BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: OH
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 XX/XX/XXXX, My credit score dipped 22 points with all three bureaus. This is confusing because it shows this is due to a {$660.00} decrease in my credit balance with XXXX XXXX. My credit score is suppose to go up with a balance increase. Issue two is that it's indicating that XXXX XXXX removed some type of remark??? I have not seen any remark on my report dating back to two months ago when I was notified a remark was added. This goes into my last most critical concern, why did XXXX XXXX immediately remove this remark simultaneously after I paid {$700.00}. on my credit card balance. That's seems to be retaliatory. 
I need a firm understanding of the bureaus impact and XXXX XXXX sudden behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX XXXX promotes paperless billing and provides an online and mobile app for customers to access payment information. 
XXXX XXXX online billing and payment history did not ( and still does not ) provide correct information regarding a payment on my account : Payment of {$410.00} made on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX statements. 
XXXX online billing and payment history shows XX/XX/XXXX payment of {$410.00} as a processed payment, provides a confirmation number, as well as a green check-mark, just as all other payments that have been made. This payment was actually returned due to NSF from my bank. I did not receive notice from XXXX XXXX. 

This misinformation led me to believe my account was up to date. In reality my account was past due from XX/XX/XXXX through XX/XX/XXXX, and two 30 day delinquent payments have been reported to credit agencies for months of XX/XX/XXXX and XX/XX/XXXX. It also caused continued late fees and interest to build on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I scheduled an automatic payment for my XXXX credit card. Comenity bank does not offer auto payments, thinking about this- how stupid? They obviously pray on people by using a very complicated site that barely function correctly. I was surprised to receive notice that my payment was missed. I check my internet history and it shows the completed scheduled payment link, just as it does my XXXX card, which is issued by the same bank, which went through. I emailed and received a canned response. They need to streamline their program to allow automatic payments and ensure their website functions correctly at all times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The Mortgage Company, Newrez, has removed the ability to pay mortgages using credit or debit cards, only offering bank draft. This makes it more difficult to pay mortgages for consumers and causes confusion as bank drafts take several days to post to bank accounts. This can cause overdrafts, bank fees, late fees, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I tried to upload these documents on the Experian upload portal for identity theft. The documents will not upload. XXXX XXXX Account number, XXXX XXXX Account number XXXX XXXX Account Number XXXX XXXX XXXX Account number The XXXX XXXX Account Number. I did not open these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

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 2021-07-02
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
This acounts i never opened them they are not mine and someone else used my name so this are fraudulent. Please remove them from my credit report as soon as possible. XXXX! XXXX XXXX XXXX XXXX, Acount # XXXX XXXX XXXX, amount {$1600.00}. XXXX XXXX XXXX, XXXX # XXXX XXXX, amount {$570.00}. XX/XX/XXXX XXXX, Acount id : XXXX amount {$590.00} XX/XX/XXXX XXXX XXXX XXXX, Acount # XXXX XXXX XXXX, amount {$7100.00}. XXXX, subject loan # XXXX, amount {$5000.00}. Im disputing this again and please take this off my credit report from XXXX, XXXX, XXXX. Thankyou for understanding and your help really appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: FIRST GUARANTY MORTGAGE CORP
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
I am an XXXX and Good Mortgage, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX TX XXXXXXXX has failed to make payment on a {$150.00} debt it owes my company XXXX XXXX and XXXX XXXX for XXXX XXXX rendered on XX/XX/2022. Multiple email communications between me and Good Mortgage have resulted in continued promises to pay, but no payment of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a resident at the XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/2019 to XX/XX/2019 managed by XXXX XXXX XXXX. During my brief time here the property was in consist violations of local and state paste waste removal laws creating an unsanitary living condition. Per the terms of my lease the owner ( XXXX XXXX XXXX ) had the responsibility of keeping the property and premises in a sanitary condition or I could exercise a clause within the lease to terminate without any extra fees as long as I have the property reasonable time to resolve the issue and notified them in writing. I notified the property management of the excessive pet waste on multiple occasions and was never resolved within a reasonable time ( 2+ months ). Due to the lack of attention my maintenance staff and property management I decided to exercise the clause I stated above to terminate my lease. Due to the COVID-19 pandemic I provided them with both and email and mailed letter with my notice of intent to terminate. I also attempted to contact the leasing office on numerous occasions but only ever got to a voicemail and was never able to get any resolution with XXXX Corporate office directly. On XX/XX/XXXX ( due to the leasing office reducing in office hours ) I turned in all keys and moved out of the premises as stated. As the location never provided me a corrected bill with the prorated amount owed I provided them a notice in writing that any bill outlining cleaning charges and rent charges owed could be sent directly to my new address. Since that date I had not received any further communication from the property or any invoices for amounts owed. Instead today I got a letter from a collection company attempting to collect a amount owed that was never invoiced or agreed upon to myself. Based on my monthly rent the amount they are attempting to collect ( {$5300.00} ) is significantly more than any rent amounts owed or cleaning costs that could of occured.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX  and XXXX XXXX XXXX broke law andfair debt collections practice they said i was served with court documents but i was not uneven in town i sent demand letter asking for all negative reporting and court documents to be removed they agreed. Credit bureaus have failed to remove from report

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 2018-02-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am on the phone on hold for over 1 hour and 20 minutes waiting for Experian to answer a question about my account charges. I have been a customer since XX/XX/2009 and this is how they treat you when you have a questions about their charges. I'll bet this is not the way they treat someone who wants to sign a new contract. 

