BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the Equifax credit bureau to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I APPLIED FOR A MORTGAGE AND THEY DENIED ME BECAUSE THEY SAID I MISSED A MORTGAGE PAYMENT WITH XXXX XXXX XXXX ... I HAD NOT. I CALLED XXXX AND THEY COULD NOT EXPLAIN WHY THEY THOUGHT I WAS LATE. I WILL ATTACHED MY RECORDS OF MY PAYMENTS WITH THIS COMPLAINT. I NO LONGER HAVE THE LOAN WITH XXXX  AS IT IS PAID OFF. THEY LISTED ME 30 DAYS LATE FOR XX/XX/2019. I WAS NOT PERHAPS THIS WAS WHEN THEY WERE TRANSFERING TO XXXX XXXX XXXX? WHICH THEY SHOULD NOT HAVE BEEN REPORTING NEGATIVE INFORMATION ANYWAY DURING THAT PERIOD

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 2021-03-25
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I started disputing some collections and inquiries that are reporting on my credit that are not valid. I have yet to receive any information about the bureaus investigating my dispute ; they have never even acknowledged it! On XX/XX/XXXX I sent another dispute to the bureaus ; STILL nothing has been received or even acknowledged that the investigation would be started, no responses have been received, no debts have been validated. You have a legal responsibility of corresponding with the client within 30-45 days ; this is obviously WELL past that timeframe! I am now sending a 3rd dispute today, XX/XX/XXXX, via certified mail. Maybe this will get you to do as you're legally required to.

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 2018-06-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
After years and multiple complaints this problems continues to be a mainstay of this bank! The retail account XXXX XXXX XXXX.I have tried to make a payment through your automated attendant which I believe purposely does not function of work since your able to collect late fees and charges and negate any special financing. Extensive wait times or please call back later the norm. By opinion I have no alternative but to find this a ruse that has continued ever sine I obtained my account and even though you profess your " working on the problem : it has not been repaired.. My payment was {$29.00} and now is. {$81.00} and I suspect a late fee. Account number - 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 explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I started disputing some collections and inquiries that are reporting on my credit that are not valid. I have yet to receive any information about the bureaus investigating my dispute ; they have never even acknowledged it! On XX/XX/XXXX I sent another dispute to the bureaus ; STILL nothing has been received or even acknowledged that the investigation would be started, no responses have been received, no debts have been validated. You have a legal responsibility of corresponding with the client within 30-45 days ; this is obviously WELL past that timeframe! I am now sending a 3rd dispute today, XX/XX/XXXX, via certified mail. Maybe this will get you to do as you're legally required to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: CURO Intermediate Holdings
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Ad Astra Recovery Services Inc is reporting a debt on my credit report that is not mine. On my credit report ( s ) this collection says it was opened XX/XX/2018 and th3e amount is {$1100.00}. I have contacted the company and disputed the reporting with the bureaus. The collection is on my credit report and I have not received an answer from Ad Astra Recovery Services. They are trying to collect money from what I assume is a loan. I have never taken out any payday type loans or fast cash loans. The name of the original company is SPEEDYCASH XXXX  XXXX VA. I do not know if the company perhaps made a mistake and reported my name by accident instead of someone else or if this collection is a result of identity theft. I have tried to resolve this and haven't received any response from Ad Astra or SPEEDYCASH XXXX XXXX VA in regard to deleting this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following addresses and accounts:XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX LA 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 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted my proof of identity as well as a request to correct my name and address that is reporting on my credit profile XX/XX/2020. I have not received a response back within the thirty day period. I am demanding that the items be removed off the credit report at once they are fraudulent and inaccurate.

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 2021-02-21
Company: Berlin-Wheeler, Inc. (Kansas)
State: AR
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:
XXXX MUST REMOVE ALL HARD INQUIRIES THESE ARE UNUTHORIZED. ALSO RELEASE MY XXXXXXXX AND SEND CODE

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 2018-03-27
Company: Roosen, Varchetti & Olivier, PLLC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
They have filed the same case 4 time in three different counties and are willing to take my payment plan. I called and the rep told me that they would get more when they take my wages vs the XXXX a mth payment plan and it was over XXXX. Also lawyer XXXX XXXX XXXX works for both collection companies offices and I feed that they shared my information without tell me the customer. 

Case XXXX ( FILED XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX account ( by XXXX XXXX XXXX ) o Made several attempts to resolve the issue with XXXX XXXX XXXX to no avail o After two years and another open case in XXXX County XXXX o No documents sent court for payment plan from lawyers office XXXX ( Filed XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX account ( by XXXX XXXX XXXX ) o Made several attempts to resolve the issue with XXXX XXXX XXXX to no avail o No documents sent court for payment plan from lawyers office XXXX ( Field XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account ( by XXXX XXXX XXXX lawyer also works for Roosen Varchetti Olivier Attn : XXXX XXXX XXXX ) o Notice was provided by ad for lawyers o Sent a letter to XXXX County about the update and they closed case XXXX due to no moment from the lawyers office in two years, yet refiled the case in another county. 
o Sent a payment plan request to both XXXX County Court and Roosen Varchetti Olivier to no avil o XX/XX/XXXX : sent another response letter to move the court date to XX/XX/XXXX to seek a lawyer or a payment plan and I also sent my bank info for a {$50.00} by weekly payment plan with {$100.00} down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
citibank denial of credit because i have exercised my rights under the cpa.

