BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-08
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
There was an unauthorized credit pull from American Express that in turn cause me to obtain a hard inquiry on my credit report. This hard inquiry reduced my credit score. I was not aware nor authorized this inquiry on XXXX XXXX, 2017. I will like this to be removed from my credit report because it is fraudulent and I am a victim of identity theft. Along with American Express, XXXX and XXXX XXXX was pulled fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
Chase Auto is reporting lates on XX/XX/XXXX, XX/XX/XXXX. Due to XXXX, I have been going through some hardships, the majority financial. I have always been a punctual person and diligent about paying my due debt. However, in XXXX, I was really struggling. I tried to set up skip a payment with Chase and spoke to someone about it to see if we could skip a couple of payment. I was told that was not going to be an issue, however, recently checking my credit I noticed maybe the rep never set that up. This has seriously affected my credit, and this was not my error. I ask that Chase auto please remove the late notations from my credit file as a good will and for the mistake made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo services my mortgage. They purchased the loan from Bank of the Internet, the mortgage lender who originally made the loan. 
I had no choice in where my loan was sold. 

I asked Wells Fargo on XX/XX/XXXX to remove escrows from my account. 
I have the financial means to pay any insurance premium and real estate tax myself. 
I do not want Wells Fargo to earn interest on my money when I could be earning interest. 

The original loan to value was 80 %. The current loan to value is 70 %. 

Wells Fargo has refused to remove escrows from my mortgage payment. 

They claim I was " late '' on a payment and I had to wait 12 months before they would remove escrows. 

The late payment was in XX/XX/XXXX, almost two years ago, and this was simply due to a clerical error. 

This is inexcusable and Wells Fargo is extorting me, so they can continue to earn interest on escrow accounts. 

Can you please help me and tell Wells Fargo to remove escrows from my account? 

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 2020-12-08
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:
I've been sending the requested information to the credit bureaus regarding my identity theft case but i'm not getting any help.

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 2021-03-26
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MACY 'S / DSNB is stating on my credit report that I owe them {$3000.00}. This debit is part of a Federal Debt Relief Program and my account is in good standing. I am enclosing the statement on my Credit Report and a Letter in Good Standing. The total amount due is under {$300.00} and the derogatory statement should come off my credit report and the balance should reflect the actual amount due.

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 2021-01-25
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/2020 My payment was applied to the wrong loan. The agent who follow a month after was aggressive and tried to force me to make a payment when the agent I spoke too make payment mess up. This second time this has happen to me. The first time was last year and they would say they put a recommendation for my account to be update. But the follow week I would receive calls saying my account was past due and do the process of explaining that a agent applied my payment wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I believe that Navient did not disclose full information regarding my student loan repayment options. I did not have enough money to make full payments on my student loans immediately after graduation ( XX/XX/XXXX ), I had called their help center and asked for options. I was only given the option of deferment. As a result, my monthly payments raised to {$360.00} by the time my deferment was over.
In XX/XX/XXXX, I called Navients help center again asking for a reduced monthly payment plan due to financial hardship. I was told that my only option was to sign up for a payment plan that would initially start me at payments of {$200.00} per month and after two years, would increase my payments to more than {$500.00} per month. I did n't like the sound of this plan and asked if there were any options to pay a lower amount over a longer period of time but was told that this was not an option. I accepted the revised plan but only made the minimal payments for two months during my difficulties. I have been making full payments since then which are extremely high considering the size of my loan.
Recent news articles about complaints over Navients repayment plans ( especially reports saying that I should have been offered other payment options ) have led me to believe that I have been illegally denied repayment options for my student loans. Please let me know if you think this is the case and if any legal action should be taken on my part.
I have attached my full payment history for this loan. Please let me know of any other documents you might need from me to help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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:
I submitted a dispute to XXXX, XXXX, and TransUnion on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report.

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium.

After contacting each bureau I was instructed to contact CFPB and file my complaint.

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.

