BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-02
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: Account status incorrect

Complaint:
I have disputed several accounts through all three credit reporting agencies but they keep saying everything is correct when it is not. There are several items on my reports that do not belong there. All items are in the negative data. I do not have any open collections accounts. I also see these items are reporting as late each month when they should not be. The original accounts were were different creditors. These accounts were then bought out by debt collectors. The information being reported on my credit reports are inaccurate and false. One account is a duplicate. One account was paid in full and never went to collections. 3 accounts are all due to my cards being stolen from me while I was involved in a domestic abuse case and they were used without my knowledge or consent. These items are all still reporting as late each month and open which is in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/18 I received a bill from IC System for XXXX XXXX. I sent a letter of validation on XX/XX/18 and to date, they have not responded, which is over XXXX days. This company has also listed this amount owed with my wireless carrier. Until this is removed, I am not able to make any kind of payment arrangements, upgrades or obtain them for internet.

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 2019-10-02
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: Information belongs to someone else

Complaint:
Recently I got engaged. My fianc and I are looking to purchase a home. As I reviewed my credit Reports, I noticed a number of Inquiries, accounts, and collections that do not belong to me. Please remove these from my report as they are affecting my fianc and I from Purchasing our dream home. 

XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX - XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX - XXXX   XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  ; XXXX XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo has reversed payments I made to my mortgage and erased the electronic history displaying these payments and the reversals they made, after I raised the issue. 

They took six months to give me a response but did not respond to any of my calls or messages during the six months they say they needed to respond to the complaint.

Now they say I have four months due, which is exactly the amount they are saying is unpaid, that they reversed. 

If you can not help. Please advise of someone who can. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had my credit frozen with the three credit reporting agencies a couple of years back. Now I have to refinance my auto loan so I call the credit freeze departments of transunion and XXXX, supplied the necessary security info and temporarily unfroze my credit. When I call Experian and started giving them the same info I have given the other two credit agencies Experian started gving me problems on ( XX/XX/19 ) Than the cust rep told me togo on lline and input my personal info, I did, and Experian refuses to give me my pin so that I can temporarily unlock my credit report. Their web page is nopw telling me that I have to send them a copy of my social security card and other pertinent info. All of this unecesary process its going to take about a month. Process that if Experian would have develop anefficient system like XXXX and XXXX this would not be happening.I need to refinance my loan ASAP and Experian is negligently and incompetently not letting me do. After Experian problem on the internet I tried to call customer service and they are not picking up the phone.

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 2017-11-20
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received call on XXXX XXXX, 2017 at XXXX XXXX from XXXX This is a very important message for XXXX XXXX XXXX please make it a priority to return my call as soon as possible so that I may review you some important time sensitive information with you. You can reach me at my toll free number which is XXXX my direct extension is XXXX that 's XXXX at XXXX my direct extension is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Credit Collection Partners, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CCP called today looking for my XXXX y o son, they want his phone number, it is not my debt, i have told them this, they keep calling, have told them before not to call me, i told them they can find his number the same as they found mine they ph no. is XXXX, i have also told them to quit harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Just received notice ( attached ) that Chase is changing the interest rate terms on my card I have had since 2015. Changing from 7.99 % to 12.99 % APR ; a 62.5 % increase. I called Chase and they said this was happening to better align my terms with what is currently offered. I responded, if I wanted terms currently offered I would apply for a new card. 

My choice is to close this to accept the new terms or close my account. Closing my account will negatively affect my credit ; as my credit history length will be reduced ( I have has this card for 12+ years, longer than the average account on my report. 

I was given no other option, Take it or leave it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Reliant Capital Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On the XX/XX/2019, I drafted and mailed a certified letter to Reliant capital Solutions , LLC, who had contacted me by mail to collect a debt. 

I disputed the debt and asked that : 1 ) they cease all communication with me other than to validate my debt by mail, and 2 ) that if they report this debt to credit bureaus, that it is marked as disputed. 

Thus far, they have not ceased their attempts to collect, and I have received three phone calls ( on XX/XX/2019, XX/XX/2019, XX/XX/2019 ) and an email on XX/XX/2019, all with the stated purpose of attempting to collect a debt. 

Futher, I have received absolutely no documentation which acknowledges receipt of my request or validation of the debt they are allege I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16
Company: TCF NATIONAL BANK
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: Information belongs to someone else

Complaint:
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any original contract documentations of any contractual relationship between name of company XXXX  XXXX  XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have not used my credit card in a year since i received it. Come to find XXXX XXXX closed my XXXX XXXX account without notifying me i am very responsible with my credit. Now i have a closed account on my credit report as this will hurt my credit score as i am trying to buy a home. This is very unfair to me as a consumer. I have the right to use my credit wisely and use it when i want and if i do not want to at all for a year.I contacted XXXX XXXX and they responded well mam you can reapply again and add another inquiry plus a closed account real good for my credit. I would like this deleted from my credit reports i am getting no where with them. they are ruinig my credit and i did nothing but take an account out in 2016.They should not be allowed to do this. Thank you

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 2019-05-21
Company: STATE FARM BANK, FSB
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of XXXX the XXXX XXXX 2007 which was financed with State Farm Bank, was involved in an auto accident in which the vehicle was totaled. A final payment in XXXX was required in which is was paid timely. the total of the loan was then paid off through insurance with XXXX XXXX XXXX XXXX as well as XXXX XXXX ( the other party at fault, company ). State Farm Bank is continuing to report that I was 30 days late on payments for XXXX and XXXX of XXXX. This is inaccurate as the vehicle was totaled out and loan was paid off in XXXX XXXX they are refusing to remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Recently I got engaged. My fianc and I are looking to purchase a home. As I reviewed my credit Reports, I noticed a number of Inquiries, accounts, and collections that do not belong to me. Please remove these from my report as they are affecting my fianc and I from Purchasing our dream home. 

XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX - XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX - XXXX   XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX ; XXXX XXXX  ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09
Company: Amsher Collection Services, Inc.
State: NE
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:
NOT ONLY HAVE MY HIPPA RIGHTS BEEN VIOLATED BY AMSHER COLLECTION AGENCY ADDRESS IS XXXX XXXX XXXX # XXXX, XXXX, AL XXXX AND PHONE IS XXXX BUT THEY ARE REPORTING ON AN ACCOUNT THAT WAS COVERED UNDER FINANCIAL ASSISTANCE BY THE INSTITUTE. I HAVE PROVIDED THEM WITH A COPY OF THE LETTER AND THE DEBT HAS STILL NOT BEEN REMOVED. ACCT NUMBER THEY ARE REPORTING ON IS XXXX FOR APPROX XXXX. AN EMAIL WAS SENT WITH THE DOCUMENTS TO XXXX AND I SPOKE WITH A REPRESENTATIVE ON THE PHONE.THEY HAVE THE ACCOUNT UNDER MY MAIDEN NAME I BELIEVE. XXXX XXXX NOW XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
A consumer service representative ( CSR ) provided misleading or incorrect information that caused my account to be overdrawing. The information provided by the CSR caused checked to be cashed that caused my account to be overdrawing. This act is and has the potential to effect my government security clearance and potential of losing my job.

USAA has not been helpful and there ( CSR ) caused the problem.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In XX/XX/XXXX I filed a Bankruptcy Chapter XXXX, this debt was included as part of the case. On XX/XX/XXXX XXXX filed a Notice of Assignment of Claim and Transferee Notice of Transfer of Payments. From XXXX XXXX XXXX/ XXXX/XXXX/XXXX XXXX XXXX   TO XXXX ( XXXX XXXX XXXX XXXX . A JOINT NOTICE OF TRANSFER OF CLAIM PURSUANT TO FRBP RULE 3001 ( e ) ( 2 ) AND WAIVER OF OPPORTUNITY TO OBJECT was also filed. On XX/XX/XXXX The ORDER OF DISCHARGE was granted to XXXX XXXX and XXXX XXXX. on XX/XX/XXXX and XX/XX/XXXX I started to receive letters demanding payment for this discharged debt. My husband has made a number of calls to them and had our Attorney who handle the BK call and sent them copies of the Assignment and Joint Transfer. We also sent them a copy to which they replied back on XX/XX/XXXX acknowledging that the loan has been paid off with a XXXX balance. Between XX/XX/XXXX and XX/XX/XXXX XXXX sent me a new monthly bill and reported a 30 day late to the credit reporting agencies dropping my score by 65 to 80 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately.

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 2017-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a complaint against Bank of America with the CFPB # XXXX. The problem I always have with this bank is that the employees try to strong arm you into dropping your dispute. They create so many obstacles most people would just give up. 

In this case, I filed a dispute against XXXX and I got into a very heated argument with a Bank of America employee @ XXXX XXXX. She reported to the consumer financial protection bureau that I no longer needed assistance from Bank of America for case # XXXX. Now, that statement is light years from the truth. 

I faxed all the documents to them that was requested of me and before the deadline. So why did this lady report false information to the CFPB? I hope Bank of America will go back and pull our phone conversation that accrued on Monday XXXX XXXX,2017.

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 2018-08-04
Company: Nationwide Recovery Systems, Ltd
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Nationwide recovery system XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX phone number XXXX Put a negative charge on my credit report report rthey said I owed XXXX XXXX XXXX XXXX the sum of {$1300.00} They have an open date of XX/XX/2018.They failed to notify me that they were doing this and didnt give me a chance to dispute this. This same charge was put on my credit report 3 years ago I disputed the charges and was found to be in my favor and was removed from all 3 credit bureaus. It appears that nation Wide Recovery System has purchased this from some other company and put it back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My original principal balance was {$58000.00} beginning XX/XX/2007 with a fixed interest rate of 7.5 %. I have filed a few forbearances over the years due to hardships ; but was not offered income based repayment plan options until this year. However, since XX/XX/2007, I have paid {$30000.00} in interest and {$6700.00} towards the principal. My account balance is currently {$73000.00}, which is {$15000.00} higher than my original principal. When you file for a forbearance due to hardship, instead of Navient just allowing the interest to accrue during that time period, they add the interest to the principal and then charge you interest on the interest added principal amount. The forbearance does not help but hurt borrowers. I have tried to negotiate the account balance because I have paid {$36000.00} on a {$58000.00} loan and now owe {$73000.00} which only causes the payments to go up and not down. I think this is truly an unfair practice and makes it extremely difficult to pay the loan. Navient did not offer any help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: EQUIFAX, INC.
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:
CRA is in violation of DODD FRANK ACT and several consumer protection laws, also federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 credit report XXXX score is super low ( XXXX ) and one card canceled me because of my low score even though I have ( NO MISSED PAYMENTS ). Turns out there are two problems with my Credit Reports. One I show owning XXXX on car loans when it should be closer to XXXX. Turns out both the payoff and the new car loan show up making it XXXX instead of XXXX. I have contacted XXXX XXXX and they lowered there amount owed and XXXX is looking into it. Next my XXXX XXXX XXXX  XXXX XXXX went from and XXXX to XXXX  yet on the credit report shows a maxed out card XXXX on Visa and XXXX on XXXX. I only owe XXXX and the card went from XXXX to XXXX and transferred the balance to the XXXX. IT IS NOT 2 SEPERATE CARDS! All of this is hearting my credit score and needs to be fixed immediately.

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