BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-17
Company: Neiman, Stone & McCormick , P.C.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX was contracted by me for yardwork and lawn upkeep. I made an arrangement to pay of every other week. I paid by US Postal Money Order several times and once by personal check. I NEVER RECEIVED ANY KIND OF BILLING STATEMENT ; NOR WAS I GIVEN A PROPER DEBT VALIDATION IN WRITING PER THE FAIR DEBT COLLECTION ACT. 

In the meantime, the property my sister inherited ( the family home ) was foreclosed and we had to vacate the premises. We never received any kind of written communication whatsoever from XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, Iowa filed a garnishment against my XXXX XXXX XXXX checking account through the lawyer for my mother 's estate despite the fact, that that attorney, XXXX XXXX XXXX, practicing law in XXXX, Iowa is in Conflict of Interest because he represented the Estate and the Guardianship at the very same time he represented the Credit Union that held my late mother 's Home Equity Loan note. XXXX had no problem communicating with XXXX XXXX XXXX which said company can not find its way to XXXX   County District Courthouse ( XXXX  Iowa ) but could find the way to a courthouse in XXXX XXXX ( mid-state Iowa ). 

I want the alleged debt validated -- to show what I have paid and exactly what is owing and the garnishment lifted from my checking account because I am taking care of an invalid and need the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: DISCOVER BANK
State: VA
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:
This account has been paid in full and not in a derogatory status. XXXX  Has not made an update to the account since XXXX. XXXX  has not updated this account since XXXX. XXXX has not made an update on this account since XXXX. All Of the credit reporting agencies are reporting different last payment dates for this account. As well as the date that this account was opened is reporting differently on all three credit reports. All Three credit reporting agencies all have different Information that does not accurately report this account. XXXX  Is reporting that this account was 120 Days past Due where the other two credit reporting agencies are reporting that the account was never late and is Current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Bass & Associates, P.C., Attorneys at Law
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was unable to select my true issue in the options provided. 
My student loan has entered default in XX/XX/2019 I have tried to contact the collection agency to make payments FOR MONTHS I will wait on the line for HOURS and can not get through I have read several reviews on XXXX from other consumers stating the same issue I just want to reinstate a payment plan for rehabilitation of the loan! 
Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I 've contacted the companies who have pulled my Credit fraudulently without my consent or authorization in an attempt to get credit and use it without my permission. The companies state someone provided my Information to contact the credit bureaus. I have gone ahead and added a fraud alert to protect my information since then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-22
Company: CITIBANK, N.A.
State: NY
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:
On XX/XX/2018 I ordered XXXX XXXX and XXXX XXXX XXXX. I did not see the fine print which stated that they would bill be every month for {$89.00} and {$90.00}. When I noticed this, I called and cancelled the orders. The company cancelled my orders and never sent any products. 

I spoke with Citi Cards and disputed the billing. They said I needed to prove I cancelled the orders so I called the vendor and was given a cancellation reference numbers that I provided to Citi Cards on XX/XX/2018. On XX/XX/XXXX, I received a letter from Citi Cards stating I had no proof of cancellation so the issue was resolved and I had to pay. I called them and referred to the cancelation references. They said they would bring it the billing departments attention.

I received the next bill from Citi Cards and again, I was billed for these products I did not receive. I called Citi Cards again and was re-assured it would get handled. I then received another letter stating the issue resolved and I had to pay the money. I again called and was told they would look into it and let the investigator know of the cancellations.

Please help. I suspect Citi Cards cant get the vendor to return their money so they are looking for me to reimburse them. I received no product and the vendor has cancelled my account. But Citi Cards keep insisting I owe them money. To add insult to injury they are now charging me interest for non payment despite their assurance they wouldnt. 

Any help you can give me would very much appreciated as it appears my talking to them falls upon deaf ears.

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 2020-09-14
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: Investigation took more than 30 days

Complaint:
In XX/XX/2020 I file dispute letters to all 3 credit bureaus I have yet to receive anything from them. I understand with covid goin on things are slow but taking over three months to reply is not accpectable.

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 2017-12-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Over the weekend over XX/XX/XXXX-XX/XX/XXXX there was funds present in my Chase bank account ending XX/XX/XXXX XXXX with about {$7.00} in my band account and making a single insufficient funds transfer of {$34.00} when i wole up at XXXX XX/XX/XXXX My bank account with a negative balance of {$360.00} for 6 consecutive {$34.00} insufficient funds fees that were transactions I had made with funds in my account when I called Chase they keep telling me they do not understand me ... all I want is my money back as I had made those transactions correctly and with funds present in my business checking account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Re : erroneous item XXXX XXXX XXXX # XXXX reported by your firm to XXXX . I  have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. XXXX XXXX XXXX has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. XXXX XXXX XXXX has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
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: Information belongs to someone else

Complaint:
I am a Vitim of the consent order that was filed against XXXX XXXX XXXX XXXX ( XXXX ) that addressed the Bureaus finding that it violated the Fair Credit Reporting Act ( FCRA ). XXXX has continued to furnish inaccurate information regarding to credit bureaus with account information that is completely inaccurate and does not belong to me. I have contacted XXXX XXXX XXXX XXXX multiple times and the company has failed to provide information regarding this debt and has not removed this debt from my credit report which has impacted my credit score and access to credit. Additionally XXXX has reported varying information regarding the CRA 's and has failed to verify the accuracy of the information reported. XXXX XXXX XXXX XXXX has a known history of predatory auto lending and request the details of this complaint are investigated promptly. 

I have contacted the XXXX XXXX, and Experian who have also failed to accurately investigate these concerns in a timely manner and resolve this complaints noted. Additionally, the bureaus have failed to provide details regarding the investigation.