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 2021-04-09
Company: WELLS FARGO & COMPANY
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: Problem with personal statement of dispute

Complaint:
Dear WFDS, My account, # XXXX, is displaying that I have disputed and I disagree on your results. This account is under good stating and I am 100 percent satisfied with your reporting on all levels expect in the " comments '' area as you can see by the image I provide. 

Could you please be so kind to remove the comments, as I am not sure why you would say I am disputing or disagreed to your report. I am not doing either!

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 2021-04-09
Company: Experian Information Solutions Inc.
State: TN
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 was having difficulty paying my mortgage and came to a forbearance agreement with the bank ( XXXX XXXX ). XXXX XXXX was having difficulty showing this on our statement, but stated that we were in full compliance. In XX/XX/XXXX XXXX XXXX  bought out XXXX XXXX and took over our mortgage. Since the billing was never corrected, XXXX XXXX took that as if I was delinquent. We reached out to XXXX XXXX immediately to try and resolve the confusion. This has had no response or resolution. XXXX XXXX turned us over to their collection department which have reported multiple delinquent payments on our credit reports which drastically affected our credit score. We have been in talks with XXXX XXXX a Vice president at the XXXX TN location. He keeps saying they are working on it, but nothing has been done and we keep getting negative remarks on our credit score on all three credit reporting agencies.

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 2018-07-11
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back XXXX i sent out a letter concerning payments with this mortgage company and they sent me out a letter stating that due to the hurricane Erma that they would revise XXXX, XXXX, and XX/XX/XXXX and it is still reporting inaccurately on my credit report and I would like it to be adjusted on all three bureaus letter in attachments. Also I sent out a letter stating due to family crisis financial burden that I needed 3 payments prior in XXXX and XXXX to be modified and supporting documents and dates are listed in attachments as well. I was told any letters or concerns with payments should be sent to XXXX and I have done so with no responses or feedback on emails.

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 2020-06-03
Company: Monterey Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've disputed with this company and sent a dispute letter on XX/XX/XXXX. What I got back is incomplete. Where is the HIPPA form, license to collect in my state, copy of the furnish of debt???

So again I will ask again : I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for.

*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: Netspend Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Netspend by XXXX is sending messages and cards to consumers stating that they chose to open an account with them when in fact it is promotional and from a mailing list. It is deceptive and intentionally so. When I called to inquire about the email sent to me about my new account and debit card that I requested, I was told to just contact my email provider and that the customer service agent could not validate whether I was or was not a customer.

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 2021-04-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Home owners insurance not paid out of escrow account by lender. It is now XXXX the insurance premium was due XXXX. My mortgage is being serviced by Lakeview loan servicing company. I have contacted them numerous times by phone and text and have not been able to resolve the issue. On XX/XX/XXXX lakeview asked me to contact XXXX XXXX owners insurance and have them fax a copy of policy renewal. I did this. I was then contacted by XXXX XXXX by text stating it was taken care of. I contacted XXXX on XXXX. Still not paid. On XXXX lakeview said they paid. XXXX XXXX not paid. On XXXX XXXX called me said my insurance was cancelled due to lack of payment. XXXX Stated they were going to try to help me out by writing a new policy and resending bill to Lakeview and give them another 30 days to pay. We discussed that under the Respa law that lakeview is responsible for making timely payments from funds that are in my escrow account. Lakeview told me I need to pay XXXX directly to avoid cancellation but they also told me it was paid on XXXX way after due date. I do not have funds to pay directly that is why I have an escrow account. Lakeview has been paying XXXX My home owners insurance since XXXX and I have not had any changes to my mortgage or home owners insurance.

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 2021-04-09
Company: JPMORGAN CHASE & CO.
State: FL
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 order a 5 in 1 machine on XX/XX/21 for XXXX. I was sent a 3 in one machine that was clearly used for XXXX. I paid my money to send it back. The merchant said I would get a refund. I tried to send supporting documents to chase for my dispute. Chase claims that they did not receive my supporting documents after I faxed and mailed it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Demand Notice Promotional Bonus Offer Checking Account XXXX To Whom It May Concern : 1. On XX/XX/XXXX, I applied for and was subsequently approved for checking account XXXX in response to an unnamed {$300.00} promotional offer ( the Offer, Exhibit A ) which states Congratulations! You're eligible for this offer. 

2. On XX/XX/XXXX, I met all promotional requirements of the Offer. The bonus did not post. 

3. I contacted customer service on XX/XX/XXXX ( Exhibit B ) and the executive office on XX/XX/XXXX ( Exhibit C ) to request payment. 

4. Both requests were denied ( Exhibits D and E ).

5. The failure to credit the bonus constitutes breach of contract, unfair and deceptive business practices, unjust enrichment, and fraud. Moreover, it is emblematic of the serious ethical problems at Wells Fargo Bank. 

6. I am willing to settle for treble damages in the amount of {$900.00}.

7. Else this matter will proceed to trial. 


Sincerely, 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 2018-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. 
Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CROA requirements!

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 2018-07-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX bankruptcy All that is listed above is not mine please have them send the CFPB proof of said fact so I can take this to next level

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 2021-04-09
Company: Experian Information Solutions 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:
On XX/XX/XXXX I paid off XXXX XXXX i summited my letter from the creditor saying the loan has been paid off but yet every time I dispute it while providing the letter from the creditor, Experian keeps saying that I still owe and the account is verified even though I sent a letter Proving different

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