BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-30
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
My correct DOB is not reporting on my credit report. 

XX/XX/XXXX Multiple addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2019-04-30
Company: EQUIFAX, INC.
State: AR
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:
Spring of 2018 I was denied for an apartment complex and I was advised by them that they used a sort of Rental Equifax bureau. I check my credit regularly and never saw any of the information that they had. I tried contacting Equinox and spoke with two departments that which refused to provide me information on how to obtain/request my renter 's report. The rental equifax is a consumer reporting agency WITHIN Equifax that is reporting information on me that they refuse to allow me to see. According to the apartment complex, there was some sort of eviction on my record and I'm for certain that it is the result of fraud/identity theft, but because Equinox isn't cooperating, I can not get to the bottom of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XXXX XXXX, 2017, I called my credit card company, Capital One, to request a reward check. I spoke with a woman named XXXX. She wanted to confirm the name of my business. I requested this card about 20 years ago, and at the time had a small business. After I ended the business, I tried many times to change to a residential card, but was told there really was no difference, and no need to change it. When I explained this to XXXX, she said she was " cancelling my credit card, immediately ''. She was very rude. She said if I wanted a card, I would have to request a new one. This card was compromised twice in the past year, and many of my monthly bills are paid by this credit card. Now I had to contact these businesses again. I will never use Capital One again. I was a customer for 20 years, and always paid the entire bill monthly. I called them and wanted a supervisor or manager, and got XXXX. She said there was nothing they could do, and refused to let me speak with anyone. I received a letter today from them stating they closed my account, as requested. It was signed by XXXX XXXX XXXX, XXXX with no phone number to call. This is pathetic customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Sent by certified mail on XX/XX/XXXX and XX/XX/XXXX a dispute request to both XXXX and Transunion regarding some information that is being erroneously reported on my credit report. I have requested several times that I be supplied with specific Method of Verification information as it relates to public records in my file as it states reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I supplied both XXXX and Transunion with a letter from the XXXX XXXX XXXX for this district stating " The Clerk 's Office does not provide information to credit reporting agencies. On XX/XX/XXXX XXXX sent a new credit report with my dispute results stating the company that reported the information has certified to XXXX that the information is accurate. With their investigation, they did not supply me with specific information as I requested. Name of person spoken with, telephone number of said person, address, date of conversation. Transunion simply replied with Verified as Accurate. That does not conform to the FCRA guidelines. I also have a security freeze on XXXX XXXX, XXXX and XXXX. Their failure to furnish me the verification method and the fact that they continue to " verify '' this record in my file is a blatant violation of my consumer rights under the Fair Credit Reporting Act. As you will also see from the page from my XX/XX/XXXX three bureau report both Transunion and XXXX continue to show a bankruptcy yet XXXX has no record of a bankruptcy.

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 2021-06-03
Company: SYNCHRONY FINANCIAL
State: AZ
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:
I received an email stating i applied for a card from verizon.

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 2021-06-03
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters to XXXX XXXX, and Experian asking them to remove the account XXXX XXXX Account # XXXX from my credit report because this account is Deficient of Physically Verified Validation. XXXX XXXX XXXX is in violation of the FDCPA U.S. Code 15 USC 1692e 807 False or misleading representations, and U.S. Code 15 USC 1692g section 809 Notice of debt ; contents. XXXX XXXX is trying to collect a debt on behalf of XXXX for the amount of {$1300.00} that i do not owe. It's reporting on all three of my credit reports as a collection account. Account # XXXX. I notified XXXX XXXX in writing that i was disputing the debt and to please send me a validation of debt per FDCPA section 809 ; Please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is their authorization of law for your collection of information? 3. What is their authorization of law for your collection of this alleged debt? 4. Please evidence their authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. They have yet provided this information which is in violation of the FDCPA. XXXX XXXX, and Experian have yet to remove this account from my consumer report which is a violation of the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Their failure to positively verify the account XXXX XXXX Account # XXXX has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the 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 2022-08-08
Company: Experian Information Solutions Inc.
State: SC
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 have not been checking my credit. Recently as an account with your name addresses a different Social Security numbers. The following are fraud accounts name addresses thats on my credit report. Accounts : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX SC XXXX Phone numbers : 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 non-monetary relief
Consumer complaint received 2020-05-01
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as LATE on my credit report which has affected every aspect of my life negatively. 

