BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
Company: ENCORE CAPITAL GROUP INC.
State: MN
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, INC.
State: MN
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 found an account on my Equifax credit report that doesnt have an account number or creditor name. I called and asked for information and they refused to provide me with details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mrtg company sent letter stating I had a lapse in coverage for XX/XX/20 to XX/XX/20.

I had previous sent them letters from my insurance company showing no  lapse in coverge then they billed me for force placed insurance, they told me they got the letter but charged me anyway.

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 2021-02-12
Company: EQUIFAX, INC.
State: AR
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 checked my credit report, I discover violations and inaccurate reporting. The dispute with XXXX reporting the fraudulent account, XXXX XXXX XXXX as deleted / remove from credit report after several dispute filings, which began XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX the status of the '' XXXX XXXX XXXX '', removed/ deleted account was placed back on my credit report after it had been deleted. It showing a status " remain '' on my credit report inaccuracy. 
XXXX and Equifax both credit reports in accuracy information for XXXX XXXX XXXX, with account status, last payment date and payment status Equifax report XXXX XXXX XXXX as a closed account status. XXXX report XXXX XXXX XXXX as a derogatory account status. Delete all information pertaining to XXXX XXXX XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: AMERICAN EXPRESS COMPANY
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I have been reporting this fraud activity yet it is still in my credit report. I did not the make any transactions with them. Date Opened was XX/XX/2020 with an amount of {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
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}, {$530.00}, {$410.00}, {$630.00}. 
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 XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$530.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$410.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -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 2019-05-22
Company: JPMORGAN CHASE & CO.
State: GA
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:
We had a trip scheduled for my daughter who was graduating to go to XXXX and XXXX. She unexpectedly had to have XXXX and was admitted to XXXXXXXX XXXX XXXX for the XXXX and released the following night with a statement indicating that she could not return to school for a week, couldn't perform any XXXX XXXX for 2 weeks and then was under travel restrictions for 3 weeks. 

Our airline and hotel providers all used the documentation to promptly credit us for the trip cancellation. We have been going round and round with the Card Benefit Services organization XXXX XXXX XXXX XXXX, VA XXXX XXXX since opening the claim on XX/XX/2019. All we have filed is for {$350.00} for 3 one-way train tickets from XXXX to XXXX that we could not get waived. They are sharing they need the actual prognosis of exactly what was wrong with my daughter which feels like an invasion of personal medical records and that know that she was hospitalized and put on restrictions for weeks across the actual day we were to travel is not enough. 

I am asserting this is a deceptive and misleading practice where a benefit is being advertised as part of our Chase Visa Sapphire Reserve card that is never really meant to be used as the service provider Card Benefit Services makes it so burdensome to use that it forces customers to give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
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 never been 30 or more days late on my XXXX  XXXX account for my car loan .. XXXX  XXXX is affecting my credit with these false /erroneous late payments.. This is a violation of my rights.. Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due.

Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified.

Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: McCarthy, Burgess & Wolff, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Please know that the complaint with MCCARTHY, BURGESS & WOLFF , INC. complaint XXXX has not been not resolved. They have not cancelled my account and the phone calls continue. MB & W have contacted me twice since the case was closed on XX/XX/XXXX. 

On XX/XX/XXXX, MB & W called me at home and left a message to contact them. 

On XX/XX/, @ XXXX I received a call from XXXX XXXX XXXX XXXX XXXX XXXX from McCarthy , Burgess & Wolf , harassing me and stating that XXXX  XXXX XXXX has declined both payments for {$30.00} and {$110.00} which is not true. She said that MB & W must now focus on the whole amount for {$690.00} and is requesting full payment. I tried to explain to her that per my claim with FTC Consumer Financial Bureau the account with MB & W was cancelled. But she rudely and abrutely stated that she " will make a note on the account of my refusal to pay and then she abruptly hung-up the phone. 

Afterwhich, I once again contacted XXXX and spoke with Representative XXXX from Pennsylvania who stated that no attempts were made under my account for either amount. She said that if the information that the company put in is incorrect such as the routing number or the payment amount is different then the payment will be declined. 

Therefore, I humble request that you please look into this issue again? Thank you in advance for your attention to this matter.