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 2018-09-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX : I send them a validation/verification of information that they are reporting and they sent me back a letter stating that they received my dispute, investigated and will continue to report the same information. They provided no proof whatsoever, nothing bearing my original signature or any signature at all. They also are reporting this without a SURETY BOND which Texas requires of all debt collectors whether " direct '' or " indirect ''. I have attached all pertinent information and I appreciate your time. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I called because we made a payment that stated it posted, however, XXXX was the rudest customer service agent I have EVER spoken to and even yelled at me regarding a manner when I asked to speak to someone else.

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 2020-09-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
2 new derogatory accts by debt collectors on my credit report. I have no knowledge of the debt .... could not get anyone to prove this is not a scam. Got no response to prove original creditor and contact only to debt collectors. XXXX XXXX Tx. Is well known to the better business bureau and listed D+ rating due to scams and consumer complaints. XXXX XXXX is another one same story. I am trying to purchase a home and my credit rating has now dropped 100 points ... .. The dispute process with XXXX IS SO DIFFICULT, I feel helpless to deal with this issue and get it off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX : I send them a validation/verification of information that they are reporting and they sent me back a letter stating that they received my dispute, investigated and will continue to report the same information. They provided no proof whatsoever, nothing bearing my original signature or any signature at all. They also are reporting this without a SURETY BOND which Texas requires of all debt collectors whether " direct '' or " indirect ''. I have attached all pertinent information and I appreciate your time. 
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 2023-02-16
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
Acc. CFPB 12 CFR 1006.6 & 1006.14, cease and desist all communications with the consumer, through all mediums of communication including credit report. Do not engage in any conduct to harass, oppress, or to abuse me, the consumer.

Acc. CFPB 12 CFR 1002.7, Comenity Bank discriminated and committed adverse actions against me for exercising my rights under good faith. Comenity bank changed the terms of the agreement and closed the account twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 am XXXX XXXX and I am submitting this complaint on my own behalf. There is no third party involved Capitol one is stating that I am late on a credit card I NEVER activated or used. As the consumer and the original creditor I have been treated unfair and my credit report has been damaged in the process. The Fair Credit Reporting Act statue code 15 USC 1681 ( 2 ) ( b ) states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card shall be EXCLUDED from a consumer credit report and capitol one is in violation of this subsection of the FCRA. I DO NOT consent to to them furnishing this information o my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX  reported on my credit report on XX/XX/XXXX that I have a collection for {$210.00}. That is the wrong date, the account was opened XX/XX/XXXX. I never recieved anything in mail about this account. I called the collection agency and they gave me information and told me that the account was being sent to another address that I know longer stayed at. I paid the debt and XXXX  telling me that they can't remove the debt. 

I had no knowledge about this debt when it reported on my credit report. 
The last letter was sent to an address that I know longer lived at, XXXX. I haven't been at that address for 4 years.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXCompany : XXXX XXXX   XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXCompany : XXXX XXXX XXXX Company : XXXX XXXX Date:XX/XX/XXXX BELOW are the Company , Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$53000.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$10000.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$6400.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$4300.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$5400.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$4600.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$7300.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$2600.00}

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 2020-05-22
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: Old information reappears or never goes away

Complaint:
This complaint is in reference to a time-barred student loan reportedly opened on XX/XX/XXXX, which went into default in XXXX. This account is reported multiple times on all three credit reports as separate names. See below for multiple names. Also indicated, is which credit report the account is on. I have also attached my credit reports for reference. XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX, TransUnion : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. Through many dispute attempts, I was unsuccessful in removing the duplicate accounts. 
XXXX is the only updated bureau. There has never been a payment or payment agreement on this loan, nor any additional documented activity. Therefore, this loan is past the statute of limitations, and due to the age, ten years, should also have been removed from my credit reports. If there is documented proof that the statute of limitation was reset, I am formally requesting the proof. If I do no receive this information, I will consult legal representation.

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 2021-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
We open an account and in an hour they closed and is holding my money the account was for business porpoises we deposited 2 checks now I have to wait until bank American wants to send my money when that money was for insurance and services for the business is long long wait didnt told me anything about this try to speak with customer service and cant explain what happened

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 2017-09-15
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX, 2017 submitted disputes to XXXX XXXX and XXXX - as of today I have not been informed of the investigation results. I have not received an updated credit report, and I have not had anything that was disputed corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
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:
I checked my credit report and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind almost 5 years ago after having high risk major XXXX  XXXX that forced me to take off from work for weeks. My job did not pay me for any of my time off so I had absolutely no income at this time which is why I fell behind. At the time I couldn't imagine losing my home so I tried multiple times to modify the loan so that I could catch up and start making payments but I could never get them to approve the loan modification so I finally gave up and moved out of the house in fear that they would foreclose it and I would be out on the streets. Even after the failed loan modification attempts, Wells Fargo has continued to send endless sheets of paperwork offering me to apply for another loan modification, short sale, or a deed in lieu until as recently as 2 months ago. I am now in the process of trying to do a short sale with them and I have sent every single document that they have required of me and now they refuse to allow me the time to get through it. I sent in everything over two weeks ago, including an offer from a willing buyer and they still have a foreclosure auction scheduled for Tuesday XX/XX/XXXX. It's like they've set me up to fail ever since I seemed to have inconvenienced them with my health problems. I can not afford a foreclosure right now because I've worked so hard these past 5 years to rebuild my credit ever since I was out of work and this would kill my credit. I just need an additional 60-90 days to get this thing closed, can someone please reach out to assist 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