BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-10
Company: SYNCHRONY FINANCIAL
State: NY
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/JC PENNEY A/C #  XXXX was dispute 3 times and I requested for validation 3 times for this account and no attempt of validation was given to the consumer directly. 

XXXX XXXX/JC PENNEY response was a letter requesting for me to validate with XXXX XXXX XXXX A/C # : XXXX which is a different account. 
When I requested for validation of the account with XXXX XXXX XXXX A/C # : XXXX.Their response to me via mail and to the credit bureaus was deletion of the account they were reporting on my credit report. 

The 30 days of validation is past due on this XXXX XXXX/JC PENNEY A/C # XXXX and must be deleted ASAP off my credit reports.

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 2021-10-15
Company: EQUIFAX, INC.
State: IA
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:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to XXXX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting XXXX account as Last Active on XX/XX/XXXX and Last Payment XX/XX/XXXX. How can the last payment date be after the last active date? I also noticed that Experian is reporting a 30 day late in XXXX of XXXX and then a 90 day late in XXXX of XXXX. I asked Experian to advise how it is possible to go from 30 day late to a 90 day late? Experian is required to report only accurate information! And since it is in possible to go from 30 day late to 90 day late, means Experian is reporting in accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This check was cleared without my endorsement. This was done through Wells Fargo 's " mobile deposit. '' I have made many phone calls to XXXX regarding this issue, and they acknowledge that this should not have been deposited without a signature by both parties at the bank. 

They verbally acknowledged that this is a " loop-hole '' since it was done through their mobile deposit system during the beginning of the pandemic. 

They have never sent me a written statement regarding the outcome, only a verbal statement by their employees that I will have to take the party to court.

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 2019-05-13
Company: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
Please note that this complaint is in reference to complaint number XXXX-XXXX  that was sent to LexisNexis on XX/XX/2019, requesting LexisNexis to contact XXXX credit Bureau to remove the bankruptcy records from it's files and delete it. 

LexisNexis is being held responsible for selling my private and public information and selling it to XXXX  Credit Bureau for profit without any consent or authorization from me. 

It has been over 30 days on this complaint, LexisNexis never made an attempt to reply or even made an attempt to contact this predatory credit bureau XXXX   what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Greetings, Wells Fargo Bank which I do not bank with and do not have any accounts with allowed XXXX XXXX XXXX to mobile deposit a check to there banking system with my name on it. This has cause a negative impact to my credit limiting me the ability to purchase another car and to apply for a home loan while sending my credit score dropping a minus XXXX points below. Wells Fargo 's was complicity while allowing XXXX XXXX XXXX to cash that check with my name on it fradulauntely.

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 2021-10-15
Company: EQUIFAX, INC.
State: CO
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:
My mortgage with XXXX XXXX was in forbearance & though they were not reporting late they kept upping the past due amount every month so my loan showed I owed more than the original loan & has tanked my credit. I spoke to them in XX/XX/XXXX about it & XX/XX/XXXX again & they said they would bring it to the attention of the department responsible. Spoke with them again XX/XX/XXXX & they said they were allowed to report the overdue amount in the balance as long as they dont say payments were late. They also showed that my account was in forbearance on all my credit reports. Credit companies said they could do nothing or change any of that reporting. This in turn has completely messed my credit report up & Ive ended up with reduced credit lines & higher interest rates. The reason showing is my loans are too high balances compared to the original amount & theyre over the limit amount. This is the ONLY problem on my accounts! Not to mention other problems Im having w XXXX XXXX holding my sons CD hostage during Covid. Now instead of modifying my mortgage to a lower rate/payment they have put me in a trial 3 month payment for {$200.00}. Less than the original mortgage amount but have told me nothing about what they will be doing with my mortgage & if I will have a lower interest rate & payment after or IF they will be modifying at all! I am XXXX & need help desperately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXXDisput XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute all ftc violations sent over 45 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Experian Information Solutions Inc.
State: CO
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:
My mortgage with XXXX XXXX was in forbearance & though they were not reporting late they kept upping the past due amount every month so my loan showed I owed more than the original loan & has tanked my credit. I spoke to them in XX/XX/XXXX about it & XX/XX/XXXX again & they said they would bring it to the attention of the department responsible. Spoke with them again XX/XX/XXXX & they said they were allowed to report the overdue amount in the balance as long as they dont say payments were late. They also showed that my account was in forbearance on all my credit reports. Credit companies said they could do nothing or change any of that reporting. This in turn has completely messed my credit report up & Ive ended up with reduced credit lines & higher interest rates. The reason showing is my loans are too high balances compared to the original amount & theyre over the limit amount. This is the ONLY problem on my accounts! Not to mention other problems Im having w XXXX XXXX holding my sons CD hostage during Covid. Now instead of modifying my mortgage to a lower rate/payment they have put me in a trial 3 month payment for {$200.00}. Less than the original mortgage amount but have told me nothing about what they will be doing with my mortgage & if I will have a lower interest rate & payment after or IF they will be modifying at all! I am XXXX & need help desperately!

