BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-25
Company: EQUIFAX, INC.
State: GA
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:
This account is more than seven years and investigation is taking more than 30 day for this negative account on my credit report US DEPARTMENT OF EDUCATION ( CLOSED ) xxxxxx XXXX {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Convergent Resources, 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:
This account don't belong to me. Plese remove them from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies 1. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 or there about I submitted a dispute and it did not get removed when it Cleary was mistaken, it is in the letter I am attaching and the company representative said it clearly is to be removed

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 2021-07-20
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Santander Consumer USA was paid in full and they agreed to remove this debt from my credit report however it is still listed on there. I NEED THIS REMOVED!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Neighborhood Assistance Corporation of America ("NACA")
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been working with a NACA Mortgage Counselor since XX/XX/XXXX. They promote themselves as not relying on your credit score which is a complete fabrication. What do they think a credit score is comprised of ... well it's payment history ... payment behavior!! I knew going into this that I had late payments and some collections. However, the misguided  instructions I have followed have left me worse off that where I began. I was told I needed to pay off my auto loans because of the late payments. If the accounts were paid in full with documentation provided. He would send my file over to underwriting. I spent {$20000.00} paying off my auto loans in order to move forward in the mortgage process. Then around XX/XX/XXXX, I was told I needed to pay off three collection accounts before my file could be sent to underwriting. These are the same collection items that were on my credit report Day 1. I paid one of them off and sent documentation regarding the others. As of XX/XX/XXXX, the " Reviewer '' not underwriter said I would need to wait 6 months to show good payment history. Well what about alternative forms of credit ... ie. utilities, phone, cable, internet, car insurance, etc. They never once mentioned this and he told me that my rental payment history couldn't be used because " we can not do that in our program ''. Really that's not what's in their Home Buyer 's Workbook. I'm no out money that could've been used for a down payment on a traditional mortgage. I put in a notice with my landlord for XX/XX/XXXX because I completed at the end of XX/XX/XXXX what I was asked to do in order for my file to move forward to underwriting.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received credit alerts notifying me Fair Collections & Outsourcing , Inc . 
was reporting a debt owed under my name for {$700.00} upon contacting the company I was informed it was from a apartment complex ( XXXX XXXX XXXX ) located in XXXX, GA that I never applied for or lived in. I submitted the info they asked for to clear my name and have the account removed from my credit but so far I got no response. Both the collection agency and Apartment complex refused to give me any information of send copies of the original application. this fraudulent account is impacting my life and financial freedom to provide for my family as it is being reported to my credit file.

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 2021-06-02
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I recently reviewed a copy of my credit report from XXXX XXXX XXXX XXXX and noticed that I was reported as being late on this account which has caused severe damage to my credit score. After doing some research and coming across the Fair Credit Reporting Act, I see that I am allowed to dispute any and all late payment history being reported if I feel it is inaccurate or incorrect. 

I was affected by COVID-19. Per the amendment of the FCRA with the CARES Act passed by Congress in March 2020, any late payments need to be removed from my credit report and updated as paid on time with zero lates that were reported since XX/XX/2020. 

I already disputed this with the credit bureaus directly and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. 

Therefore, I would ask that you please conduct a reasonable investigation on the inaccurate negative information being reported on my credit for any errors or mistakes on your end.

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 2021-06-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase closed my business credit card for no reason or any warning. Can you please reinstate my account or let me reapply for this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Experian Information Solutions 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:
I have contacted the Bureaus XXXX  XXXX, and Experian, I have received confirmation from the US Bankruptcy Court Stating they did not furnish my personal information to the reporting agency. I demand to have this Bankruptcy removed from my profile as it is in violation of my rights and they have obtained my information without my consent from public records.

