BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Hello, I am writing to complain about incorrect credit information which is appearing on my experian credit report for a XXXX credit account. XXXX on XX/XX/2020 reported my account as 30 days late to experian. This update flagged my account negatively and brought my score down by 21 points. I worked with XXXX to resolve the issue and had them correct it at their end ( I have a letter from XXXX which confirms the correction ) .However the department within XXXX which communicates with credit bureaus has not corrected the information on their end and is still relaying older, incorrect information related to my account to experian. I also worked with experian to rectify this error by providing them supporting documentation from XXXX but as per experian they have not received any updated information from XXXX  to remove deliquency. I have been thrown in circles by both of these companies- experian and XXXX credit reporting department. XXXX, on each call has confirmed that from their end the account is current and has never been late however Experian is still reporting the account as 30 days past due in XX/XX/2020. 
Experian on XX/XX/XXXX - report number XXXX, corrected the information but on XX/XX/XXXX - report number XXXX again published incorrect information. 

This is a pure example of missing links in the process which XXXX   uses to update and make changes to credit bureau reporting as well as inefficiencies of credit bureau to be able to accurately verify and update information. I am not sure which company 's process is broken but I am victim of this broken dysfunctional process which has negatively affected me and is hindering me from moving forward with my home buying process. I would like to request experian to remove 30 day delinquency attached to my XXXX  credit account and also appropriately update my score back. The day delinquency was posted, my score dropped by 21 points and I am hoping that it will be reverted. Looking forward to a resolve, I will be happy to provide any supporting documentation needed. Thanks

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 2020-11-16
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received the marital residence in my divorce. I went to the title company to find out what had been going on with my house as the payment had went up substantially since we built it, closing in XXXX. I found out my now ex husband had refinanced our house multiple times without my knowledge. Then he started hardship letters, and loan modifications. In XXXX of XXXX he refinanced and somehow got my name off the mortgage loan. Because of this the loan servicing company wouldnt even talk to me. One modification that stood out to me the most was one done in XXXX of XXXX. The notary I knew personally. I was out of the country when the modification was signed, notarized and stamped. When I questioned the notary about it she denied doing the notary, but after turning it over to the sheriffs department when they questioned her she told them I signed in front of her. How can that be? I was in XXXX with my sister on XX/XX/XXXX. I had proof. The detective  didnt care. He said she said I signed in front of her so the investigation was at a standstill? I contacted Wells Fargo and they sent me what they had on file for my home. What they have and what XXXX county has on record do not match, and the loan modification that was signed and stamped in XXXX of XXXX, they sent me a copy of that modification. They have a different notary that signed and stamped then what is on file. Not only a different notary, but they show the notary signing on XX/XX/XXXX, and we supposedly signed the papers on XX/XX/XXXX. What happened to XX/XX/XXXX? And how can a notary sign and stamp papers that we didnt even sign until XX/XX/XXXX? I did not sign any papers! Now I am fighting to keep my home because of illegal actions of others. I had a mortgage on my home. Now Im not even on the loan? And my now ex took so much money from our house without any consequences? I am confused as to how nobody noticed any of this, and I want justice.

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 2020-05-14
Company: U.S. BANCORP
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In trying to resolve a disputed error on my credit report with XXXXUS Bank for more than a year and to no avail have they responded to the error made on my credit report. To date, it continues to show a late payment entry from XX/XX/2014 as that is impossible since the account was closed and transferred to another lender with the same account number and that one showed no late payments and paid-in-full. It appears that I have a double entry for two of the same accounts. After being assured that all would be resolved, all ( 3 ) credit bureaus still show inaccurate payment information. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX, XXXX and XXXX  and creditor directly. I appreciate any assistance you can  provide in clearing this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22
Company: MARINER FINANCE, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Mariner Finance is showing a collection debt of {$720.00} which is for an original creditor of Regency Finance Company. The original debt was covered by insurance and is no longer owed due to insurance claim filed because of permanent XXXX. Paperwork showing evidence of permanent XXXX has been provided to Regency Finance/Mariner Finance on numerous occasions and Regency Finance/Mariner Finance has advised that this account is closed and debt is no longer owed.

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 2020-11-20
Company: Experian Information Solutions Inc.
State: HI
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:
Reporting late payments, which is incorrect Reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted repeatedly by phone and by mail by XXXX XXXX XXXX, who say they represent Honda. They are trying to collect an old debt. They obviously are not the originator of this debt ( {$1100.00} ) ... I haven't owned or leased from Honda for over 4 years. This 3rd or 4th party collector came from out of the blue. 

Phone calls have been previous to XX/XX/XXXX at XXXX XXXX. Phone number was XXXX XXXX. 
The next call came at XX/XX/XXXX at XXXX XXXX. Same phone number. Several other calls were made before these, but although it was the same number, I did not record the date and time. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I wrote them early in XXXX saying I did not know who they were and had no business with Honda anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
EVERY TIME I SUBMIT A COMPLAINT WITH THE CFPB THE ONLY RESPONSE I GET FROM THE CRA IS ... ... .. 
( Company 's Response After careful review, we have determined your complaint includes a dispute of information appearing on your credit report ; therefore, we have forwarded your complaint to our consumer relations center for processing. You will receive your results within sixty ( 60 ) days from the date you submitted your complaint to the CFPB. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at https : //www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please contact www.transunion.com ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX  THIS IS NOT A PROPER RESPONSE PLEASE DO A PROPER INVESTIGATION IN DISPUTED ITEMS ON 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 2020-11-16
Company: Experian Information Solutions Inc.
State: TX
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:
I asked for the information used to verify an account thats displaying inaccurate information under my name. I understand the any information thats attached to my social security number or that is being reported, Im entitled to copies of documentation by law. Experian have refused serval times to send me the documentation I have asked for. The company claimed they verified information based on information that previously appeared on my credit report. I asked for documentation of how they verified the inaccurate information listed under bankruptcy and the refused my request stating they dont have to provide that information which make me think they have falsely investigated my request.

