BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-18
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XX/XX/XXXX, any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. I disputed this information with Experian on XX/XX/XXXX, the Credit Bureau says the information is accurate has not updated this information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report. I have attached two documents with the new laws.

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX5 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
Charge Off : XXXX {$0.00} XXXX OF XXXX {$0.00} XXXX XXXX {$3900.00}

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 non-monetary relief
Consumer complaint received 2018-10-03
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
LVNV FUNDING LLC Open Date XX/XX/2018 Amount {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: STERLING JEWELERS, INC.
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted company on or about XX/XX/2017, and explained I would be having difficulty making payments, as I was going through a life-altering medical event. Company agreed to suspend the account until I was able to make payments. Account was instead closed and placed into collections. Other companies I contacted, agreed to place their accounts into a " hardship status '' due to my medical situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: WELLS FARGO & COMPANY
State: DE
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:
My name is XXXX XXXX, cosigner for my daughter, XXXX XXXX, Wells Fargo student loan, loan # XXXX. The loan came out of deferment in XXXX, 2018 ; I was not aware a payment was due. Once I became aware of the payment due, I paid it immediately, contacted Wells Fargo to update my address and set auto pay to ensure timely payments. 
As a result of the payment being 30 days late, my credit score dropped from XXXX to XXXX. Therefore, I requested Wells Fargo retract this late payment as I was unaware of the payment, this is the only late payment, and I have set up auto pay. 

Wells Fargo refuse to retract this late payment from the credit bureau. I believe this is unfair as I have a solid credit history, this current score does not reflect my creditworthiness and Wells Fargo should provide courtesy and goodwill for customers who have ONE oversight ; then bring the account current, immediately. 

Thank you very much for your assistance with this matter. 

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 2021-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please investigate and remove it from my personal credit file. Thank you. 

( BK OF AMER XXXX, BK OF AMER 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 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Due to medical bills that I had in collections ( since removed ) I applied with XXXX XX/XX/XXXX, XXXX. and XXXX XXXXXX/XX/XXXX, XXXX. for secured card. They both made inquiries into my credit report. This was for cards backed by a deposit - not my credit-worthiness. They needed to place this more conspicuously as there is an implied contract of the card not being based upon credit worthiness. Also, where one normally can dispute this with the credit bureaus, here it is modified so that I am required toys every the banks remove the inquiry. This creates a greater burden of proof upon the consumer and allows for more abuse in the part of the bank - they are in control - they do what they want. It should be removed, but more so, these agencies provide facto public services. If more of their policies reflected these actions, legislation would follow as they should service as a mediator and an over site board in these sorts of disputes. It is unconscionable to think that they should be able to do this. Laws should be enacted to protect the consumer and allow them to dispute information with the bureau to which it has been reported.

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 2020-12-10
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: Their investigation did not fix an error on your report

Complaint:
Due to medical bills that I had in collections ( since removed ) I applied with XXXXXX/XX/XXXX XXXX. and XXXX XXXX XX/XX/XXXX, XXXX. for secured card. They both made inquiries into my credit report. This was for cards backed by a deposit - not my credit-worthiness. They needed to place this more conspicuously as there is an implied contract of the card not being based upon credit worthiness. Also, where one normally can dispute this with the credit bureaus, here it is modified so that I am required toys every the banks remove the inquiry. This creates a greater burden of proof upon the consumer and allows for more abuse in the part of the bank - they are in control - they do what they want. It should be removed, but more so, these agencies provide facto public services. If more of their policies reflected these actions, legislation would follow as they should service as a mediator and an over site board in these sorts of disputes. It is unconscionable to think that they should be able to do this. Laws should be enacted to protect the consumer and allow them to dispute information with the bureau to which it has been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern, XX/XX/2018 My complaint is against Fay Servicing as they were assigned my Mortgage while I feel behind during my divorce. I had file a complaint in XX/XX/XXXX ( XXXX ) regarding a lien that was placed on my property for unpaid utilities and XXXX  quarter taxes, in their response to that complaint they stated that it was for utilities alone and that they werent responsible for those which is true however there was also the XXXX  quarter taxes in that lien for which I borrowed the money from my employer to pay this lien on XX/XX/2018 ( see documents ). I called my case manager XXXX XXXX and explained all this to him but he stated they paid the taxes. I then went to the XXXX City tax off ice and spoke to XXXX, the tax collector and he printed everything out for me for which I had sent to my case manager and called to follow up but he never called me back. The only thing that was resolved from that first complaint was that they did grant me a temporary mortgage modification agreement for which I agreed to accept. I am still waiting for the credit ( {$1000.00} ) to apply to my account for the taxes I paid however my case manager XXXX XXXX stated via phone this morning that they are not going to refund me that money as there is no shortage on my escrow account however my mortgage includes the insurance and tax payment therefore I am paying paying them twice, once to the city on XX/XX/XXXX and again in my mortgage payments. I also never received and explanation as to where the {$47000.00} they received from the XXXX went toward my account as it appears there is still a forebearance showing on my account and that money issued to them in XX/XX/XXXX. shouldve covered and past due payments, taxes or fees to my account when I feel behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Diversified consultants keeps calling to collect a debt I don't owe, reporting it to different credit agencies repeatedly. a debt of XXXX is said to be owed on some equipment that was retuned but not credited

