BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have reached out numerous times to Experian to have XXXX XXXX XXXXXXXX XXXX XXXX XXXX removed from my report, to no avail. XXXX and XXXX have removed the address. I live in the state of XXXX  and have provided my updated address information. I am not at that address and would like to prevent identity theft with credit card offers & etc. still going to that address. I have reached out to the creditors as advised and the supervisors they can't update my address on closed accounts. I contacted the creditors for the open accounts and they have been updated with my XXXX  address with the creditors.

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 2021-09-08
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I have yet to receive my remaining escrow balance after closing on XX/XX/2020. The balance in question is XXXX. I think this company should be investigated for not paying out escrows to customers since I havent received mine and had to call them to have them send again.

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 2019-02-08
Company: Experian Information Solutions Inc.
State: MO
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:
Creditor is reporting a different date of bankruptcy than the original date. XX/XX/2012 2012

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax advised me ( through CFPB via my 1st complaint ) that they had finished checking my credit report and had sent me an updated report on XX/XX/21. It's been almost 3 months and I've still not received anything from them. Additional requests to Equifax for my credit report brought no results either. They lied to CFPB in their " Company 's Response '', and they have not responded to my further requests at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions 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 and Experian are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Caliber Home loans has failed to send my Homeowners Insurance Policy payment in a timely fashion, the payment was due on XX/XX/XXXX and set to expire on that date if no payment has been made. Caliber claims that they sent the check to XXXX on XX/XX/XXXX. Today on XX/XX/XXXX XXXX still has not received the payment from Caliber. XXXX has repeatedly stated that there is a 30 day turn around for policy payment applications that are part of a bulk amount from a mortgage company. Caliber Home loans admittedly was aware of this policy and claimed they were never billed directly by XXXX and therefore never made the payment. XXXX XXXX ( XXXX : XXXX Phone # : XXXX ) a Caliber home loans employee refused to connect me with upper management, refused to issue another check to the insurance company and refused to resolve my call on the line. Because there is water in my basement and XXXX wont process my claim until the payment is received I am stuck. XXXX refused to help me any further and told me to simply wait until XXXX got the payment. When I stated this was not sufficient she told me I could get a manager call back within 2 business days. As my situation is not one that can wait I told her that I needed to speak to someone today, she refused eventually disconnecting my conference call with her and the insurance company. She consistently placed blame on the insurance company and took no responsibility on behalf of Caliber for them allowing less than 5 business days for the check to reach XXXX and be applied before the expiration date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2019 I attended a XXXX timeshare presentation with my girlfriend XXXX XXXX. We finally agreed to the purchase with the understanding that there was zero deposit down. On or about XX/XX/2019 I received a letter in the mail from Comenity stating I had been approved for a line of credit. I had no idea what this was for. I called Comenity about the letter I received from them and they said that {$5300.00} was charged for a down payment for a XXXX timeshare. Also, A couple days later I was notified by XXXX XXXX that my credit score had been lowered. 

I specifically told our salesperson and her manager that I did not want any kind of credit card or credit account and never authorized her to apply for any credit card or credit account. I personally never applied for or gave any representative authorization to apply for a Comenity Bank XXXX XXXX Credit Account. 



I was not aware of a Comenity XXXX XXXX XXXX Account until I received the letter from Comenity stating that I had been approved for a line of credit and then called them to ask them what this was for. Because someone applied for this credit account and charged {$5300.00} to it without my knowledge or consent, I filed a Statement of Fraud with Comenity Bank and asked for a copy of the application that I would have filled out if I had agreed to apply for this line of credit. Comenity Bank could not and would not produce it and they told me I needed a subpoena to get a copy of my application. I never filled out an application nor did I give my consent or acknowledgment for this credit account that XXXX charged {$5300.00} to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Upstart Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX upstart financial ran a unauthorized hard credit check, they did without my permission and told me I signed the authorization which I did not

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Credit Bureaus reporting inaccurate information on accounts. Disputed these items before but still have no accurate verification of the information that's being reported on closed accounts. 