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 2019-08-14
Company: E-Backgroundchecks.com, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Hello,I called an employer and was told they use XXXX. I called XXXX  and had them walk me through on how to open an account. I noticed that they were a company that did verifications of employment in bulks. I advised the lady on the phone that I only needed one and she recommended their sister company Backgroundchecks.com BIG MISTAKE. I called Backgroundchecks.com and had them walk me through on how to create an account just like XXXX. Lady was really nice, walked me through and I noticed it cost a fee to create the account. I checked with my manager and she advised it would be okay so I proceeded. I ordered the VOE on XX/XX/XXXX. On XX/XX/XXXX, I sent the the borrowers authorization due to uploading the correct one, and it wanted me to create a whole new order rather than editing the one I had, so i reached out to XXXX and provided the corrected borrowers auth and advised I uploaded the wrong one. on XX/XX/XXXX I called BGC to confirm they received the borrowers auth I sent and the lady I spoke to advised they hadn't and to resend. On XX/XX/XXXX- I again sent the borrowers auth to a different email address that was provided to me (XXXX) XX/XX/XXXX- I receive an email asking for the borrowers authorization AGAIN. AGAIN I send it and call to confirm they received, I spoke to a woman who advised they did receive it and that they were going to pass it along to the verify-er On XX/XX/XXXX- I was advised that they sent it to the verify-er. XX/XX/XXXX- I fianlly called XXXX XXXX (the employment I was trying to verfy) and BEGGED them to put me on the phone with someone who could complete the verification of employment for me and that I ad been put through the ringer with BGC and that it had been a couple weeks and I needed this ASAP. They ended up completing it for me. TODAY my manager comes to me with two invoices from BGC, so I went to go to their website to see why we were charged TWO ADDITIONAL MORE TIMES and I was locked out of my account: "Either your current password has expired, or you have been assigned a temporary password. Please change your password to proceed." SO I called BGC and advised that I was locked out and that they had charged me twice and I wanted a refund, they advised that BGC do not provide refunds. Funny, they are quick to take your money and NOT TELL YOU, but cannot provide a refund. If you look at all the complaints, I do not understand how they are still in business but that is beside the point. This company needs to get shut down and stop scamming people for thir hard earned money. So now we were charged $XXXX for a VOE that was never completed or given to me and that I had to manually obtain myself.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
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 a credit card showing on my Experian credit report ( XXXX XXXX already removed it ) stating I have a delinquent account for XXXX Credit Card. I have NEVER received a card from this company, I never activated or made a purchase for with a card from this company. I have asked for proof of any activation or charges and received nothing. They are reporting a {$300.00} charge off/delinquency for an account I never had! I asked Experian to investigate and remove and they did nothing but state it was accurate. All other credit bureaus have removed and a review of my credit report would show ALL my credit card payments are made timely and this is obviously a mistake that is causing me a HUGE problem on my credit and preventing me from getting a mortgage.

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 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I recently pulled my credit report and discovered a number of inaccurate items. Over 60 days later I haven't heard anything back from each bureau. I feel like Im being taking advantage of. These items are causing me a great deal of grief because they are harming my score. During this difficult time for my family I don't need anything hindering me financially. I also made the bureaus aware I was affected by the XX/XX/XXXX data breach which Im just now finding out about and Im afraid my information has got into the wrong hands.

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 2019-08-14
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:
WHY IS THE CHAPTER XXXX. BANKRUPTCY STILL REPORTING ON ALL THREE CREDIT BUREAUS? THERE IS NO BALANCE ALTHOUGH THEY'VE ALREADY BEEN DISMISSED AND HAVE BEEN OPEN SINCE XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX PLEASE PROVIDE ME WITH ACCURATE, VERIFIABLE AND COMPLETE INFORMATION AS TO WY THESE ACCOUNTS ARE TILL REFLECTING NEGATIVELY ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
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 GIVE ME A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT???!! 

XXXX XXXX XXXX  : THERE ARE A TOTAL OF 3 ACCOUNTS REPORTING UNDER COLLECTIONS AND IT IS REALLY AFFECTING ME. THE BALANCES ARE OF : {$0.00}, {$350.00} & {$1100.00}.