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 2021-06-02
Company: EQUIFAX, 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:
I have contacted the Bureaus XXXX  Equifax, and XXXX, I have received confirmation from the US Bankruptcy Court Stating they did not furnish my personal information to the reporting agency. I demand to have this Bankruptcy removed from my profile as it is in violation of my rights and they have obtained my information without my consent from public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Strategic Alliances, Inc.
State: FL
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 received a letter from a collection agency about a bill from 3 years ago. Not sure what it is. The Agency only gave me date of service and name of physician. I wanted something in writing for additional information. I never received a bill previous to this. I found out that the supposed original creditor went into bankruptcy and then shut down and this agency obtained the accounts receivable. The medical test in question seems suspicious and very costly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking account at bank of America on XX/XX/XXXX using a bonus offer I received via email. The requirements were to setup direct deposit and deposit {$4000.00} in the first three months. I promptly setup direct deposit, and met the requirements on XX/XX/XXXX ( bi-monthly payments on the XX/XX/XXXX and the last business day ) .The estimated date of receiving the bonus was XX/XX/XXXX, and the bonus period closed on XXXX.I called Bank of America at the beginning of XX/XX/XXXX to check the status, and was on hold for 30 minutes. Once I reached a representative, I  was placed on hold for another 20 minutes, and was given a different number to call to speak with their " bonus team. '' When I called the number, it was a fake number which was offering me a " free cruise. '' I called back and waited another 30 minutes to speak to someone else. They told me that my account was under manual review and that these things take time, but they saw I met the requirements and to call back in a few weeks. I called back on XX/XX/XXXX and spoke with XXXX, who told me a similar story, and that i should call back in XX/XX/XXXX. On XXXX I called back and spoke with XXXX, who told me I had met the requirements, and to call back at the end of XX/XX/XXXX. I called back on XXXX and spoke with XXXX from Alabama, after waiting another collective 45 minutes, she told me to call a different number, and I was able to reach XXXX from XXXX MA. After about an hour XXXX told me that the account had not met the requirements, because my paycheck did not qualify as direct deposit. He would escalate the issue and have it undergo another manual review, since my deposits are very clearly from my employer ( XXXX XXXX where I am a portfolio manager ). He asked politely that I call back by the last week of XX/XX/XXXX if I did not hear anything, but he would email me with the details of the call and any further information. No email ever came.

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 2018-05-08
Company: JH Portfolio Debt Equities, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debit letter and have disputed it. They claim I have a credit card debt from years ago but when I ask them for proof of what that debit is, they fail to send me documentation on what the debt encompasses. I ask them to tell me what the amount is for and they only say it is a credit card debt, they do not provide me any other details. Based on the lack of information they provide me, I refuse to assume responsibility for a debt that is not mine. They are continuously lowering my credit score unjustifiably. They are using my credit score as leverage for me to pay a debt that I do not know what it is about. I sent a copy of the certified letter below requesting information and asking them to remove this from my credit history. It has been over a month and they have not responded yet they continue to damage my credit history.

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 2018-05-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is an account being reported by XXXX which has not been validated nor authorized by me has been proventing me from obtaining credit and/or Loans, as per FDCPA and FCRA acts, this is a violations of those terms and must be removed.

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 2020-05-17
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
There are few unauthorized charges on my account and couple transactions with other issues. I have been trying to use Amex website to solve the disputes but most of the time it just does not successfully get the information through. Following transactions on my American Express XXXX XXXX have issues and should be disputed and credited to my account : ( XX/XX/XXXX ; XXXX & XXXX XXXX XXXX ; {$1500.00} ; Unauthorized transaction. The generic documentation provided by Amex not showing anything useful about what the charge is for. I have not received anything from XXXX & XXXX XXXX XXXX. ), ( XX/XX/XXXX ; XXXX XXXX XXXX  ; {$170.00} ; Unauthorized transaction. The generic documentation provided by Amex not showing anything useful about what the charge is for. I have not received anything from XXXX. ), ( XX/XX/XXXX ; XXXX XXXX XXXX  ; {$560.00} ; Unauthorized transaction. ), ( XXXX XXXX ; XXXX XXXX MD ; {$73.00} ; Order never received. ), ( XXXX XXXX ; XXXX ; {$600.00} ; Merchant not accepting a return within return period )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
The XXXX XXXX XXXX XXXX XXXX is issued by Wells Fargo. I make on-time payments through my bank, and I received a letter from Wells Fargo, notifying that they decreased my credit limit, which placed my credit use at 115 %. This creates an issue because it immediately lowered my credit score. The letter states that they are choosing not to reveal the reasons why they decreased my credit limit. This is an abusive practice and is detrimental to my credit history.

