XXXXThis creditor along with two others are attempting to collect this debt. This company no longer has this debt. Please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: AMERICAN EXPRESS COMPANY
State: OH
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:
American Express Travel does not disclose that it uses a third-party service, XXXX, to book their travel arrangements. 

American Express Travel committed to resolving an issue over the departure date of a recent vacation. The commitment was made on two calls which are logged from XX/XX/2021 and XX/XX/2021. 

As it turns out, that commitment was made by American Express ' non-disclosed third-party resource XXXX. 

Even though both calls are logged and I have provided proof supporting the revised check out date, American Express will not refund me for the revised departure and is unwilling to allow me to initiate a billing dispute. 

I have attached a full detail to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-17
Company: HW Holding, 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: Account information incorrect

Complaint:
Duplicate information with two seperate companies for diferent negative amounts. by Hunter Warrfield Inc and XXXX XXXX XXXX for same account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08
Company: TD BANK US HOLDING COMPANY
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found a late payment on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe that I made my payments to you when I received my statements. My only thought is that my monthly payment did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: CBC Companies, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is an inquiry on my credit report from Factual Data on XXXX. I was advised that this was for a mortgage. I just purchased my home last year and would have no need to apply for a mortgage. I have not applied for any credit and did not provide consent for anyone to review my credit file for any credit offer since I was not applying for anything. This has lowered my credit score and that is a damaging factor as I am trying to build my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Diversified Adjustment Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt and I have attempted to get the debt validated from the collection agency which they refuse to do. Instead of validating the debt they have sent me old bills explaining a balance that does not belong to me. I am not responsible for this debt and would like to have it deleted from all three consumer reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy on my credit inquiries close account. I have a fraud alert on my file but the still is not working. I have ask for validation is never done. All I get is variation from the Credit report agencies. These is my second time reading to you guys asking for help nothing have been done I need these credit agencies to validate or remove these information thats not mine out of my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In both XX/XX/XXXX & XX/XX/XXXX I filed a complaint with XXXX and Equifax aboutUNAUTHORIZED inquiries on my credit report, prior to this complaint I had a fraud alert added to all 3 credit bureaus early in XX/XX/XXXX I believe XX/XX/XXXX/XX/XX/XXXX and wanted to be contacted if my credit was run by any creditors during that time I received only 3 calls from creditors to look at my report those 3 were "  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX '' because I was shopping for a new vehicle. All other inquiries from the time I had XXXX XXXX XXXX added till now were NOT AUTHORIZED and I asked to have them investigated and removed " XXXX '' completed their investigation on XX/XX/XXXX & Equifax completed theirs 2 days after submitting my complaint online, both stated that the inquires are Factual when they are not they took less then a week to investigate which I find a bit unbelievable I do n't think they actually did a investigation and it is GREATLY affecting my credit and hampering me from purchasing a new home!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days late as of XXXX 2017 60 days late as of XXXX 2017 90 days late as of XXXX 2017 90 days late as of XXXX 2017 I am not sure how this happened. I believe that I had made my payments to you when I received my statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: Fay Servicing, LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the pandemic, I struggled to make my mortgage payments on time. With strained finances, a forbearance was offered. 

While in forbearance, I completed the modification application, submitting supplemental information as requested. After a couple of months, Fay Servicing proposed a trial period starting in XX/XX/XXXX. 
Although it was a struggle, I made the 3 ( three ) trial payments and continue to make payments. However, monthly mortgage statements are off. For example, the XX/XX/XXXX statement is showing XX/XX/XXXX was not being made. 

