BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-24
Company: Experian Information Solutions Inc.
State: NC
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 was looking over my credit report and realize that I have a lot of enquiries that did not belong to me. I sent the letters on XX/XX/2018 to XXXX and Experian to please investigate in this I also send out mail to the creditors as well but have not gotten a response from any of them it's over XXXX inquiries and different dates that doesn't belong to me, I also put a freeze on all my bureaus because someone is running my credit or using and I'm looking into getting a report or something done to figure this all out. 
I feel that that this very wrongfully that they're doing this to me as under Section 609 and section 623 I do have the right to dispute anything that's inaccurate under FCRA, I am trying to get on the right path with my credit far as purchasing a home soon I really need this to be taken care of please help XXXX  Experian has given me a hard time and I'll show them all proof as I can with all my identity I sent out letters within a couple of days they said they would not.

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 2020-11-23
Company: Experian Information Solutions Inc.
State: MI
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 disputed the balance owed on a {$5000.00} student loan that I paid off in XX/XX/2020. I despite the amount owed on my credit report with all three credit bureaus and they all have not removed the debt from my score in which no changes where made. They initially two of the bureaus temporarily took it of my credit score that dropped my score by 4 points with giving me points credits for paying down my student loan balance. When I reported them to the XXXX they put it back on my credit report again not properly resolving, reporting, or giving me point credits for paying of my debt!!! I think the credit reporting agencies are purposely degraded my credit score by withholding payment information or miscalculating or reporting information!!!

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 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Yes, I am a victim of a mistake by Missouri Child Support Enforcement. They made a mistake on my case by explaining how their arrears dates work. I was under the clear impression that I was only one month behind on Child Support because I made my payment on XX/XX/2018. However, it was never explained to me that if the payment does not get into their system by the first of the month, it automatically goes into arrears!

It takes my XXXX XXXX autopay about 4-5 days to go through their system. They went ahead rudely and illegally submitted my case to collections which hit my credit report- lowering it and causing a huge problem now with getting the collection off. I immediately called them and put thebalance on my credit card and paid them up in full but now I have a mistake on my credit report! I need help with this.

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 2017-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
This website tells it all. We were under the 90 day to vacate agreement with Bank of America, we did not take cash for keys. XXXX week before we were to vacate, we were viciously attacked in our home by the new owner 's adult son. I need justice and I am not getting it! Please help me, I 'm a widow under great attack. 
Thank you! 
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 2020-07-07
Company: CIT BANK, NATIONAL ASSOCIATION
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I paid off my mortgage balance in full via a refinance with another lender. As of XX/XX/2020 I have not received the refund of my {$5100.00} escrow balance. I have spoken with customer service at CIT several times since then. They first ignored my email sent via the XXXX portal. When I called on XX/XX/2020 I was told the check was sent to the wrong address ( same street, wrong house number ). I do not know where they got the incorrect address. The person I spoke ( XXXX ) with told me to call back the following week to confirm the check was sent. I called again on XX/XX/2020 and spoke with XXXX. He said that the check was issued on XX/XX/XXXX, and that I should receive it in 7-10 days. I still have not received this check. It has been 85 days since I closed this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
A balance of XXXX is reported as medical debt. I can not find the any information about what company initiated this report? There is no information for which I can verify or deny the reported 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 2017-12-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I would like to know why am I being charged an annual fee for a credit card who just informed me via e-mail they are closing my account on XXXX XXXX, 2018 because they have merged with another company. I am being charged $XXXX for whole year on a card that will only be active for 4 days starting the new year. Someone from the company, please explain this to me because none of XXXX XXXX's reps knew what they were talking about.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-24
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/2015, I submitted paperwork for the XXXX   Loan Forgiveness ( for the amount of {$17000.00} ) program to Navient. I received an email from Navient that they received my paperwork. Nothing happened after this. There was no follow up from them and my loans were not placed into forbearance. I had tried to call Navient but was constantly put on hold. Until recently, I did not know what to do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am vert disappointed. I will file a complain and submit an FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Nationwide Title Clearing, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Because the fact I found there are some Robo-Signatures affecting the title of my property located at XXXX XXXX XXXX XXXX CA XXXX original caused by this company NATIONWIDE TITLE CLEARING INC. This company has been investigated in the past for the same I experience by 2 State Attorney generals. 
The end result has been I'm experience a Property theft without no Local, or State Agency willing to take my inquire complaint against this company. 
I asked them in a friendly manner to remove those fraudulent documents recorded in the County records they ignored and rejected my request, I File an inquire with the CA State Attorney Office ( attached ) as well ( I'm attaching the 2 consent orders from Illinois State AG and Florida State AG as precedent ). They didn't want to investigate this issue I reported as a California Customer Consumer. 
I'm trying to expose here I been a victim of White Collar Crime. I want someone assist me in order to protect my property. 
I understand because the Fact existed Robo signatures performed by NATIOWIDE TITLE CLEARING INC 's Employees all the following documents recorded are void plain and simple. 
As I stated against the Companies who performed the theft in my property with Null/Void documents even lying to the CFPB in each complaint I opened in the past against them. I would like to a very least to launch a investigation against NATIONWIDE TITLE CLEARING INC FOR RECORDING False/Void Documents affecting the title of my property which its been stolen as we speak.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received a bill for the annual fee for a credit card on XX/XX/2019 from Barclay Bank for an XXXX XXXX XXXX Mastercard. I have not used this in a year or so. I called the Service line for Barclays Bank 's on XX/XX/2019 found on the back of the bill. I spoke to an " off-shore '' service individual about closing the account. After providing my name, date of birth, l

ast four digits of my social the service center could not find my account in their database. I was put on hold for more than 20 minutes. I called back and went through the same process and then asked to speak to a supervisor. No one could find my account although the card company sent me at least two bills at my current address. I had destroyed the card after the previous bill so could only provide the last four digits from the current bill. After 30 minutes on hold I gave up. I wrote a letter to cancel the account and mailed i
t with a copy of the bill to the bank. I am disturbed that a credit card company can send me a bill, but is incapable of cancelling my account. I have spent hours dealing with this without resolution.