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 2021-06-02
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: Information belongs to someone else

Complaint:
These inquiries are not mine. I have never authorized them at all. I do not know them and this misleading information does not let me proceed in my life. What is that? Please help me and delete them after investigation. Let me know who did it to me.

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 2018-03-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Fraudulent transaction charged on XX/XX/ in the amount of {$550.00} Chase Bank refunded back {$550.00} once reported on XX/XX/ Merchant refunded back {$50.00} out of {$500.00} without solicitation or request on XX/XX/ Refund from Merchant of {$50.00} prompted Chase to charge {$550.00} stating I know merchant since they refunded {$50.00}. 
I told Chase I do not know merchant and did not authorize any charges or credits to my account. Therefore any charges and credits from Merchant are fraudulent. Chase is unwilling to refund fraud transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the inaccurate late payment for XX/XX/2020 showing on 23 student loan accounts with XXXX XXXX XXXX and each time the credit bureaus stated they have investigated the issue and come back that the late payment reporting is accurate. I now have documentation from XXXX XXXX XXXX stating this late payment that is being reported is indeed incorrect and that it should not be reporting as late. Also the balances reported are incorrect. Therefore this shows that the investigation that the credit bureaus supposedly conducted was flawed.

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 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I was denied a mortgage loan today ( XX/XX/21 ) from several banks. I found out from one of the bank that it was due to credit scores that it had obtained, more specifically from TransUnion because it was the middle score among the 3 scores : XXXX from TransUnion, XXXX from XXXX, XXXX from XXXX. The score range was XXXX to XXXX. 

The credit scores I obtained from the websites of the 3 credit reporting agencies, just hours before applying for the mortgage loan and before the bank " pulling '' my credit, were XXXX from TransUnion ( XXXX according to the bank ), XXXX from XXXX  ( XXXX according to the bank ), XXXX from XXXX ( XXXX according to the bank ). The XXXX, on their website, displayedXX/XX/2021 credit score whereas others indicated their score were as of XX/XX/2021.

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 2021-07-20
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:
After Providing The Three major credit bureaus With My Fraud Claims. The companies Have failed to remove all the inaccurate reporting 's. While some accounts were removed I have been getting Denials to remove other items & accounts related to fraud. And also overlooking my request for contracts regarding these accounts This has affected My life Tremendously. Also This has been ongoing for almost a year now.

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 2020-08-21
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Freedom Mortgage is refusing to provide us with our payoff amount until the last possible date required by law. This appears retaliatory in nature due to us having to file complaints in the past for their failure to properly pay two years of taxes and our attempt to refinance away from their company. 

Our new lender reached out to them onXX/XX/2020 and were told they could not utilize the automated request and had to email the request to get our payoff amount and then their request was not processed. When contacted and asked why, the company reported that they filed it as a duplicate request with the online request submittedXX/XX/20. The lender asked the title company to attempt to obtain the payoff. The title company called onXX/XX/20, the Freedom Mortgage representative said " sure, I can get that right over to you, what is the account information? '' After the account information was provided the representative said " there is a note on the account indicating that it can not be provided untilXX/XX/20. '' No further reasoning or justification was provided. The title company and the loan officer have submitted other payoffs to this company after ours and have already received them back. This was so out of the ordinary that the title company reached out to to the lender to let us know this is the first time, in dealing with Freedom Mortgage specifically, it has ever happened. 

We reached out directly to get the pay off amount, which in all the loans we've ever had has been easily found, and were told " we are legally allowed seven days before providing that information. '' They have made no statements or indications as to the technical reasons why in 2020, where all lending is computerized, a lender does not have that information readily available at all times or why this information can not be generated for us. 

It is these kind of predatory and underhanded tactics that have pushed us for the first time in five mortgages to refinance away from a lender. Now, rather than allowing us to leave, they're taking as long as legally required to make us wait until they can create some other roadblock to slow down our escape. Lastly, they have left us with an inadequate escrow balance after they used our escrow account to pay for penalty and legal fees ( {$680.00} ) related to delinquent taxes they failed to pay despite their promises to cover the fees ( reference previous reporting to CFPB that they covered these fees ). This company has a history of poor escrow handling and consumer financial transactions!

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