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 2020-10-15
Company: SYNCHRONY FINANCIAL
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is claiming I have a {$3100.00} credit card debt from Synchrony/PayPal. I contacted PayPal on XX/XX/20, they stated I did not have a debt and had no account delinquencies. 

Per the directions on the XXXX collection letter, on XX/XX/20, I mailed a request for complete transactional history for the account. 

Synchrony bank responded in writing, XX/XX/20 that they sold the account to XXXX, no transaction information was included. 

On XX/XX/20 I received a pre-legal notification from XXXX. 

I can not get PayPal, Synchrony bank or XXXX XXXX XXXX to provide any transaction details to this account. 

I do not believe it is my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Avant Credit Corporation
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I received an email stating that I was denied a loan. I never applied for a loan or gave the company my information or permission to run a credit report in my name. I've attempted to contact the company to resolve the issue and they refuse to respond to me and my request for information. I've been attempting to contact them since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
Thank you for taking the time out to read my complaint. I was reported late on my credit report ONE time from Capital One bank. It reported XX/XX/2019. I called and explained that my identity was stolen that month and my bank closed my bank account so the automatic payment did not go thru. I advised them of the issue when it happened in XX/XX/2019 by phone call that it may even be late but I was willing to send in police report and even a letter from my bank to verify. After the investigation on my bank and my funds were back I called capital one bank and made my payment and they still reported it. I have been pleading with them to remove it and no luck. I emailed the ceo, mailed and faxed numerous of letters and still no help. Ive despites multiple times and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Experian Information Solutions Inc.
State: MD
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:
Experian is not reporting both of my XXXX cards on my credit 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 non-monetary relief
Consumer complaint received 2020-12-03
Company: Mid-South Adjustment Co., Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account so many times for incorrect information. The last dispute was XX/XX/2020 and current. This is not a valid debt and ask for it to be removed. {$410.00} for XXXX XXXX XXXX XXXX. This is not my account please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
I got a Bank of America travel rewards credit card in XXXX. I set up automatic payments immediately upon activating the card. One day after my second bill was due, I found out that the bill had not been getting paid automatically, and I was responsible for two late payments on the card. I was never notified by Bank of America that I missed any payments. I contacted them and they could not help me, only tell me that I did not have automatic payments set up on my account. I have had more than enough money in my BofA checking account, which is the account I set the payments to withdraw from, to pay these bills.

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 monetary relief
Consumer complaint received 2018-07-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The company is using other 's purpose letter to resolve these issue. This letter was never intended for vehicle loan verification and stop harassment since by California Law you're not supposed to contact me, so why would I stop calls for collections from a loan company? On the other hand, Why would I want to lose my vehicle and/or my loan thru Wells Fargo Dealer Services?. 
This letter was sent in response to Wells Fargo Checking and Saving accounts. My accounts were closed supposedly because I was overdrawn with money that the Bank posted on saving account when the check was presented for payment on checking account. Further details aren't necessary to share since this letter was only for that purpose and NOT to stop Wells Fargo Dealer Services calls and payments reminders, and so on. As you can see an error was made and I'm paying the price with late payments. Your crew should take serious responsibility with customers and don't forward letters to wrong departments and/or a totally different part of the Bank which is car loans. 

Attached files are the previous response. A response that was based on a letter that wasn't supposed to be forwarded to them. 

The previous request added below : I wasn't completely clear in my first complaint and resubmitted complain for which I'll be now. My concern isn't whether I paid late or not. This isn't an attempt to have my credit records cleaned up and bad information removed due to my own responsibility to pay on time, but a claim to have the company rectify its mistake and remove two 30s days late payment reported to the major credit companies because company didn't get in touch with client ( me ) to inform I was a month behind when making my monthly payments and had used excuse I opted out from being called by phone. But, letter communication, statements, robocalls, emails, still exist and the company didn't comply to use them. The company put me under do not call list and claim not to contact me to address my late payments issue because of this very reason. I did not ask them to put me in such list and I did not want them not to call me, for which I'm communicating with the company to resolve this issue, all damage that has caused me and to my credit file. I'll be contacting the attorney office, plus I'll sue the company for their mistake in all possible ways. I'll gather all the help I need to further assist myself in such matter to get the result I'm seeking due to their miscommunication and company ethical function and/or operational process with all 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 non-monetary relief
Consumer complaint received 2021-08-11
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/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Several times we were contacted by number ( XXXX ) XXXX and finally on XXXX XXXX 2017 my wife answered. They disclosed information about a debt owed. She informed them that payment arrangements were already made. I then contacted the collection agency also informed them that the call was being recorded from my end as well. XXXX took the call and insisted that I owed a debt. I informed her that payment arrangements were already made ; she stated that we had missed a payment and for me to prove that a payment was made. She stated that we owed {$2700.00} and asked how I would like to pay for it. We do not owe {$2700.00} ; we owe only {$2600.00}. I have never received a written notice from this company ; additionally XXXX failed to inform me that I had a right to dispute the debt, furthermore she indicated that they just received the account on XXXX XXXX 2017.  On my credit report the name of a collection agency is XXXX XXXX XXXX ; XXXX informed me that her companies name was XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. Even though we have payment arrangements made with XXXX this company still insists that we owe the money to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation