BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-12
Company: EQUIFAX, INC.
State: OK
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 put in the same exact dispute information to Equifax over incorrect or fraudulent addresses on XX/XX/XXXX, XX/XX/2020,XX/XX/XXXX. 
The resolution was that they were to be deleted I had called in to Equifax before the 10 month about it, they asked me the security questions that was on my profile. He then put in the same dispute as well after he told me he couldn't go in automatically and delete it himself. 

On XX/XX/XXXX. The resolution was to have those address deleted. Today is the XX/XX/XXXX. 
I called in again since now it has been well over 30 days to delete those from my account. 
I answered the same security questions and didn't pass even though I was looking dead off at my online credit report as I normally do when dealing with Equifax. 
She tried to tell me and then deny that she had asked me a so called security question that did not even pertain to my credit report over asking me if I ever had another credit card in the past even when I listed to her what all CC accounts I had. I had listed the credit limit and the monthly payment. 
She then tried to tell me that I needed to send in a copy of my id and social security number. I told her they had it already on file. She then asked me when I sent it in. Told her I couldn't remember since it was such a long time ago when I sent it from this exact address. 
She then replied instantly it wasn't on file ( Doubt she even looked being that quick ). 

I am tired of fighting with Equifax every time I turn around. They are the worse company to work with and they do not abide by government laws. They are outsourced to the XXXX when they should be American based!!!! 
All I want them to do is update and DELETE those addresses from my credit report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Experian Information Solutions 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:
Since the beginning of XX/XX/XXXX, I have been trying to get the collection account that is inaccurately removed from my credit report. I have sent out a letter over and over asking for these accounts to be removed because they are inaccurate. My credit is being damaged and my credibility to establish new credit is being hindered.

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 2019-11-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian online and app is hindering my credit for months and possibly years.. I bought the premium service from Experian and noticed my score to be very low. I investigated and uncovered that they are reporting that I am using 115 % of my credit. It would be impossible for anyone to use that much when 100 % is all anyone could use..in reality I'm only using 20 % of my credit ... I have 7 accounts that are perfect in payments and never have been late, yet they report that I only have one account in good standing with current bad payments on all the rest.. this seems to be the case across the board on all my 3 reporting agencies on there app and online services ... When I called Experian to complain about the problem they played phone tag with me..they continued to send me to the dispute center over and over again even after I explained that this was an app issue and online problem that needed the developers technical services they continued to play phone tag.. one employee informed me that I should speak to my bank 's financial analyst after speaking to there supervisor to resolve my problem.. My banks analyst has nothing to do with Experians app or online problems with incorrect data, glitches or malicious practices of incorrect data.. When I finally spoke with someone with half a brain, they told me they would expedite a ticket to there online and app services to correct the problem ... its been 2 weeks and the problem still exists ... during these exhausting 2 weeks of calling over and over again I never once spoke to a supervisor or someone in charge after repeatedly asking to speak to one, they just continued to blow me off of my requests and returned to playing phone tag with there dispute department ... please help me resolve this problem with this credit reporting agency as they are illegally reporting false information and playing with my life 's and my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Scott Fetzer Financial Group 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: Account status incorrect

Complaint:
I have continuously disputed this account with the credit bureaus and the company itself. This account is being reported inaccurately and I want it removed immediately from all credit reporting agencies. It went from closed, paid charge-off in XXXX to having a balance now. The original balance also changed. It went from {$2000.00} in XXXX to {$2200.00} in XXXX.The date opened changed as well. Another issue is that they are updating it ever month as a charge-off. A charge-off can only be charged off 1 time. How are they reporting 3 charge-off on my credit report in XXXX and 2 charge-offs in XXXX? I was denied a loan because they said I have recent charge-offs on my account. They reported a new charge-off for XXXX, XXXX and XXXX of this year. I have attached the copies of my credit bureau report that show the differences.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Experian Information Solutions Inc.
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:
Checked my credit report and saw fraudulent inquires on my report. These are not my inquires. I did not authorize them.

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 2019-08-29
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Security Credit Services located at XXXX XXXX XXXX , XXXX, MS XXXX Phone ( XXXX ) XXXX Email XXXX XXXX XXXX XXXX, XXXX, MS XXXX has not deleted the collection debt they said I owe, this was a result of someone opened a fraudulent line of credit. I reported to the 3 credit bureaus and they refuse to delete this causing me to not been able to refinance my home. The account is open and has not been deleted from my credit reports.

amount they said I owe is {$1200.00} Notes from credit bureaus ; " Account information disputed by consumer, meets FCRA requirements ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/1998 I purchased a house on XXXX XXXX XXXX, XXXX XXXX, VT XXXX. At the time my mortgage company was XXXX XXXX which bought XXXX XXXX in 1998 and assumed the name XXXX XXXX ) the previous owners at the time were XXXX and XXXX XXXX and the mortgage company was XXXX XXXX XXXX, and that mortgage company didn't discharge the loan with county in Vermont. I'm currently in the middle of trying to sell my house and the title search company was the one that found the error. There were apparently 2 successor banks dueling over who was the proper interested lender. XXXX XXXX had the original mortgage and they merged into XXXX  XXXX XXXX. However, there was a purchase at some point by Chase of certain accounts. So Chase and XXXX needed to decide who could handle the matter. The mortgage references both XXXX XXXX XXXX, which became XXXX  XXXX XXXX, and XXXX XXXX XXXX XXXX, which became Chase. However, both Chase and XXXX are telling me they have no record of this mortgage and need evidence of the payoff. Right now I'm out about {$7000.00} dollars because of this error and it doesn't seem like Chase who bought that account is trying very hard to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
USBANK Account number : XXXX I have a mortgage with USBANK and due to COVID-19 my income has been reduced by XXXX XXXX from XXXX a month to XXXX a month. With this reduction My monthly debt is still under XXXX XXXX I had to get some things off of my credit report that was because of stolen identity but thats another story. So, I contacted USBANK to let them know that I have been affected by COVID 19 and that I need to get a loan modification for my monthly payment which is {$1700.00} a month, and I need that cut in half due to COVID-19. 

I contacted USBANK on XX/XX/2021, via USBANK website my portal access. On their website it states that if you need help click mortgage assistance so I did ( note this put me in a situation where I could not pay my mortgage for XXXX ) and they asked me to upload required documents ( business tax return, XXXX Statement and Request for mortgage assistance form ( RMA ) and I did. 

After doing all of that I got denied. I have had this mortgage for over 5 years and this is how they treated me. I have more than enough equity in my home and Im not late on the payments. 

I received a call from a USBANK rep telling me that I was denied. But, that is not helping me with this COVID-19 situation. I need a lower rate with no pmi, I am interested in a monthly payment of {$900.00} a month THAT would be the help that I need. 

I got excuses from USBANK, " saying my debt to income ratio was over XXXX XXXX but this is not true because my wife who is a teacher can help with other monthly bills. I need help due to COVID-19. Can the Cfpb help 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 2021-04-07
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: JPMORGAN CHASE & CO.
State: MA
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:
XXXX XXXX Bank Information - Preauthorized Checks - JPMorgan Chase, {$81.00}. This information has not been provided to the CFPB, shows actual copies of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the XX/XX/XXXX early afternoon PST, I was swamped with around 2000 emails, 999 to my inbox and the balance in junk mail. Whilst deleting those emails I came across one from Bank of America notifying me of a transfer of {$7000.00} from my business account to another BOA customer. I immediately rang BOA and the full story is attached below. While the event has been resolved and the {$7000.00} returned I was appalled by the treatment and complete disregard for the safety of my other accounts that could easily have been compromised during this period.

The only credible assistance offered was by the fraud investigator XXXX XXXX XXXX of BOA, however this was not until after 30 days had elapsed.

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 2020-01-30
Company: Experian Information Solutions Inc.
State: PA
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:
Experian Consumer Services on XX/XX/19 -XX/XX/19 XX/XX/19 shows and I have not applied or requested any services from Experian Consumer Services. I need Experian TO STOP I OPT OUT OF ALL Promotion products and services. I have not requested and need Experian to stop with there services I have not applied for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: The Law Offices of Jennifer McCoy, PC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2021 I was alerted that I had an update to my credit report. When I checked it, an account from The Law Offices of Jennifer McCoy had been added to collections which resulted in my score decreasing by twenty points. On XXXX XXXX I wrote The Law Offices of Jennifer McCoy asking for the original contract to be certified mailed to me, showing that I, the consumer, owes The Law Offices of Jennifer McCoy a debt. I then receive a letter dated XXXX XXXX from the law firm, which was not enclosed with the contract that I had requested, but enclosed with a statement. Shortly after, the account was removed and my score went by to the original score, raising it twenty points. 
My complaint is : due to Law Offices of Jennifer McCoy, my reputation has been compromised. According to FCRA 15 USC 1681 ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Also 15 USC Code ss 1681 o-Civil liability for negligent noncompliance ( a ) Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to ay consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure. 
I asked the law office to provide me with a copy of the certified original contract, which she did not do. Due to the law offices negligence, my score went down twenty points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received my monthly mortgage statement from Citizens One Home Loans that I have been paying for on time for the > 7 years. On this month 's billing statement was a line item that said " Borrower Recoverable '' {$800.00} I received no other correspondence from the company explaining what this was for. I called XXXX and the customer service department said it says Bankruptcy Attorney Fees. I said for what, I did file for a Ch XXXX reorganization in XX/XX/XXXX but I didn't include this mortgage in the Bankruptcy and my Petition states this home and mortgage would be retained by me and paid my me monthly to the bank as always. 

They said we don't know let us connect you to the Bankruptcy Department, so they did and I spoke to XXXX told me since you filed a BK we had to review it, I said ok, and you seen this mortgage wasn't included and I've been continuing to pay it on time as always no interruption. He said sorry mam that's our fee. I asked to speak to his manger and XXXX said she's not in, I asked for her name and number and he said sorry we don't give that information out. And he suggested I call my own attorney and have him call them if I'm not satisfied with his answer basically it is what it is?? His attitude was like you filed bankruptcy these are your consequences?? 

I said this just doesn't seem fair? Sorry mam that's all I can tell you. So its ok for a misc {$800.00} fee to be added to your monthly mortgage invoice? and I get a vague answer and this loan wasn't even part of the Ch XXXX reorganization? 

I wasn't sent any other notification telling me about this practice from Citizens One Home Loans and my 2 other Mortgage Companies didn't do this?? 

I had to file for Ch XXXX because my husband hasn't worked in 5 years due to illness and I have XXXX children and I couldn't keep up with all our monthly bills, I needed relief and for them to slap me with this additional {$800.00} when I never stopped paying them is just absurd? 

Can you please contact them about the legitimacy of this recoverable? And their lack of proper notice to me about it? I'm am still in financial hardship and for them to pass this attorney fee onto me is just unfair. 

Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I made a {$600.00} payment online to my XXXX XXXX card held by Synchrony Bank. I received a confirmation number. The website posted my updated balance and payment a few days later. On XX/XX/XXXX I get an email from Synchrony bank saying I had a letter to review about my account. I open it and to my surprise the payment has reversed. The account is NOW XXXX over what I was previously given in credit! 

Synchrony Bank said their records show I did not authorize the payment ... 30 days later! This is absurd ; and I have no money in my account ; but my bank does not show that they EVER went in to get the payment ; is this a scheme to make more in interest? I am trying to pay this off before retirement in 2 years! I won't have that type of disposable income anymore. I am perplexed. I don't know how this could have happened. My credit union shows NO transaction going out for that amount ; but if I use my card and press accept ; it should go forward ... right? No one can tell me what happened and I am frustrated and I am the little guy ; I should not be penalized ; my spending limit was reduced ; my credit score was reduced and my credibility has been reduced., please help!

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 2018-06-29
Company: DISCOVER BANK
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:
I reviewed my Credit Report by XXXX and noticed a 30 day late payment on my Discover Card account from XX/XX/XXXX - XX/XX/XXXX. In XX/XX/XXXX I entered into a Credit Counseling program which was approved by Discover Card. All payments since entering into the program have been paid as agreed. I submitted a Dispute with XXXX on XX/XX/XXXX and it was completed on XX/XX/XXXX. While there was an update on my account, the 5 months of delinquency were not removed from the account. I contacted Discover on XX/XX/XXXX and was told that the account had a missed payment in the transition period XX/XX/XXXX and I did not become current until XX/XX/XXXX. While I can understand a one month penalty for XX/XX/XXXX missed payment, I believe Discover Card should clear my record to accurately reflect that I have paid on time as required for XX/XX/XXXX - XX/XX/XXXX since entering the program. No other credit card company reported any delinquency on any of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I called US Bank through their XXXX ( XXXX ) XXXX number oXX/XX/XXXX XXXX XXXX to inquire for information on how to close my checking account since I already moved to Florida and there's no ATM or branch here. I spoke with a male banker who told me he can do it over the phone. I told him I was just asking for information since I thought there are paperworks that I need to write or mail. I told the banker my salary will be credited to that checking account on XX/XX/XXXX so I have to call them back after 2 days so I can receive my salary from my company before I close my checking account with them. The banker agreed and we ended the call. I went on with my evening and about XXXX XXXX, I opened my US Bank app on my phone just to check my balance, I noticed that my checking account is no longer showing on the app, only the savings and credit accounts, so I called their customer service number again at XXXX XXXX and spoke with a female banker who told me it's showing on her system that my checking account was already closed. I told her I did not give the previous banker the authority or never confirmed over the phone that I agreed I'm closing my checking account on that call. She said she will write an email to the banker 's manager and she will ask the manager to call me within 24 hrs. Since nobody called me after 12 hrs, I called their customer service number again at XXXX XXXX  XX/XX/XXXX and spoke with another banker who told me the best that they can do with the pending credit to my checking account ( our salary will be credited on XX/XX/XXXX ) is return the credit to my employer after 2 business days since they can no longer open my closed checking account. I told her you should do something since I did not authorize the closure of my checking account but she answered that's the best that they can do - return the money to my employer and wait until my employer send it to me to Florida through check. I told her it would take some time since my employer 's corporate office is in Minnesota and I have to go through all the trouble of answering to my creditors as well as my rent which is due this Friday. She answered me that's the best that they can do so I told her I will be filing a complaint at the bank 's regulatory boards since their own banker closed my checking account without my confirmation over the phone and I am left here to deal with my creditors and my landlord since I don't have cash on my checking account.

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