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report I have requested to see the original application. To this day, which is well over 60 days later, I still have not received a response or the original application. I feel like Im being taken advantage of and being ignored of my dispute. According to section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands.

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 2020-12-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report I have requested to see the original application. To this day, which is well over 60 days later, I still have not received a response or the original application. I feel like Im being taken advantage of and being ignored of my dispute. According to section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-12-10
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Synchrony bank / Walmart and XXXX  are reporting an account on the credit report that I have been trying to have updated or removed for specific reasons. My rights are important to me and understanding that they are deliberately ignored is not something that I am okay with. 
There is an account with SYNCB XXXX and this account has a lot of missing fields, inaccurate balance, payment amounts and payment months. I wrote to XXXX  so they can communicate with syncb and all they did was confirm they received the dispute and leave the information reporting. I have a screenshot of the errors and have highlighted them problems. 
An investigation already should have taken place so the account should report accurate and up to date information. There should be no investigation happening now unless they lied about the previous investigations they said they had. Either one still violating the fcra that protects against type of abuse in reporting. This account needs to be removed promptly. I need a response from XXXX  and SYNCB.

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 2020-05-24
Company: AES/PHEAA
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: Account status incorrect

Complaint:
Due to the CARES act, XXXX Student Loan removed my accounts, then put them back as new accounts causing my credit score to plummet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Firstsource Business Process Services, LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent collection letter notice by XXXX XXXX XXXX regarding alleged medical debt, asked for verification of debt, received paperwork from XXXX XXXX containing screenshots & print out of account but nothing substantiating that the account belongs to or originated with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: JPMORGAN CHASE & CO.
State: GA
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:
Hello, I was recently scammed by XXXX XXXX out of {$1000.00} for an app that they never created of mine. I went to my bank to try to get my money back but it was denied because XXXX stole images from my website and sent them as screen shots claiming they created the app. They also submitted my contract which was with XXXX XXXX but the transaction on my bank says XXXX of XXXX. 

I tried to deal with my bank and my bank doesnt look out for small individuals. Chase bank denied my fraud claim. Please help me rectify this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-12
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received the American Express XXXX XXXX card in XX/XX/XXXX. Part of the promotion was that I would receive a free weekend night certificate to use at any hilton hotel upon payment of the annual fee after holding the card for 1 year. At some point in XXXX Amex had a brand change where they automatically changed all Amex XXXX XXXX cards to Amex XXXX XXXX cards. This rebrand included new terms where consumers now needed to spend over {$15000.00} to receive a free weekend night at a XXXX XXXX. These WERE NOT the conditions to receive the free weekend night when I applied for the XXXX XXXX. 

I have held the ( former ) XXXX XXXX card for over 1 year and paid the annual fee. After repeated attempts to work with Amex to grant me the free weekend night certificate, I have not yet received the certificate. I have acted in good faith and fulfilled all of my obligations under the credit card agreement that I signed up for. I want Amex to honor their obligations and provide me the certificate as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 is reporting a in accurate inquiry on my credit report and i have no idea of this inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: United Shore Financial Services, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have contacted United Wholesale Mortgage over a dozen times ( Since the Spring ) and they keep saying that they are getting ready to send the escrow payments for my property taxes. Last week, the lady said, " They just sent overnighted it to make sure it got there on Monday. '' So I waited another week and I just called today and they still hadn't sent it out, I don't know what else to do and I'm already really late on my payments. Please help! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Im sending in a complaint to XXXX TRANSUNION, & XXXX, i have sent them multiples letters asking them to please remove the inaccurate and negative information that's reporting on my credit reports.They keep ignoring me with stall letters and I am very upset with it. If they can't provide me additional information and documents that i have statement in multiple letters i have sent them, they need to REMOVE everything i challenged IMMEDIATELY.

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