BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-22
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a spouse of an XXXX XXXX serviceman. My current mortgage company is United Wholesale Mortgage. We refinanced and closed XX/XX/XXXX with a deposit into escrow because property taxes were coming due. I was alerted the taxes were not paid XX/XX/XXXX and called the company to see what the delay was. I was assured that the taxes would be paid and received several follow-up calls assuring me that the problem was handled. In the end of XXXX this year I was again alerted that my property taxes were still not paid. I contacted UWM and was again assured the taxes will be paid and they were on the situation. I received several calls without resolution of the problem. 2 weeks ago I began insisting that I was explained what the problem was. I was told that we were tax exempt ( which we are not ) and was told they had no intention of paying with the over XXXX XXXX dollars of money currently in escrow. They said they were only going to pay the home insurance with the money which makes no sense as that is only {$1000.00}. I contacted the XXXX County Assessor 's office and they were very helpful in finding out the mortgage company was using the wrong parcel number ( Assessor 's ID ). I again alerted the company to this error and sent my copy of the current tax bill expiring XX/XX/XXXX on XX/XX/XXXX along with the conversation with the XXXX County agent. I again received a follow-up call stating that they couldn't pay the bill yet. They told me they contacted the XXXX County Assessor without changing the parcel number. I asked if they could close the escrow account and give me the money to pay my taxes or just simply pay the taxes immediately. The penalty fees are currently {$360.00} but will probably be doubled because they once again missed the deadline. At this point in time they still have not resolved the problem and my taxes are unpaid about 5 months late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: SYNCHRONY FINANCIAL
State: KY
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 have tried to communicate with Old navy credit card and I continuously receive the run around. I called and spoke with a rep last year regarding this account. I paid the account in full and asked that the account be closed at the time of that call. After reviewing my credit report and researching on my own when I paid the account in full and asked for it to be closed the rep should have notified me that the amount I paid was the not the full balance. So basically from XXXX until XX/XX/2019 XXXX XXXX was reporting late payments stating that I owe them XXXX $ ( XXXX ) dollar. I had no knowledge of this until I saw 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 non-monetary relief
Consumer complaint received 2021-11-06
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a reporting on my credit saying I owe XXXX $ to lvnv funding. I reported this before as identity theft. And it was removed from all credit reporting agencies. And know it is back on my credit. I would like for this to be REMOVED AGAIN AND TO STAY REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: ALLY FINANCIAL INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Several companies and credit card companies have kept old information on my credit report even though it has been well over 7 years since the debt occurred and the accounts were closed.

XXXX XXXX Credit Card opened on XX/XX/XXXX has been closed for years but is still showing on my credit report as owing {$1400.00}.

XXXX XXXX   opened XX/XX/XXXX has been closed for years and still is showing on my credit report as owing {$890.00}.

XXXX XXXX XXXX XXXX is showing 9 different accounts on my credit reports and open XX/XX/XXXX and closed over 7 years ago and still showing I owe {$1700.00}.

Ally Financial ( unpaid car loan ) was closed over 7 years ago but they keep sending the debt to new collection agencies and thus lowering my credit score and adding negative debt in the amount of {$23000.00}.

There is also fraudulent activity on my credit reports and I have filed police reports with the XXXX  NC Police Department and charges have been filed against the person responsible for the fraudulent activity and opening of accounts with my personal 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 2018-12-13
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I reached out to AMEX this week to discuss my sign on bonus. The agent told me I had ~ {$900.00} left to spend to achieve the bonus. I then asked when do I need to do this by. It took the agent several minutes to get back to me and told me the time had expired. I told the agent I wanted the timeline increased to achieve this as it was deceptive that it was never included in any of my statements since getting the card. The agent stated they couldn't do that. I then asked for no annual fee for two years to cover the costs of the card. They couldn't do that either. I went the same round with the agents supervisor. 
I feel that AMEX is not acting in a forthcoming way and they are being deceitful with their practices of not disclosing a timeline on statements when a consumer must spend a certain amount of $ to achieve a sign on bonus. I have spend another {$15000.00} on that card since the date that the agent took a while to find. I have been a good customer for many years and then they choose not to give me the bonus or help with the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Experian Information Solutions Inc.
State: NJ
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 believe I have been effected by identity theft. Accounts were opened using my social security number and information without my knowledge. By the time I realized, my score was so low, I could not obtain any credit. This has effected my greatly and I would like this inaccurate information removed from my credit report within 7 days.

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 2020-11-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Wells Fargo Bank, NA has acknowledged that they have unlawfully opened deposit accounts without my knowledge however, Wells Fargo Bank Card Services however has failed to acknowledge the unlawful credit card accounts opened, destruction of my credit worthiness and continued account takeover fraud despite the overwhelming amount of evidence that I have provided. This is a blatant violation of the CFPB XXXX OCC legislative agreement reached earlier this year. Wells Fargo continues to engage in abusive sales practices, fraud, conspiracy to commit fraud, account takeover fraud, destruction of my creditworthiness and failure to assist me and refusal to reimburse all fees associated with the fraud regarding accounts in my name should be noted and investigated.

