BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-05
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I disputed a {$290.00} charge from XXXX XXXX with AMEX twice ( Ref Nos : XXXX and XXXX ) but AMEX never understood my questions. Here is the situation : we are XXXX XXXX card holders and we stayed at XXXX XXXX between XX/XX/XXXX to XX/XX/XXXX. Upon checking in, we provided our credit card for possible incidental charges and requested if an upgrade is available. We were given the upgrade and we know, as a benefit of XXXX card owner, the upgrade is free if available. Obviously, it is available. When checking out, no one asked us to sign any credit card slip. We found out later we were charged {$290.00} for the requested upgrade so we disputed the charge. So far, no one from AMEX even address our real concerns : 1 ) why were we charged for the available upgrade when it is part of the benefit ; and 2 ) we never authorized such charges and we never signed the credit card slip for this charge. I am hoping to get some answers since in those two disputes I mentioned, XXXX XXXX simply presented some internal record and a copy of UNSIGNED credit card slip. I hope AMEX can finally understand my questions and address them directly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-26
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off my auto loan with Santander on XX/XX/2019 after 29 months of payment. My payment was a weekly payroll deduction. Upon paying off my loan Santander reported me late for the month of XXXX. I am attaching payment history that shows my weekly payment history for the past few months and proves that I was not late in XXXX. I would like the rating changed immediately as I am in the process of buying a home and this is severely affecting my ability to qualify for the loan. 

XXXX XXXX refuses to confirm balance information that they sent me with the credit Bureaus and they are reporting that I have 2 accounts with them. I only have 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by Jefferson Capital Systems. They informed me that i had a debt in collections from XXXX. I only have one XXXX account and it is in good standing with the company. ( i called XXXX to confirm ) Jefferson Capital Systems offered me a 30 % discount to pay my balance off. They frequently call and have sent a certified letter in the mail. XXXX has confirmed that I do only have one account with my social security number and noted on my account that there was a phishing attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: EQUIFAX, 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:
In compliance with the submission of this complaint, I have listed the dates and so forth as instructed. On XX/XX/XXXX I paid USPS a fee of {$18.00} and sent a signed, notarized certified letter with an Identity Theft Affidavit to Equifax and XXXX regarding a fraudulent account on my credit reports. 

I received notification that Equifax and XXXX received my notarized certified letter with its contents on XX/XX/XXXX. In compliance and understanding with the Fair Credit Reporting Act, Section 611, the credit bureaus have 30 days to investigate and remove, block the fraudulent account in question that is being disputed. 

On XX/XX/XXXX I paid my credit monitoring website, XXXX a fee of {$24.00} to refresh and review my credit reports. I became aware that the fraudulent accounts have not been removed and on XX/XX/XXXX and the accounts are STILL on my credit report causing a health risk and strain on my person. 

It is now XX/XX/XXXX and giving the credit bureaus extra time from the holiday season to process my request to remove the fraudulent accounts STILL have NOT been removed from my credit report and causing an additional health hardship on me and my family because of this. I am enlisting the Consumer Financial Protection Bureau for assistance in this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: EQUIFAX, INC.
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:
I did not authorize these inquiries to my credit report XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have submitted all the documents for a foreclosure alternative, we have submitted completed packages to mr cooper multiple times, trying to do the right thing and they keep stating that they do not have a complete file, when I have copies of all documents sent, my home have equity in it, I am feeling like the bank is attempting to keep my built up equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I sent all three credit bureaus the correct information and they refused to change it back my address I sent in letters and no results since XX/XX/2021 My address is XXXX XXXX XXXX any other address on there shouldnt be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I had gotten XXXX back in the year 2012 and after having problems with the services, I called them to cancel my services with them ; it was off more than it was on. They sent me a box to ship all service equipment back to them and I did just as instructed. The representative informed me that if I return the equipment then I would not owe anything. I had not gotten any statements from XXXX and the only thing I knew was after checking my credit report it was with a collection agency as an open account. I have not used XXXX since 2012 and all equipment was returned back to them. The collection agency AFNI told me that this is an open account and I need to pay it in full or further action will be taken against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: EQUIFAX, INC.
State: MA
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:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
As of XX/XX/XXXX I have 8 XXXX/XXXX  backed student loans placed in default even though I was currently enrolled in College as of XX/XX/XXXX. The loans should have subsequently gone into a deferment status due to my enrollment status of full time. I have tried to dispute these erroneous closed accounts through the credit bureaus with no success. I have included documentation from XXXX XXXX University showing my enrollment date and status, yet I still have these default loans on my credit report. I have been actively rehabbing the erroneously defaulted loans while I have been disputing this issue with the credit bureaus. I have called XXXX XXXX XXXX customer service multiple times, but no one seems to be able to give a roadmap to rectify this issue even though I have verifiable proof. I currently have other federal student loans in deferment due to my college enrollment, I am not sure why this wasn't done for these 8 accounts as well. Furthermore, 2 of these student loans accounts are reporting late payments after the erroneous default date of XX/XX/XXXX. I have enclosed screenshots of my XXXX Credit report showing a late payment reported for XX/XX/XXXX on one account and XX/XX/XXXX on another. These accounts were updated as XX/XX/XXXX with incorrect information on a closed and transferred account. How is it possible to be late on a defaulted, closed and transferred account? This is clearly a violation of the Fair Credit Reporting Act. I have been subjected to undue hardship based on the impact of these erroneous accounts being placed on my Credit Report incorrectly. This issue needs to be corrected immediately so that my family and I can move forward financially. 