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 2022-01-08
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: Account information incorrect

Complaint:
I review my credit report on the XX/XX/2021 from Experian and XXXX. Upon reviewing My credit report, I found some inaccurate information. First error I observe that the addresses they have on file was not mine. Second, I seen some accounts that was inaccurate, labeled as a charge off with a incorrect balances. I wrote to Experian and XXXX demanding that they verify and validate these accounts and send me copies of validation. ( They didn't ) They ignored my request and updated more inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: EQUIFAX, INC.
State: TN
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:
Contacted Equifax, XXXX, and XXXX to file a dispute regarding the information on my credit report. I disputed a bankruptcy and hard inquiries. I asked for information on how the credit bureau verified the information they were reporting and they declined to provide that. I requested the credite bureau remove the information they are reporting regaring a bankruptcy and 4 hard inquiries from my report since they can not provide documentation of how the information was verified

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions Inc.
State: IN
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 called XXXX stating my card was stolen. I have called almost every month or so since then. I requested a statement of the charges to ensure I shut it off in time. I never received the statement. I have called multiple times in the last three years and did not receive the statement. This year feburary XXXX I finally received the statement. They charged me fees on top of fees, refused to allow me to dispute in a timely manner and now show the account 2x on my credit report and show it charged off after i disputed the issues with Experian and XXXX. I have only one account and still have not had help in the matter from the company. They have stated that I should be able to dispute the charges but then never call back to review. They have refused to send me documentation showing they were going to put account into charge off status and never called about the statements I was not receiving. They finally sent a statement for XX/XX/XXXX after I disputed a 3rd time and it still did not show the charges just late fees. I have been on the phone for hours with them, constantly have kept my contact informaiton up to date and they are negatively affecting my credit score and refuse to help. I have tried disputing the duplicate account and their response is it is correct. I had one account with them 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 2017-11-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a Jumbo loan in XX/XX/XXXX from Fifth Third Bank. It was a 7 year ARM. I have never been late, never missed a payment and in XX/XX/XXXX asked 53 whether they would refi my ARM into a 30 year fixed. I paid them the application fee, submitted all docs, incurred fees from my CPA and Tax attorney and book keeper to provide additional requested documents. My current payment is $ XXXX/month. The refi would have decreased the monthly payment, lower the interest and locked my into a 30 year fixed. 

53 which is the current lender, pulled a hard score of a medium XXXX FICO. After the pull, it obviously went down a few points. I am a preferred bank account holder, which was required to qualify for the refi. It requires a minimum balance of XXXX. 

After reviewing the entire application, it was denied. Regardless of the fact that 53 is my current lendor and I pay XXXX a month, never late. What 53 did was assess the value of my loan at a ARM, induced me into filing an application, paying a fee, incurring additional fees to produce additional requested docs, pull a hard score ( lowing my score ), which makes it harder to reapply, and determine that the refi at a lower rate is a lower payment and 53 prefers to have my locked into the ARM at a higher rate. 

