BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are reporting incorrectly that I am 120  days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5, 7 19 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2020-05-02
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a primary and secondary mortgage with Wells Fargo Home Mortgage and Wells Fargo Bank, N.A. I submitted my payment by mail to Well Fargo Home Mortgage on XXXX XXXX, and It didn't get process, until XXXX XXXX. It indicated on my mortgage statement that I would have been late, if not for the corona virus pandemic. I contacted Wells Fargo Home Mortgage on XXXX XXXX, and ask them to explain to me why it took 12 days, in order, to get my mortgage payment process, and their respond was that it was the XXXX XXXX XXXX XXXX that was at fault for not giving them the information that is coded on my return statement that is included in the window of the shipping information that indicate where the letter is going. They say that the XXXX XXXX normally give them the information, before the letter is delivery to California. This is the information Wells Fargo Home Mortgage 's Executive relayed to me by phone and it doesn't make sense. If it only take the XXXX XXXX XXXX to four days to delivery a mortgage payment by mail to Well Fargo Home mortgage, and if they can give them the code that indicate on the shipment of the letter my code, then why does it take twelve days for them to process my payment. I had this problem with Wells Fargo Home mortgage last year, and they charge me with a late fee. The only reason why I didn't get charge this time is because of the corona virus. Something MUST be done to fix this problem. I think that Wells Fargo Home Mortgage is trying to find a way to make more money off of me, as, a consumer by blaming someone, else for the issue, and then charging me an additional FEE!!!

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 2021-06-07
Company: EQUIFAX, INC.
State: AZ
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, 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 have submitted serval complaints about my reports not reporting 100 percent accurate I errors which are FCRA violations. I would have to have to file and take this matter to the next level.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The problem I have with the credit bureau stating I dont have a security freeze, but when I apply for any account it get declined. The creditors stating I have a security freeze which I dont per the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX has unlawfully allowed false inquiry on my files which i did not authorize. over five companies showing. furthermore remains non compliant with removal of : XXXX XXXX-not collecting XXXX  or XXXX XXXX-10years old account XXXX XXXX- disputed in full, unauthorized charges present XXXX-not collecting and no response XXXX- hostile torwards me, TILA violation, bureau non responsive in removal, atty hired served with other accounts for removal and keeps adding them back.