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 2021-07-14
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act and finally some misinformation like my name, address, and employer to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
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: Information belongs to someone else

Complaint:
I have a lot of inquiries on my credit report that I did not authorize at all. I have disputed these items as identity theft and they will not remove. I also have identity theft on my credit meaning if any one apply for credit they will first toake sure it's me. And nobody has called at all. So I called TransUnion to ask why they are not calling I was told that are not required to do so. But it clearly says they are suppose to call and make sure it's you applying for any credit I would like for all this to be removed. What's the purpose of having credit alert

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 2021-07-14
Company: CL Holdings LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, Mn Via U.S.P.S. Certified Mail/Return Receipt # XXXX Re : Alleged Original Creditor : Jefferson Capital Systems, Inc. 
Alleged Original Creditor : Account number : XXXX XXXX XXXX XXXX Name : Jefferson Capital System , Inc. 
Debt collectors account number :XXXX Alleged Debt Amount or Balance : {$1900.00} Current Creditor : J

efferson capital systems , Inc . Dear Jefferson Capital Systems, Inc
. 

I recently received communication from you to collect the above-listed alleged debt. 
Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to CRAS to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney. 

Sincerely, XXXX XXXX XXXX S.S. N. XXXX DOB : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via fax and or email @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem with product or service terms changing

Complaint:
On XX/XX/2020, I contacted XXXX at XXXX regarding a financial hardship I was presently experiencing, NOT RELATED TO COVID-19, and made them aware that my XXXX payment will be late. They documented same and immediately begin harassing phone calls and emails regarding my payment delinquency. Although, I made my XXXX payment as soon as I could ( XX/XX/2020, when I received my pension check ) ; they threatened me that if I did NOT make my XXXX payment before XX/XX/XXXX, they will submit to credit bureaus, derogatory remarks/delinquent/etc. and they did causing my credit score to be reduced by " 50 POINTS ''!!!!! As I had been working so hard and so diligently to get my credit back on track after bouncing back from Chapter XXXX bankruptcy ; this really hurt me and my continued efforts to strive to increase my credit and get back on track. When I called on yesterday, XX/XX/2020 and spoke with a supervisor at XXXX, she admitted to be aware of the conversation regarding my hardship ; however, she stated that " unfortunately because my payment was more than 30 days late '', there was nothing to XXXX could do. Please note that I was one ( 1 ) payment late and this should not have caused this HUGE reduction in my credit score. Thank you so much for your time and consideration. 

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 2021-04-22
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: NJ
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 believe I have been effected by identity theft. Accounts were opened using my social security number and information without my knowledge. By the time I realized, my score was so low, I could not obtain any credit. This has effected my greatly and I would like this inaccurate information removed from my credit report within 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
They're reporting inaccurate information. When i'm asked verification questions none it matches up to what they're reporting so i fail. I've tried contacting them but all they offer is automated service. You can not talk to a human. They have me associated with someone else, my loan date is wrong, people and addresses listed that i'm not aware of. This causes me to fail the verification question process with financial institutions. All 3 bureaus

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 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 credit score with Transunion and XXXX was dropped 31 points with no explanation, I've been trying to contact them but with no success, this is making my finances explode in a very bad way when it should have never happened seeing all my accounts are current Thank you 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 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i XXXX XXXX entered into a consumer credit transaction with XXXX several years ago. A consumer transaction that i never gave any written consent to report anything on my consumer 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 2017-11-17
Company: RFNA, LP
State: SC
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:
Republic Finance posted the payoff of this account, which was a check from my credit union, the day after the payment was received. Ultimately, this resulted in a 30 day late payment, which was the only payment ever reflected as 30 days or greater on this account. This is a blemish on my credit report, and it limits the availability of credit to me or the interest rate of credit available to me. In an attempt to resolve this, I called Republic a few months ago, and they stood firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
State: OH
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 SEE THE ATTACHED LETTERS AS CONFIRMATION OF ACCOUNTS PAID IN FULL

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to this company many times and have not received anything. They say my complaint " deemed frivolous or irrelevant ''. Which I find disrespectful and deeming to me as a person. I sent an email for two individuals on the executive team to discuss the situation as the person who responds to these complaints is not professional and talks down to me as I am stupid. I have requested contact from the company with no response other than just applying it to my credit and destroy my livelyhood.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Santander Consumer USA 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: Investigation took more than 30 days

Complaint:
I have a creditor named Santander that I had a vehicle with over 7 years ago. I have disputed the accuracy of last payment date which is inaccurate, and is severely hurting my credit score. The account still shows on XXXX  and refuses to be removed even after the 7 year statue. XXXX is not helping to actually investigate this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: WELLS FARGO & COMPANY
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX  attempted to contact me on XX/XX/XXXX. Alleged debt from Wells Fargo from XXXX. XXXX XXXX states they sent correspondence late XXXX, however did not receive it. Company threatened legal action unless payment was made immediately. XXXX XXXX sent an email via XXXX regarding the debt. I proceeded to fax correspondence to validate the debt and stop contacting via phone, only though US mail. Company contacted me directly and my employer on XX/XX/XXXX at XXXX CST. 
Company is in direct violation of FDCPA. When I called the main contact after I received the subsequent communication on XX/XX/XXXX ; whom I spoke with on XXXX ( XXXX XXXX ) she stated that they received the communication and would not send a debt verification as requested via fax and that she would see me in 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