Respectfully, 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 2021-09-03
Company: HYUNDAI CAPITAL AMERICA
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:
We received a bill in XXXX forcing us to pay an extra {$830.00} that we was not made aware of as this was not part of our monthly payment obligation when we lease the vehicle in XXXX. As a result of this additional amount has put our account in delinquent status. We have always made our payment since XXXX on time. KIA Finance could not fully explain why we received a bill in XXXX as we did not receive any notice in XXXX or XXXX. This has caused a major headache and impact to our credit rating. When we lease the vehicle in XXXX, no one ever informed us that this would occur.

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 2019-02-06
Company: Pendrick Capital Partners Holding, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently received notice in the mail, about this debt, this would be the first time I HAVE EVER BEEN NOTIFIRED OF THIS DEBT, I WAS SENT A DEBT LETTER WHICH I HAVE ATTACHED, WHICH SHOWS DATE THEY SENT IT TO ME, I AM ASKING HE TO VALIDATE THIS DATE, AS I HAVE NO CONTRACT WITH THEM, THEY INFORMED ME THIS DEBT WAS PURCHASED FROM ANOTHER COMPANY, ON XX/XX/2019, I CONTACTED THE COMPANY AND INFORMED THEM I NEEDED THEM TO VALIDATE THE DEBT AS I HAD NO CONTRACT, SHE GAVE ME AN EMAIL ADDRESS XXXX.SHE INFORMED SHE COULDNT GIVE HER NAME OR VALIDATE THE DEBT, SHE ASKED ME WHO THE PEOPLE WERE ON THE DEBT. THAT MY NAME IS NOT XXXX XXXX AND THIS IS NOT MY DEBT, I AM ON A FIXED INCOME OF {$870.00} THIS DEBT IS CAUSING ME EXTREME STRESS, I AM A XXXX, XXXX, XXXX AND XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC. 

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE. 

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX XXXX CA XXXX Stop foreclosure process on our home immediately. 


1. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2. VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11. NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX  XXXX *XX/XX/2019 * ACCOUNT XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/18, I open the account with a banker at XXXX XXXX XXXX XXXX   WASHINGTON DC XXXX branch, registering a promotion of {$100.00} opening bonus with 10 debit card transaction for receiving the first {$50.00} and the total {$500.00} direct deposit to receive another $ XXXX.On XX/XX/18, the bonus for debit card transaction was posted. On XX/XX/18 and XX/XX/18, there were two payroll deposit into the account and are over {$500.00} in total.However, till now, I do not receive the remaining bonus.

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 2018-07-30
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is collecting a gas company debt that is fraud. Someone opened a gas account in my name. I did was I was supposed to do and filed an ID Theft Affidavit with the three credit bureaus instructing them to block this item from my file and instructing XXXX to perform whatever fraud process was needed on their part. 

The bureaus did absolutely nothing ... and XXXX has done nothing as well. Does the FCRA stand for anything anymore?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: Experian Information Solutions Inc.
State: IL
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 tried to apply for a mortgage loan and the loan officer was not able to get my XXXX  report and shows there is fraud on the account, I called XXXX to see what is going on and I was told there is nothing wrong from their side we tried again and again no luck. 
We ended up getting Experian report that showed some incorrect information that couldn't be disputed online due to fraud. I called Experian to fix the problem of not letting me access my report online to see what is wrong and dispute it I was told that they can't do anything about it, I asked to speak to the supervisor from Experian he said he can't do anything thought I have the right to access my report online just like every single person in this country. all I ask now is Experian unlock my online dispute option so I can look at what is there and dispute accounts that doesn't belong 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 2021-03-04
Company: Velocity Portfolio Group
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is claiming that I owe them {$630.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

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 2021-02-22
Company: AMERICAN EXPRESS COMPANY
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:
American Express, XXXX XXXX XXXX, and XXXX are three companies that are reporting inaccurate information on my credit report. 
I have stated that accounts from these banks were generated because of an identity theft crime. To make my position clear, FTC 's identity theft report and police report were submitted to the credit reporting agencies and to the creditors. 
Also, I requested the following documents to be provided by these creditors to verify accounts ' information. 

1. A written contract and agreement between the creditors and me.

2. Original copy of the application of fraudulent accounts that are being reported on my credit report.

3. A statement from the person who witnessed and approved these accounts to be opened in my name. 

Even though the request was made to review these documents, the creditors basically ignored my demand and continuing to post accounts that are not mine. 

The fraudulent accounts ' information that is being posted on my credit report is, AMEX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX  CARD XXXX For the record, many different names were used to created fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 victim of identity theft. There are fraudulant accounts on my credit profile that needs to be removed immediately. 

Fraudulant Creditors : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Experian Information Solutions Inc.
State: NC
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 XXXX has been reporting since XXXX that I have an open account with them # XXXX which I have never had and they are coding to my credit report as this being a Foreclosure. I am trying to refinance my current mortgage and ca n't because this is on my Experian credit report. XXXX and XXXX credit reports are correct. I have contacted XXXX XXXX XXXX on numerous occasions and Experian and just keep getting a run around, their employees are also very rude when you ask about these fraudulent claims on my credit report. I just ca n't believe XXXX XXXX XXXX and Experian are allowed to put these bogus fraudulent claims on my credit report and have been doing it for years. This should be a crime and they should be punished for taking advantage of their customers. Please help me. 
Thank you, 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 non-monetary relief
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
These accounts are unauthorized and unverifiable and is damaging my overall credit profile.

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 2021-09-03
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: Personal information incorrect

Complaint:
Late payments listed with incorrect info. Sent letter to be removed with updated info wasnt honored.

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 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
All three credit agencies are refusing to clean and remove old accounts and derogatory comments from my credit reports and scores as required by law

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