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 explanation
Consumer complaint received 2019-08-14
Company: EQUIFAX, 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:
WHY IS THE CHAPTER XXXX. BANKRUPTCY STILL REPORTING ON ALL THREE CREDIT BUREAUS? THERE IS NO BALANCE ALTHOUGH THEY'VE ALREADY BEEN DISMISSED AND HAVE BEEN OPEN SINCE XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX PLEASE PROVIDE ME WITH ACCURATE, VERIFIABLE AND COMPLETE INFORMATION AS TO WY THESE ACCOUNTS ARE TILL REFLECTING NEGATIVELY ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I NEED THIS ACCOUNT TO BE REMOVED AS SOON AS POSSIBLE DUE TO THE FACT THAT IT IS REALLY IRRITATING MY CREDIT 'S HEALTH AS WELL AS I NEED TO MAKE A BIG PURCHASE SOON. THIS ACCOUNT WAS OPENED IN 2006 IT IS A XXXX/XXXX XXXX NEGATIVE 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 2021-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions 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 status incorrect

Complaint:
On XX/XX/2020 I received a credit alert today. I decided to check my credit report. I noticed that XXXX XXXX XXXX has reported an account XXXX as charged off on XXXX XXXX, XXXX, and Experian. I have disputed this with XXXX XXXX XXXX and they advised that I have to dispute with the credit bureau. They have agreed that this is not a charged off account but an open checking account and should not be on my credit report.I have disputed this with XXXX XXXX, Experian, and Experian. This account is affecting my credit score and resulting in credit issues.

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 2019-08-14
Company: EQUIFAX, 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:
I NEED THIS ACCOUNT TO BE REMOVED AS SOON AS POSSIBLE DUE TO THE FACT THAT IT IS REALLY IRRITATING MY CREDIT 'S HEALTH AS WELL AS I NEED TO MAKE A BIG PURCHASE SOON. THIS ACCOUNT WAS OPENED IN 2006 IT IS A XXXX/XXXX XXXX NEGATIVE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Funding has been calling me dozens of times a day. They use spoofed phone numbers, with area codes from all over the country, so that it is impossible to block their calls. 

They've also obtained a private XXXX XXXX phone number of mine that they were not given permission to use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It was not until late XX/XX/XXXX we learned that our bill we has received from XXXX XXXX for XX/XX/XXXX should be sent to Loancare. However our payment sent EXACTLY 1 month later ( XX/XX/XXXX ) Loancare got. At Loancare 's request we went to XXXX bank and got them a statement with XXXX 's name on it telling them that XXXX XXXX had received it. For the last 10 months we have gotten them what ever they asked for and tried to settle it with them. We even went as far to try to talk to their CFO or CEO and to call XXXX XXXX and they automatically sent us back to Loancare.

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 2023-03-31
Company: EQUIFAX, INC.
State: NY
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:
Previously I had an issue with unauthorized activity to my XXXX account and during the dispute, the loan was charged off and added to my credit report. The charged off loan was settled and paid on XX/XX/ but it does not reflect accurately on my report and still shows as not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: BARCLAYS BANK DELAWARE
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 rewards from credit card

Complaint:
I have contacted Barclays Aviator Business numerous times and to date I keep being told that the miles will reflect on next billing statement. I am now approaching my fourth billing statement and no rewards yet. I email customer service via the website ( account portal ) and its a complete waist of time they are not helpful or resourceful. I call customer service and they only tell me " next statement '' and giving me the run around. I have met all the requirements needed to earn the XXXX bonus XXXX miles and in addition opened an employee account for an additional XXXX miles and also met the requirements. Barclays Aviator Business owes me XXXX miles. I just can't understand why they take so long to post or process these miles per the terms and conditions.

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2022-08-11
Company: Synovus Bank
State: NY
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:
XX/XX/2021 An unlawful inquiry was put on my report without my knowledge.

Company response to consumer: Closed with explanation