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 2020-06-24
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bank of America XXXX Platinum Plus Mastercard. I have an auto-payment for the statement balance set up to come out on the due date. BoA only makes the minimum payment, thus surreptitiously ensuring my card has a balance, which they can then charge fees and interest on. For example, on XX/XX/XXXX the auto payment made a {$30.00} payment ( the minimum amount ) instead of the statement balance of {$1200.00}.

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 2018-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX CREDIT cards and XXXX  XXXX CAR LOAN Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX and they were aware. 


Account XXXX : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I was on chat and the representative agreed to delete my late payments per me being laid off during the times and my husband death. 

Car Loan : ACCOUNT NUMBER XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX Can you please contact all 3 credit bureaus to have this removed and a new report sent to me. 

Also on all three credit bureaus XXXX and XXXX reported me late on XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX but my loans were in deferment and forbearance they lost paperwork and per them failing to update previous info., they are in violation of Section 623 ( a ) 2 ) of the FCRA XXXX I have contacted them on 4 seperate occasions. I would like those late deleted. 

Also, I would like the original signed copy of every loan that is on my report if this can not be provided, remove all of all credit reports. 

Thus I am filing this with every credit bureau and need you assistance because the credit bureaus have ignored my request on 4 occasions and have failed to supply requested documents or verify within the 30 days time frame. 



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 2019-08-23
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Suv got repo told them to sell and let me know and also was starting 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 2021-08-23
Company: Experian Information Solutions 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 never been 30 or more days late on my XXXX  XXXX account for my car loan .. XXXX  XXXX is affecting my credit with these false /erroneous late payments.. This is a violation of my rights.. Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due.

Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified.

Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of

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 2019-08-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Viewed credit file through Equifax in reference to XXXX XXXX XXXX XXXX account showing charged off in the amount of {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I transferred my account from Robinhood to XXXX 13 days ago. There TOS states it will be completed in 5-7 trading days. They deactivated my account without my consent and are holding {$1600.00} that they refuse to transfer to my bank or XXXX. They have no phone number and i have emailed them multiple times daily but never receive a response besides an automated we'll get back to you in 1-3 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Adelante, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a validation letter with this collection agency via certified mail asking for a sufficient proof that in fact this debt for {$240.00} is mine. They received the letter on XX/XX/21. Until now they have not put a dispute comment in my credit report even if I have already sent them couple of letter about furnishing a dispute comment in my credit report. I did some research online and it is clearly a violation, also in addition to that they never responded to my letter and keep ignoring me. There is also no original creditor written in the credit report it is incomplete. Please help me with 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 2020-10-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for loan application at Wells Fargo on XX/XX/2020. Application requires credit card to pay for future fees of credit reports and appraisal. New home construction to be completed late XX/XX/2020. 

Appraisal completed XX/XX/2020 and we were assessed {$550.00} fee. Home was incomplete, no drywall, flooring, appliances, electrical, etc. and application expired on XX/XX/2020. We were going to have to reapply after XX/XX/XXXX, so I could not understand why the appraisal had been performed. 

I emailed Wells Fargo on XX/XX/2020 to inform them of the issue I had with the timing/value of the appraisal. I subsequently demanded a refund and have attempted a couple of times for reply but have been ignored. 

I then terminated the application around mid 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 monetary relief
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was charged {$21.00} per month since XX/XX/19 for services I never authorized via Experian. I do not have an account with them. It is not a credit card that I use and I pay the bill automatically so I haven't looked at the bill. 
I can not contact them to dispute. I have attempted both online and via the phone. I canceled the credit card.

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 2020-06-24
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: Account information incorrect

Complaint:
Trans union reported that my XXXX account is at the limit but this account has been paid down to {$580.00} is my Current balance and {$1400.00} is Available credit

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 2021-08-23
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/21 SYNCB/TJX Co. .has placed a false inquiry on my credit report ( 2 of 3 bureaus ) that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response.

They are violating my rights and harming me

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 2021-02-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Folks, I have owed my condo here in XXXX, WA XXXX for 15 years now. 

During this time, my mortgage has changed at lease 6 time a i am now " trapped '' with 'Select Portfolio Servicing '' who in i pay my monthly and very high interest rate to for XXXX XXXX the holder of my mortgage. 

I have tried in vain to refinance with XXXX ( Minnesota ) and it goes nowhere with them.

I would very much like to be with XXXX ( my bank ) as with my customer of 16 years in XXXX, WA. 

Find me " Trapped in my mortgage '' Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXXXXXX XXXX

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