Reason : My bank rejected the payments, but as the documentation shows I was a victim of Identity Theft and as an error they rejected it. They have requested XXXX to remove this because this is not my fault. I don't have control with what happens with the banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a XXXX Amex card since XX/XX/XXXX. The XX/XX/XXXX is my anniversary date. I should get a free night award every year after the card account anniversary date. The benefit terms saying " The free night award will be automatically deposited into your XXXX XXXX member account within 8-12 weeks after your card account anniversary date in the form of an e-certificate. '' Today is XX/XX/XXXX. My anniversary date is XX/XX/XXXX. It has been more than 13 weeks. I still don't receive it. Amex violates their terms. I talked to their customer service. Their representative told me they had created a case for me, which I really appreciate it. And the representative told me i need to wait another 6-8 weeks to get the results. Can you believe it? I need to get an annual free night award after almost half a year since the anniversary date. XX/XX/XXXX is my birthday. You can check through your record. Originally, I want to use this free night with my lover and spend a wonderful day together to celebrate my birthday. But now it's totally ruined.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the XXXX. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Got approved for loan modification with prior servicer, XXXX XXXX XXXX in XX/XX/XXXX, made my 3 trial payments on time, then told I got paperwork in too late and would need to submit loan mod request again which I did in XX/XX/XXXX. Approved again in XX/XX/XXXX after I made my regular payments again for several months and was waiting for mod package in mail when this servicer, XXXX sold my loan to Shellpoint. I contacted Shellpont in XX/XX/XXXX and was told by my point of contact, XXXX XXXX that yes, Shellpoint would honor my prior loan mod. A week later, XXXX XXXX took over from XXXX and said no, we will not accept the prior loan mod, you need to submit new one. On XX/XX/XXXX from my bankruptcy attorney 's office, we faxed and emailed a Shellpoint form of loan modification request. I've called and called and no one has gotten back to me. Then a couple weeks ago I received a notice of change of servicer from Shellpoint to XXXX XXXX! It's been over 30 days with no response to my mod request. Also, when I called last week to inquire about it, I was told the loan will be sold on XX/XX/XXXX, so there is nothing we can do! I can not afford the payments of {$870.00} a month. The modified amount I was paying last year to XXXX was only {$520.00} a month. The servicer has been changed 3 times since XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Didn't verify my debt in timely fashion.According to the FCRA you still have to verify the account if I ask. And what gives you the right to charge interest?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Re : Claim for Reimbursement of Penalty Paid by Purchaser/Mortgagor Due to Wells Fargo Appraisal Process Date Mortgage Loan Approved subject to Appraisal : XX/XX/2022 Original Closing Date : XX/XX/2022 Revised Closing Date : XX/XX/2022 Wells Fargo Appraisal Timeline : Date and Amount of XXXX XXXX by XXXX : XX/XX/2022 ; {$400000.00} XXXX XXXX Deficiency Acknowledged by Wells Fargo : XX/XX/2022 ; XXXXXXXX XXXX asked to Review and Update Appraisal Date and amount of XXXX  XXXX by XXXX : XX/XX/2022 : {$400000.00} XXXX XXXX XXXX XXXX XXXX  Retained ( XXXX XXXX ) : XXXX XXXX Date Received and Amount of XXXX XXXX XXXX XX/XX/2022 ; {$430000.00} Date XXXX  XXXX Approved by Wells Fargo : XX/XX/2022 ; not in sufficient time for closing. 
Final Closing Date : XX/XX/2022 Penalty Incurred by Purchaser/Mortgagor and Paid to Seller : {$1200.00} at a rate of {$400.00} a day for each day past the closing date. 
The delay was caused by Wells Fargo due to the materially deficient first and second appraisals and the delay in finalizing the third and final appraisal. 

We have requested reimbursement of the delay penalty from Wells Fargo and sent XXXX additional letters to follow up on the Wells Fargo responses by various Senior Escalation officers- each one taking a slightly different tack to decline responsibility for the delay and subsequent penalty. Wells Fargo was aware of the provisions in the purchase agreement and the potential monetary penalty for a delayed closing.

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 2017-11-27
Company: Diversified Consultants, 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: Account information incorrect

Complaint:
Earlier this summer of 2017, XXXX ( an agent located in call center Colorado ) and I agreed on a final balance due XXXX of {$46.00} after a discontinuance of the internet service ; however, XXXX continually sent me an incorrect balance, a larger-billed amount of {$56.00}. XXXX then decided to send my closed account to a collection agency named Diversified Consultants , Inc., who now reported the wrong amount and info on my credit files with all three major reporting agencies that negatively affecting my FICO scores unfairly. 
I have requested that XXXX & Diversified Consultants do promptly research and correct the balance as previously agreed, as I 'm more than ready to make a payment to XXXX or Diversified Consultants for {$46.00} as previously agreed. Subsequently, I request for written assurance that collection remarks which wrongly affect my credit score with all reporting agencies to be promptly removed. 

Thank you for cooperation from all involved parties

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have written to Seterus on two occasions pointing out they are reporting a 30 day late in the Payment Status when the account shows closed with a XXXX balance. This is impossible ... .must be a key punch error. You can't be late when the account is closed with a XXXX balance. See attached excerpt from the credit report and the most recent letter dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX  did give the proper document for the account that I dispute and just said that it was mine without verify any information on the account that I am disputing they have past thirty day and that is volition of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: JPMORGAN CHASE & CO.
State: MN
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:
JPMorgan Chase Bank and XXXX/XXXX XXXX XXXX XXXX credit reporting dispute : This discrepancy on my credit report was disputed with XXXX. The outcome has resulted in insufficient change to the report. The information that disputed and is indeed false was incorrectly verified as correct by JPMorgan Chase to XXXX. This notice is attached ( A ). 
This Account, XXXX, is correctly identified on the credit report as opening XX/XX/XXXX. The first payment was made on time on XX/XX/XXXX as evidenced by my bank statement from that time ( Attachment B ). Ive included the second bank statement showing the on time payment ( Attachment C ). I can provide evidence of every single payment being made on time, however it seemed excessive. Especially since JPMorgan Chase is WELL aware that every payment was made on time. 
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. This loan was not included in the bankruptcy. I signed and submitted a reaffirmation letter JPMorgan Chase, however they did not sign and return it in time for it to be filed with the bankruptcy. 
The month I filed is the month that JPMorgan Chase is reporting as the date of 1st Delinquency. Indeed this is not the case as I have provided proof of payment from XXXX XXXX for that month as well as every single month on time from XXXX ( Attachment D ) when the account was sold to XXXX XXXX XXXX  XXXX. Attached is the email from Chase notifying me of the change effective XX/XX/XXXX ( Attachment E ) XXXX XXXX XXXX , XXXX as serviced by XXXX XXXX XXXX XXXX sent notice on XX/XX/XXXX of new account XXXX. Statements showing this change and on time payments since that time are attached ( Attachment F )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I applied a for credit limit increase two weeks ago for my capital one venture credit card and I was denied a credit limit increase because my monthly payments are too low. I never made late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: The Bureaus, 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: Old information reappears or never goes away

Complaint:
Today, XX/XX/XXXX I received an email from XXXX XXXX that a collection account had been placed on my XXXX Credit file. The company name is The Bureaus. I disputed this account because I did n't have a contract with this company and I never did business with them. The collection account was removed from my file and now XXXX has allowed them to place this account back onto my file without by law notifying me within 5 days. This account needs to be removed and this company needs to be sanction for improperly places accounts onto consumers files. Please investigate XXXX and make them aware of these are unlawful practices.

Company response to consumer: Closed with explanation