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 2019-11-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2019 Charge for {$250.00} XXXX XXXX - USAA - CASE XXXX XX/XX/2019 Charge for {$110.00} XXXX XXXX - USAA - CASE XXXX These charges were never authorized by me and I never received any money. I contacted XXXX XXXX but they have no phone system and attempted to message them with their in app support system. It usually takes many days for a response. I never heard back from XXXX XXXX so I called USAA and started a dispute. It was very easy and got temporary credits in my account. I believe I had the credits around XX/XX/XXXX. 

Then on XX/XX/2019 USAA sent me 2 plain emails with pdf attachments. It does not say in the email that any information is required or my immediate response is requested. But hidden away in the pdf files is a request for more information. Because I don't check every email I receive from USAA because usually they are junk mail, I never opened the pdf, and then USAA DENIED my dispute. They never called me or sent another email. They never sent me a letter or anything they just denied it and took my money. 

After a few phone calls speaking to a supervisor I was able to resubmit the information. On XX/XX/2019 my one dispute is finally reopened XX/XX/2019 Charge for {$110.00} XXXX XXXX - USAA - CASE XXXX. 

XX/XX/2019 Charge for {$250.00} XXXX XXXX - USAA - CASE XXXX DISPUTE # 2 for {$250.00} has not been reopened since I uploaded information about the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: GA
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:
Hi so have sent in a letter on XX/XX/2023 asking them to remove this account under 15 U.S Code 1681e ( b ) and 15 U.S Code 168i ( 5 ) this account in violation not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Stewart, Zlimen & Jungers, Attorneys, Ltd.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Stewart, Zlimen and Jungers LTD have engaged in harassing tactics for going on two years now. They never informed me of my ability to dispute a debt, they sent fake ( ie look like XXXX County Court documents ) to coerce me to pay a debt I dispute, they claim I owe more then the amount and the amount granted by the court, they continually contacted me despite my now three times telling them to CEASE and DESIST and I complied with a court order by XXXX XXXX ( XXXX ) to verify that I the judgement they got against me, with out having me served to the correct address, were not collectable due to my only income being XXXX or other protected assets. 

Despite my third informing them to cease and desist and my filing a past CFPB complaint over the issue and they saying they will not contact me ; I received a letter dated XXXX18 trying to garnish a bank account they have already been informed of as only having XXXX as my income. 

This is a pure attempt at harassment and they are trying to cause fear and distress in making me think they have a court order to seize money they know is already exempt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: EQUIFAX, INC.
State: DE
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:
This issue has been going on for months stating that my account is open whi8was included in a bankruptcy not a chargoff account. They said that it was correct my attorney has pr6proof to them and was told that they would fix the issue and they have not. I asked them to remove it and they declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Filed a dispute through Equifax for XXXX XXXX. It states paid and closed which makes it look like a positive account in order to remain for 10 years or more. When you look at the account/payment history it clearly states repossession which makes this a negative account, therefore it should have been removed at the 7 year mark. All other credit bureaus have already removed the item, but Equifax seems to be going by a different set of rules. Most recent dispute was XX/XX/XXXX and I received results on XX/XX/XXXX stating it is accurate and no changes were made. Last payment was made XX/XX/XXXX, item should have been removed XX/XX/XXXX. I was advised by an Equifax employee that it will stay even longer because I filed a dispute in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery bought a debt that I owed to another company. I don't owe them any money. I've never had an account with them. I've never done business with them. I've never talked to them, and yet they keep putting a collection on my credit report. They bought a debt, I didn't borrow anything from them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have called over 10 years, They removed it and now it is back on. 
They are so rued to talk to. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2021-02-23
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: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 


Trans Union has yet to ADJUST MY REPORT AND XXXX. i HAVE MAILED THEM AND REPORTED TO THE CFPB

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 2023-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE ALERTED CRA THAT I HAVE REQUESTED VALIDATION FROM COLLECTION AGENCY AND THIS DOES NOT BELONG TO ME. ID WAS LOST AND THIS IS ID THEFT. THEY HAVE NOT VALIDATED 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 2021-04-28
Company: Amsher Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by AMSHER COLLECTION SERV concerning a " debt '' that I owe. I informed them that I had no idea of what they were talking about. They refused to send any additional information concerning who this supposedly was from, what it was for, when it supposedly occurred, who to even contact. Not I have a collection of {$260.00} on my credit reports and I have no way to get it off because this dishonest company is trying to extort money for debts not owed to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On approximately XX/XX/2018, I received a pre-approval letter for a XXXX credit card from chase. I filled out the information online. I entered an invitation code included on this letter. I submitted the application and was told that chase needed to get more information on my application. Today, XX/XX/2018, I received a letter from chase informing me that my application was declined for the following reasons : Your credit report reflects charge-offs or bad debt. 
Credit report shows delinquency or public record. 
Charge of history on one or more credit cards Average age of account is too short. 

1. No charge-offs are present on any of my credit files. 
2. No delinquencies or public records are present on my credit files. 
3. Again, no charge-offs are present on my credit files. 
4. My credit reports all show a 12 year credit history. How exactly is that too short? 

I have had a checking account with chase in good standing for the past two years. Each month without fail, chase removes {$12.00} from my account, yet provides me no service. It is hard to deal with a bank which refuses to assist me in any way.

Company response to consumer: Closed with monetary relief