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 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
I would to file a complaint regarding a dispute issue that I have with Bank of America. I have a initiated a dispute with BOA after I had attempted in good faith to resolve the issue directly with the merchant. The merchant promised a refund on different occasions, yet, no credit was issued to my BOA credit card. 
I have paid for this transaction by other means and I have provided BOA with all relevant documents to proof my case. BOA dispute department ignored all the documents and did follow up with me about this dispute. Below are the information to lock up the dispute case. 
Case # XXXX Case # 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 2020-08-28
Company: CITIBANK, N.A.
State: AZ
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:
DSNB Macy 's is reporting a charged off account on my credit report for an authorized user account. I was not liable for this account and I demand it gets removed. I have sent credit bureau dispute letters and they are still reporting it on XXXX XXXX and XXXX. XXXX has corrected it. Thank you, 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 2018-03-27
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
During my XXXX I was insured by medicaid. I was under the impression that medicaid would cover all cost. When i called the collection agency they mentioned to me that this debt could have been from the XXXX/XXXX that was given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
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:
I had issues in XXXX and XXXX making my payment with XXXX XXXX XXXX. Due to this issue I had a payment returned. I reached out to the manager to express my wanting to keep my credit with the company good, but needed help due to my payment complications. She advised me of a modification that can be done as long as I make the modification that day. And my credit history wouldn't be effected. I did and asked was there anything else due. Per the email attached, they told me no. Over the next two days I got a email stating my account was 30 days late. I reached out to the office and they stated that they couldn't do anything, even though I was given false info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: TRANSWORLD SYSTEMS INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Collections constantly calls ( XXXX ) XXXX attempting to collect a debt from someone named XXXX XXXX. We have told them repeatedly that no XXXX XXXX at this address or phone number. We have been told repeatedly they would remove our phone # from their database, but they have called 3 times JUST THIS WEEK. This has been our phone # for 7 months and we have received no less than 2 dozen calls from this company no matter how many times we tell them we do not know XXXX XXXX or how many times they tell us they will stop calling us, they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is with Suntrsut Bank. I am 14 months into an active Chapter XXXX. The mortgage lies outside the Chapter XXXX plan. I had made payments in full, ont time. In XXXX of 2019, the payment went up by almost {$500.00} per month. I feel this is egregious to anyone, let alone someone in my position. I had an initial conversation with the mortgage team at Suntrust who told me they could work on a modification plan with me. My attorney sent them the documentation giving permission for them to do this on two occasions. I never heard back. I was given an email alias only by the mortgage team to communicate with the Bankruptcy team. Several emails went unanswered. I have heard nothing back to this point. 

It seems this is being done by design.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
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 am writing today in wish to receive your help. At the present time I am working on going over my credit, paying down my balances, and working toward greater credit worthiness. You play a very important role in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX and XXXX ) on XX/XX/2017 and I am writing this to have this remark retracted. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: National Credit Services, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Upon review of my credit report in XX/XX/2019 it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by the separate collection agencies, one being National Credit Services. I sent a original certified and notarized letter requesting validity on the alleged debt on XX/XX/2019 to National Credit Services, and requested items be deleted per my report if validity not received in the allowed time frame. I have not received a response letter in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a former customer of TD Bank and filed a fraud dispute for two transactions : XXXX XXXX on XX/XX/XXXX for {$410.00} XXXX XXXX on XX/XX/XXXX for {$400.00} These were unknown and unauthorized charges. I called and filed a dispute for both to find out today neither were ever entered or filed. Since then I have closed my account. This is very disheartening as TD Bank has allowed someone to get away with fraud. 

My SSN is XXXX ... XXXX ... XXXX. I no longer know my account number. My DOB is XX/XX/XXXX. My address is on the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit report has been perfect for over 10 years. Out of no where I got 2 collections : Opened XX/XX/XXXX ( 3 mos ) by XXXX  Amount : {$74.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX +++ Opened XX/XX/XXXX ( 4 mos ) by XXXX  {$62.00} XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX I always paid on-time in-full and cancelled or stopped the service promptly. There is no reason why this should have occurred. Someone fraudulently just reported these charges or the Company did not close out my account properly.

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 2021-09-08
Company: DISCOVER BANK
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 have these accounts that are not mine and i want them to be removed. 

1. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 


2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My account was hacked and money was taken out causing my account to overdraft

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 2019-02-08
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AMCA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
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:
fraudulent accounts still appear on my report after submitting ftc report. XXXX XXXX for all three and XXXX  XXXX XXXX on equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: EQUIFAX, 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:
The reason for my complaint is I had an open credit account with a store named XXXX XXXX via XXXX XXXX that account was always in good standing and as of XXXX XXXX 2017 my credit score with equifax was XXXX and it was over XXXX with XXXX. What happened was that XXXX closed my account due to XXXX going out of business not because I did anything wrong with my credit line. Subsequently what happened was my numbers dropped 48 points for something that was out of my control. It hurt me because I am currently attempting to acquire a home. I have sent those agencies emails in regards but I have not heard anything back from anyone to fix my numbers to where they were.

Company response to consumer: Closed with explanation