Likewise, Fay Servicing increased the interest rate from 4.8 % to 6. % which is a substantial increase. Instead of paying {$2700.00} per month. I am currently making a {$3000.00} payment per month. The overall balance is {$45000.00} more than it should be. The balloon payment amount is {$180000.00} which puts me upside down in this home. 
I am requesting an independent audit of my loan modification account. I do not understand the increase in interest rate when I was struggling to stay in my home. Below are the additional concerns : Ensuring that the principal balance is accurate after a deferral plan becomes effective ; Providing accurate information about loan status and relief options during forbearance ; Not imposing an inspection fee, late payment fee, or modification fee during a CARES Act forbearance period ; and Not accurately applying the post-forbearance payments, including after a servicing transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In response to Bank of America - claim number XXXX Please note that the documentation alleging a signature card with XXXX XXXX being identified as a sole proprietor is false and erroneous as the correct signature card ( attached ) which was a recorded part of the Motion to dissolve clearly shows the account was designated as an " S '' Corporation '' and any errors or omissions in entering a correct employer ID # s or other errors were the fault of the employees of BOA and their failure to properly obtain the correct ID # for the Corp. and their failure to properly enter the account as a Corp. account when it was CLEARLY designated as such does not constitute any mitigation of their responsibility for the losses incurred by the Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I tried to transfer over {$1400.00} dollars from Coinbase.com to XXXX.com and my money has been pending on XXXX.com for over 6 days now. I have emailed them for customer support, opened a support ticket, and tried calling but they are not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: DISCOVER BANK
State: LA
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:
On XX/XX/XXXX I did payment on Discover Credit card. When I asked for the balance on that date. They are not providing the information and Said : " There is no way that they can provide the information ''. 

XX/XX/XXXX called to Discover customer service connected me to the Manager Said : " There is no way that they can provide the information '' next connected me to higher Manager and gave me the same  response. 

As a customer, i do have rights to know the transactions, balances. They are not giving information that I do n't have or can see through the application ( Web and Mobile ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

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 2018-01-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX while trying to get things in order i pulled my credit report and saw that someone had XXXX things in my name i went to the police deparment and i was told i need more information so i started doing doing this on my own this first company simple XXXX XXXX has me down for {$410.00} and this started on XX/XX/XXXX now i reached out to them after XXXX there name i dint have a account number and i spoke with the supervisor XXXX who looked into there system to tell me they have no one under my name at that date or time and that they have no record of any one name XXXX XXXX i was then told to reach out to there CORPORATE OFFICE ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX I did call and was talk to very nasty by a XXXX and then they hung the phone up on me when tried to call back the recorded said they were close all i want is this resolve this account is not mine they cant find no recorded and i want it of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a previous Syncrony bank XXXX store financing account which I paid in full and closed. When I bought a new phone it would not allow me to register the new account because the old account existed on the same email. It is now impossible ( apparently ) for me to setup autopay for this card.

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 2022-01-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX-2021 I sent a letter regarding inaccurate and unknown things on my credit report. 
To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 170 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a debt mgr program with XXXX that went rouge on my account, which caused double payments to my bank account and failed to send payments to my creditors which caused a backlash of late payments. Discover customer service offered me a way but only to catch me up with several small payments and told me I would still be marked and fee for being late even with small payments. Then my bank placed a stop payment all together with Discover without my acknowledge, I had to find this out after asking Discover why my account kept returning payment even through I kept trying to pay the bill. I asked for my card number and they refused to give it to me. I gave them another account number to bring the account back to current and was promised that they can reverse the fees and negative reporting through customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
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:
I am writing about the inaccurate information that continues to report on my credit file because of the negligence of the Transunion, XXXX and XXXX representatives. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have requested on numerous occasions for validation and verification that the Transunion, XXXX and XXXX employees have received to show these fraudulent accounts are mine and have received nothing. This is because there is nothing as these accounts were opened fraudulently. However, Transunion, XXXX and XXXX reports that they have verified these accounts are in fact mine. Who at Transunion, XXXX and XXXX verified this account? Who did they verify with? I also have several other accounts where I have submitted the police report to show they were fraudulent accounts. Once again, Transunion, XXXX and XXXX is still reporting these accounts and the other bureaus have deleted after investigation. These accounts are ( XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX ). This is beyond ridiculous and negligent. I have also placed a fraud alert on my account to stop ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) fraudulent inquiries on my credit file.

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 2022-01-17
Company: EQUIFAX, INC.
State: OH
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 2022-01-17
Company: EQUIFAX, INC.
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

Company response to consumer: Closed with explanation