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 2022-08-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I bought this item from XXXX on XX/XX/XXXX of XXXX. Hi returned item on XX/XX/XXXX by mail which they confirm they have received. For some reason I couldnt go back to store. Since then citizens pay or whatever they call themselves now have been told to refund my money. This was for the XXXX XXXX and also the 24 month all access pass which totaled to XXXX. I have talked them over 3 dozen times and sent them numerous emails with XXXX  customer service ccd on each email. XXXX said their shouldnt be any reason why they shouldnt have gave me my money. Citizens had me paying for months in which the first time I spoke with them. They said do not worry, dont pay anything as it would take time but resolve. Lies!! They had me miss my first payment on any credit or loan I had in the past 10-15 years. Taking my score down a good 35-50 points. I called to speak with them and they said sorry for the confusion and thatll take care of it but at that time I would have to complete making payments every month until they figure it out so I did so. All the ay up to XXXX. In which they now owe me. I spoken to them at least four more times after we got to that process I called beginning of XXXX of this year and finally they said the check has been sent out on XX/XX/XXXX which would take up to 45 days from Rhode Island. I had no faith in this company has theyre the worst ever I dealt with and feel like its a scam. Even XXXX cut ties with them. I spoke to a representative today for the lack of faith and here we go again they tell me that the check hasnt been sent out but it should be soon. I know this is just another step for them to continue to lag on pay me back my money. Ive spoken to higher-ups the middle people and the regular agents and all of them have lied give me incorrect information and giving me the runaround. As my balanced stand is XXXX dollars right now they owe me that {$310.00}. This has been going on way too long XXXX also changed their name from citizens one to citizens pay. My last case number was XXXX Ive been giving wrong info by XXXX, XXXX, XXXX. Also a request refund from a XXXX XXXX. Way before I spoke with those other agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was mislead by a seller and sent money on XX/XX/2020 to a individual for merchandise and shortly after sending the money the seller disappeared. I reached out to the company and they said they can not help me resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: VIRTUOSO SOURCING GROUP, LLC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a call from Virtuoso Sourcing regarding a collection for XXXXXXXX XXXX XXXX from a debt in 2014. I researched XXXX XXXX XXXX and realized that they are a utility company in Florida. I have lived in Texas my entire life and have never owned property in Florida. I disputed the collection with XXXX but the XXXX website is n't functioning so that I ca n't submit a dispute with XXXX. The date of the bill was 2014 when I had another electricity provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Have a security freeze on account with Equifax. Been trying several months to have it removed. Can't reach anybody on the telephone. Was told to submit in writing, which I did, and was told some sort of code would be sent to me allowing me to lift freeze on line. No code has been received. Very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: LA
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:
Equifax and XXXX  should not be reporting that I am ( 60-89 ) days late on the XXXX accounts. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance. Please keep in mind that it would be impossible to be late on accounts that have no balance due. This false reporting of lates is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The Circuit Court of XXXX County started a foreclosure proceedings process while I was under the protection of Federal Bankruptcy Protection. And they furthermore, granted the banks J. P. Morgan Chase, N.A., and XXXX XXXX, XXXX, ( The Trustee for J.P. Morgan Chase ) who actually filed for the foreclosure proceedings which was an illegal act in and of itself! 
There was evidence of bank fraud and the case was heard by a circuit court judge without me being present for the proceedings nor was I notified of said proceedings. The way I came to know about all of this is when a process server taped a notice on my door, rang the doorbell and ran back to his vechicle and drove away. So, I never had a chance to face my accusers, which is a violation of my constitutional rights. And, the process server gave false affadivit stating that he served the homeowner and that was not true either. I tried to obtain justice in the Federal District Court but the case was repeatedly thrown out citing the lack of subject matter jurisdiction each time. It was never on the merit of the preponderance of evidence that I provided to the court for remedy and recourse. The Case No. # XXXX, and the XXXX Court dismissed the case also citing lack of subject matter jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In early XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. I have sent in three FTC/Identity Theft reports, along with the Account Name, Account Numbers and Inquiries that do not belong to me. TransUnion is allowing a XXXX XXXX XXXX ( {$300.00} ) and XXXX XXXX ( {$500.00} ) to continue reporting on my credit file. I do not know where they originated from and I DO NOT possess an inquiry for either account. I have submitted these accounts as fraudulent, sending in the proper documentation and TransUnion and XXXX  are refusing to remove them. XXXX is the ONLY bureau that fixed the problem, immediately. Prior to this situation, my credit was stellar and now, both accounts are reporting as late payments and my credit is being ruined. I need this fixed, as soon as possible. 

I did recently move into another apartment, I am not sure if some of my information was stolen. In the past.

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 2018-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The credit agencies are reporting that I owe child support inwhich I do not on order to report such an issue one has to be summoned by the courts, however in my case the courts stated that I do not owe child support, so I'm asking that the credit agencies remove and block the issue from my 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 2020-05-02
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I have a car loan through BBVA Compass. I have had auto payments for the last 76 months. I called today to see how to obtain my title since my car was finally paid off last month. They tell me that they did not auto pay my bill for the first time in the 76 months and that my last payment has to be paid over the phone. They never notified me of such a thing that my payment would not be auto paid. Then she said because of that my payment was 38 days late and they sent me to collections! This is complete fraud. I have made every single payment on time each month because of auto pay and they just decide on the very last payment to stop auto pay and send me to collections? This is going to affect my credit and it is NOT okay. What kind of company does this??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
i have been trying to have a collection account removed from my file. XXXX  and XXXX have corrected the issue but i can get a final resolution with equifax. i have been trying for at least 6 months. the person i dispute i owe the money to agreed to remove it from my file. however, my disputes with equifax have not resolved the issue. the most recent dispute went over 30 days without a response from XXXX XXXX and i requested that it be removed for both reasons ( the originator agreed to remove and the collection company did not respond within the limits defined by the fair credit reporting act ) last month, equifax did remove it from my file but immediately re-added it back to my file???? 

below is information from equifax files that confirm they removed the disputed item then added it back to my file. by law, once it has been removed for collections non compliance with the fcra - it may not be added back. i need equifax to resolve this problem and not allow it to occur again. 