I am livid and feel I was misled. This is a fraudulent scheme and predatory. Locking me into a higher payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: V and H Portfolio
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 3 inaccurate debts on my credit that I have never heard of or signed for. 

XXXX XXXX {$990.00} XXXX- {$2100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX- {$530.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: Nelnet, Inc.
State: NV
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 woud like for this loan to be forgiven because the school I attend XXXX XXXX AKA XXXX school and this school advertised to me that they had a job placement percentage of 80 %. The school was closed due to such claims. So I am requesting that my loans be forgiven. Due to my experience being impacted by such claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Experian Information Solutions 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 status incorrect

Complaint:
Today I received an updated credit score on XXXX XXXX. It shows my XXXX went down by 55 points. I have been disputing an account on my XXXX credit report for months now. I have called XXXX ( waited over 1/2 hour ) on the phone because I kept getting transferred. I have explained to XXXX that this account " XXXX XXXX XXXX XXXX '' does not belong reporting on my credit report. I even sent XXXX a copy of my XXXX credit report showing that this account has been deleted and removed off my report after there investigation. I was told they are seperate companies. I do understand they are seperate company 's however the same response should have been received for my dispute. First they were reporting that this account was included in my bankruptcy. Thank you to cfpb for helping me resolve that issue as I NEVER FILED FOR BANKRUPTCY. Now XXXX XXXX XXXX XXXX is reporting this as delinquent plus each month reporting as a late payment plus charged off to a bad debt. This information is completely wrong and it should not be reporting on my credit report. I do not know where to turn to from here my only other option is to hire and attorney for false information reporting that should be removed off my report. I have sent in and uploaded proof that XXXX XXXX XXXX XXXX does not appear on my XXXX credit report and they did a thourough investigation. XXXX and experian should have received the same response.

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 2022-03-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Laws section 605b, they should be blocking or removing these from my report. 

XXXX XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2019-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
Tried to get a free credit report. When asked to verify personal information, none of the options provided matched the actual, correct information. The company could not verify my identity in order to provide the credit report, which leads me to believe there is identity theft.

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 2017-11-10
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On made a payment on XXXX/XXXX/XXXX at XXXX p.m. My credit card company would not let me post my payment for XXXX/XXXX/XXXX, therefore I had to select the date XXXX/XXXX/XXXX. XXXX/XXXX/XXXX was grayed out on the calendar. 

I sent the credit card company an e-mail stating that I think that it is unfair that I go to make a payment at XXXX p.m. at night and I am not allowed to make the payment for today. I had to make the payment for tomorrow 's date, therefore I will incur a late fee. My due date is XXXX/XXXX/XXXX, which is the date that I attempted t make a payment for. 

I paid the card off with that payment by the way. 

I advised my credit card company that if a fee is assessed because I was not allowed to make a payment on the date that the payment was due, I would cancel my card. 

Since the fee was not assessed, I did not request to cancel my card. 

Then on XXXX/XXXX/XXXX, I received an e-mail stating that my account had been cancelled per my request. 

I never requested for this account to be cancelled. I advised them that if they charge me an unfair fee I would cancel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10
Company: ID Analytics, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a letter of denial after applying for an XXXX XXXX XXXX account through XXXX XXXX Bank, whom I already have 2 other cards with. The letter indicates their decision is based on information from a company called SAGESTREAM , LLC and this company indicates my credit score is  XXXX ( on a scale of XXXX?! ). I monitor my credit score closely and there is a big discrepancy with the information this supposed " credit bureau '' is reporting to creditors, compared to the credit score i maintain with the 3 major credit bureaus. I am concerned that this company, XXXX, is fraudulent and/or the letter of denial in whole is a scam to obtain my personal information. Additionally, I work in the finance industry, in collections, and in the 5 years I 've been employed by a credit reporting agency, I have never heard of this supposed credit bureau, SAGESTREAM.

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