The call took a total of 2 hours and 2 minutes of my time. 

While I intend to leave Experian because of this treatment, Experian needs to be investigated about how they respond to their customers.

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 2021-07-02
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:
My name is XXXX XXXX. Identity theft has happened to me. I've attached a notarized Identity Theft Affidavit verifying that this report was indeed submitted by me. I did not authorize these requests for information, and I did not validate these charges in the list. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: Advanced Resolution Services Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On or around XXXX 2017 I contacted ARS ( Advanced Resolution Services, Inc. ) in regards to obtaining a copy of my report and to also put a freeze on the file due to identity theft and/or a merged file. On two different occasions I faxed over the request documentation and each time the company would respond in writing stating I need to provide proof of identity although I had done that both times by providing my GA drivers license, and SSC as well as a bank statement/XXXX. On XX/XX/XXXX, I received again the same exact letter from the previous two attempts but this time I included a notarized copy of the information mentioned above. On all communication the reference Log # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I rec 'd a letter from NY State Dept of Taxation and Finance stating I never paid my XXXX quarterly taxes. I paid all of my quarterly taxes through Chase on line banking. These are the 4 payments : XX/XX/XXXX transaction # XXXX in the amount of {$440.00} XX/XX/XXXX transaction # XXXX in the amount of {$220.00} XX/XX/XXXX transaction # XXXX in the amount of {$220.00} XX/XX/XXXX transaction # XXXX in the amount of {$450.00} All of the amounts were deducted from my checking account. I went to my local Chase Branch and they told me they could not get me copies of the cancelled checks that NY State was requesting for proof of purchase. I then called Chase on line banking and was told the same thing but that they would research the matter. I waited a week, called back, and they told me there was nothing they could do and that the only thing they could provide me with was a letter stating the check was sent and paid. Again, they told me they'd research the matter and get back to me. I never heard back from them. I called again last Friday XX/XX/XXXX and spent 3 hours on the phone with them begging them to get me copies of the cancelled checks. They told me that after 13 months the checks are archived and they can not accommodate my request. This makes no sense, since 3 of the checks are less than 13 months old. I filed a complaint with Chase, the complaint number is XXXX and I was finally able to file a claim requesting the money be returned to my checking account so that I can pay NY State the money they claim they never received. The reference # XXXX. Despite being told that I would hear back from Chase regarding my complaint in 2-3 business days I never heard back from them. I am worried that NY State will send this to collections and I would like either copies of the cancelled checks from Chase as proof of payment OR the funds returned to my checking account so I can pay NY State. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: ENOVA INTERNATIONAL, 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: Their investigation did not fix an error on your report

Complaint:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Inquiries despute XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Amex XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid for a flight on XXXX XXXX on XX/XX/XXXX for XXXX 
Sometime after that I was contacted by Citi that my card may have some fraudulent charges. That I needed to replace the card. XXXX of the charges that THEY put in dispute was with XXXX. I received a notice that the charge was in dispute along with a new card. I told Citi that the charge was a legitimate charge and for them to correct the dispute. 

In XXXX I postponed the flight till May because of the Covid19 pandemic. XXXX later contacted me and cancelled the flight. When I called them to check to see if I was refunded the money, they said they had no record of the charge. 

In my XXXX statement, I had a charge on XX/XX/XXXX for the {$790.00}. I called XXXX and was told they reversed the charge back to " my bank '' on XX/XX/XXXX. When I called Citi I was directed to their security dept who said they had never received the money From XXXX  and that I had OK 'd the charge and insinuated that I was to blame. I made multiple calls to XXXX and spoke to at least 7 people at Citi. No one seems capable of tracking what has happened to the {$790.00} and I am unable to resolve the issue. 

I fault Citi for filing the dispute and for not being able to find out where the money has gone nor willing to make any further effort to track it. AND WHY SHOULD THEY! iT IS ON MY BILL AND I WILL HAVE TO PAY IT OR GET CHARGED PENALTIES AND/OR INTEREST!! AND I HAVE NOT RECEIVED ANY MERCHANDISE NOR SERVICE FOR THE CHARGE.

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