BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX, my free annual Equifax credit report request was delivered to the following by Certified mail XXXX XXXX XXXX : XXXX. 

Annual Credit Report XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX I have not received my Equifax credit report in the 3 months since my request was delivered. 

Last year ( XXXX XXXX, the SAME THING happened and I never received my Equifax report that I requested last year. 

XXXX XXXX XXXX, my XXXX XXXX, sent her request for her free annual Equifax credit report. She also did NOT receive her Equifax report. It was sent by Certified mail XXXX XXXX XXXX : XXXX. Her SSN ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have several negatives reporting on my credit and are not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX 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 explanation
Consumer complaint received 2018-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have several negatives reporting on my credit and are not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX 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 explanation
Consumer complaint received 2018-09-21
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They have been calling me for over a year using threatening language to take legal action on a debt from XX/XX/XXXX- which exceeds the statue of limitation for collection in the state of Ohio . I also have proof that this was settled in XX/XX/XXXX and sent it over twice to their office. They will not stop calling.

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 2018-03-15
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/2018 I received an email regarding my account being unavailable due to a high volume of use within the company, I had been declined for a charge earlier that day note some of the documents are unavailable to me because I am blocked from my account. I had tried to call for 4 days with no luck there phone lines where busy the whole time and I was not getting through, on the 4th day which was XX/XX/2018 I got through to dispute a charge from an atm I had attempted to draw money out of but was declined and charged anyway. The customer service rep told me there where three charges total and being blocked from the account I didn't know any better so I let her dispute them, 3 days after that on XX/XX/2018 I tried to use my card for an {$8.00} purchase and was declined, after calling customer service they informed me that I was permenately shut out of this accounts which I also got an email for at XXXX and that any and all matter should be sent via mail to the consumer relations dept. so I wrote a letter and sent it that day. For the next 8 days I called everyday and wrote 2 more letters asking for my refund check to be issued. Under the circumstances I had {$240.00} left in my main account and {$4000.00} in a set aside account. The {$240.00} was issued and sent I received it today XX/XX/2018 but due to the remaining funds being in a set aside account they had to unlock it at this time it is XX/XX/2018 I called because they had taken a direct deposit on this permentley closed account from the Kentucky revenue dept. for {$720.00} now they have {$4700.00} plus I still had not received the {$240.00} yet so I called and they said that no refund checks had been issued but my account could be reopened and a new card issued so I paid bluebird {$20.00} out of that account to overnight me a new card I have emails for the XXXX tracking and the email that confirms my purchase on Saturday XX/XX/2018. On Tuesday XX/XX/2018 I received the new card I had been trying for 2 day to change the funding source so that I could transfer the money to another account with XXXXXXXX XXXX which was confirmed yesterday XX/XX/2018 I woke up this morning with another email saying my account was premenatly closed. This had been going on for close to a month I cant pay an attorney to fix it cause I live on a fixed income this could severely hurt my financial situation. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Transunion is refusing to update account balances and update my XXXX score on these two credit card accounts accounts : 1. XXXX XXXX XXXX XXXX   Balance {$100.00}. Reported from creditor on XX/XX/XXXX.

2. XXXX XXXX XXXX XXXX Balance {$470.00}. This account should be reporting and update aroundXX/XX/XXXX. I have had past issues with these accounts not being updated by Transunion on time.

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 2019-06-11
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Radius Global Solutions has contacted me multiple times a day, from multiple phone numbers. They have contacted my personal phone number, my work number and my parents. I sent the company a certified letter that was delivered yesterday. I have confirmed receipt of the letter by USPS. Today, the agent at the XXXX phone number 5 times between XXXX and XXXX, contacted my work line at least once and my mother on cell phone. Not only was this the second time they called my mother, they discussed what type of debt that I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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  XXXX is inaccurately reporting a balance of {$310.00} not owed nor verified if owed and have made multiple attempts to request verification plus proof via documentation as well as an investigation that I owe this balance

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 2018-03-15
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I was issued a Discover Card with a credit limit of {$8000.00}. I tried to make a purchase for my daughter 's XXXX birthday through XXXX XXXX to find that my card was declined. I immediately called the company who then told me they lowered my limit due to recent inquiries on my account. First of all I did not give them the right to monitor my account monthly. Secondly I am a homeowner shopping around for refinance loans in order to make upgrades to my home. These inquiries should serve no bearing on my credit limit as it's in no way relevant. Thirdly I have made all of my payments to Discover Card on time. I believe I have been discriminated against for a numerous amount of reasons inclusive of my race. To add insult to injury, my score has and will drop based on this decrease as now it papers I've maxed my card out which may result on failure f me obtaining the loan I've been working on which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: Experian Information Solutions Inc.
State: TX
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 XXXXXXXX is inaccurately reporting a balance of {$310.00} not owed nor verified if owed and have made multiple attempts to request verification plus proof via documentation as well as an investigation that I owe this balance

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 2019-05-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Fraud alert removal