Based on Equifax data Credit changes Current score XXXX XX/XX/XXXX No score change We found 4 changes to your Equifax credit report. 

New Accounts In Collection XXXX XXXX New Account in Collections {$99.00} Accounts In Collection Removed XXXX   XXXX Collections Account Removed {$99.00} Credit Limit Increase XXXX/XXXX  Limit Increased by {$400.00} Balance Decrease XXXX/XXXX  Balance Decreased by {$14.00} Expecting a change that you dont see? Equifax may not have updated your report yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: EQUIFAX, INC.
State: NC
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:
My XXXX XXXX credit card was paid off, XXXX balance in XXXX XXXX. XXXX. XXXX reported to the credit bureaus my acct was past. In XXXX XXXX, XXXX. XXXX reported the acct 90 days past due. In XX/XX/XXXX, XXXX XXXX reported they charged it off as a bad debt. The credit bureaus post this inaccurate information, failing to recognize it has a XXXX balance. I disputed the info to XXXX  in XX/XX/XXXX, File no.XXXX. XXXX. XXXX responded to XXXX  acknowledging the account was paid off in XXXX XXXX. Eight months later, XXXX. XXXX still has not contacted the credit bureaus and acknowledge their error. The erroneous info is still on my credit report and has caused my credit rating to fall by 50 points and my credit limit to decreased on my XXXX card. This inaccurate will remain on my credit report for seven years. XXXX. XXXX has knowingly and purposely caused negative affects to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On the XX/XX/XXXX, I sent in letters regarding inaccurate reporting of false items on my credit report. I have not received their method of verification nor the results of their investigation. I feel like I'm being ignored of my claims and disputes. These are deceptive practices of the 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 2018-02-01
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
company is attempting debt that does not belong to me which is causing a tremendous decrease in my credit score. I value my credit and have put blood, sweat and tears and achieving the positive score that I have. The agency is collecting for XXXX XXXX XXXX whom i currently have auto insure with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Apple Credit Card, using Goldman Sachs are asking for people to pay their debt and when the systems do not allow you to, they are directing you to a phone number that asks if you have been affected by Covid and want to delay payment press 1. If you want to continue, press 2.  Pressing 2 errors out and says the number isn't valid. I brought this to the attention of Goldman Sachs support person who would not address the issue. I was unable to pay with the card, because I had closed the account and deleted the app. In order to pay, the only option given was through the app or phone. Both systems down? This is not an accident, the largest tech company and one of the largest financial institutions are pushing people to claim clovid not to pay. This is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied online at XXXX for the XXXX XXXX XXXX, provided through Synchrony Bank, on XX/XX/2018. 

XXXX did a credit pull inquiry on that day, and momentarily approved my card application. Here is the record of it on my XXXX XXXX XXXX credit monitoring report : Alert Type : New Inquiry Processed Date : XX/XX/2018 Inquirer 's Name : SYNCB/XXXX Phone : ( XXXX ) XXXX Type of Industry : Bank Address : XXXX XXXX XXXX, XXXX, FL XXXX This is all expected. 

Then, the following day XX/XX/XXXX18 I was notified of additional activity on my credit report, because Synchrony pulled my credit again for the same card and original application, with no consent from ( or contact of ) me in the meantime. Which thus caused a corresponding minor but non-zero decrease in my credit score. Here is that record : Alert Type : New Inquiry Processed Date : XX/XX/2018 Inquirer 's Name : SYNCHRONY Phone : ( XXXX ) XXXX Type of Industry : Bank Address : XXXX XXXX XXXX, XXXX, GA XXXX Given XXXXXXXX XXXX size and their ability to strongly market this product and incentivize customers to apply, this could easily be negatively impacting the credit ratings of hundreds of thousands or even millions of people!

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