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 2018-08-19
Company: Midwest Recovery Systems
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Creditor agreed to remove my collection once paid. Attached is an email from collection agency that I am no longer liable. I have disputed several times with the credit reporting agency and the account still has not been removes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had to deal with these people before. I don't know why they keep saying this debt is mine. I have not been in any hospitals since 2009. So this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Butler and Associates, PA
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX, I received one letter from a law firm stating that I owed a Hospital ( XXXX XXXX XXXX ) for the amount of XXXX. The original debt was for XXXX, but interest is incurring on a medical debt to the tune of {$70.00}. The problem is that I didn't go to this hospital. Somehow, this letter was forward to me, is addressed to a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I don't live there. I sent in a valdiaton letter, got no response. I attempted to contact the hospital and left several messages. To this date, no one has called me back. Now I'm being sue for TWO medical bills for the same hospital with the corresponding law firm and not once has anyone sent me a validation of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying to sell our home in a short sale since XXXX. We received an offer and our negotiator submitted it to the lender. They came back with an extremely high counter offer. The buyer and our negotiator submitted a value dispute. Several times the lender confirmed receiving it but never had an update to provide. The pipes burst in the property in XXXX creating a huge water damage and creating a lot of mold to grow in the property. This information was sent to the lender but they lied and said they had just been in the property a week ago and the property was in perfect condition ( a different representative later told my negotiator that they had not been inside the property since last year ). We finally just received a response today ( after 2 months!!! ) and they lowered the value just a little bit. The buyer revised their offer to a slightly higher offer but we're concerned the lender will not look at it since they took 2 months to respond to the value dispute and gave several inaccurate updates and all out lies to us and our negotiator. Please help us to postpone the auction so that we can sell the property on our own terms and avoid foreclosure. The buyer is a cash buyer and can close immediately if and when approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: Hanna Holdings Inc
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Documents dates from XX/XX/XXXX/XX/XX/XXXX as well as currently XX/XX/XXXX numbers, dates loan numbers and a lot of the information and documents are different that what I signed and what Im reviewing and the title company made me change my signature and Ive requested a copy of what is on file at XXXX XXXX XXXX XXXX the supposed title company and XXXX XXXX XXXX as well as previous mortgage company as well as requested copies of the appraisals and paperwork. As well as have gone to phfa and called agencies for counseling for home buyers at phfa.as well as my employers and tax documents. Each time Ive asked for copies the documents are changed or something is different and Ive sought an attorney as well as gone to my church.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital one creditcard I have this credit card for more tha a year they used to charge a late fee every month in my bank took the money on time out of my bank and they report it late so they can charge for a late fee I call them about but last time they claimed they did resive it in my bank was allready taken out 10 day before but istill claimed they did have it so I closed this account they said I was responsable for the balance money I told them I agree but no for their stolen late fees they claimed I owe them the are stealing is a crime but the are stealing with their fake late fee

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A Apple Card/GS Bank USA account appeared on my credit report which I never used. I never owned any Apple Card under my name. I contacted the creditor Apple Card/GS Bank USA to know about this account and they advised me to report about the identity theft and apply to dispute that account to all credit bureau ( which I did ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo has added time and Almost 20k to my Mortgage. When I asked about these issues, I was told they didnt know and they had limited information. They sent me two loan mods that were done but it showed 3 years added, though they added 6. They can not tell me why my loan amount origination was modified to XXXX from XXXX. Please review the 3 pages uploaded and see the reversal of payments, and non-cash Principal adjustments. It added over 17k to my loan and Wells Fargo can not tell me why?!?!

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 2019-06-12
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 am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL ) XXXX, XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2018-08-20
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: Investigation took more than 30 days

Complaint:
on XX/XX/XXXX i send a letter to the creditor and credit bureau stating the issues. What they sent back was payment history and validation of debt and they did not fix the inaccurate information on my report which is lowering my credit score and holding me back from purchasing a home. They are showing 30 and 60 days late on my report for XX/XX/XXXXand XX/XX/XXXX but on the statements which i am attaching here it shows XXXX due and XXXX past due for these months. i will either the 30 and 60 day late removed from my report and it show never late or the account be deleted from my report all together here is a copy of the letter i sent the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Dear creditor, I would like to start a new investigation regarding the account listed below : XXXX dont recall being late. 

Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I dont recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus.I have attached an XXXX statement reading that I owed {$0.00} in XXXX and there was nothing past due. This account should have been fully paid off by my GAP insurance and there should be no balance. Please fix this. 

According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals XXXX XXXX, XXXX XXXX XXXX XXXX, creditors must investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. 

30 days is the allowable time according to the law. 

I await your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Commonwealth Financial Systems, 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: Old information reappears or never goes away

Complaint:
An account that was previously removed from my credit reports after an investigation was opened and completed, was reinserted back on my credit report and also re-aged. The Credit Bureau agency did not notify me in writing within 5 business days. I was not notified at all that this account would be reinserted. The account was removed due to inaccurate information and they did not validate the debt. Also the statute of limitation has passed on it from the original creditor. ( 2012 ) I also notice that the collection agency " re-aged '' the account by updating the date of last activity my credit report to keep the negative information on my report longer Account - Commonwealth Financial {$490.00} I am in the process of buying a home and this is interfering.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr.Cooper my current mortgage company paid the wrong homeowners insurance company without my consent. 
Our current homeowners policy is with XXXX XXXX and I have no idea why Mr.Cooper paid some company named The Hearth group.I never gave any permission to Mr.Cooper to pay any premium to The Hearth group.

I contacted Mr Cooper numerous occasions to let them know that the payment should go to XXXX  XXXX and no one else.Now I ma facing the prospect of having XXXX XXXX cancel our policy for non payment. 
Mr Cooper had no legal obligation to pay The Hearth group fraudulent bill.I repeat I have no idea who they are and why would they bill for a NON existing policy.Please help.This is FRAUD!!!!!!

Company response to consumer: Closed with explanation