BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-30
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied for a modification and was denied due to value on home but they did not use the all money owed on mortgage to calculate this claim. I dont believe they are following HAMP guidelines and want a new review done for modification.I also want to know if they used the low value from the appraisal or the high value. They also need to add in all arrearages and lump sums to totals current mortgage before evaluating. Low AVM value was $ 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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
FIELD ( 25 ) FCRA Compliance/Date of First Delinquency - XXXX XXXX is reporting an inaccurate Date of First Delinquency to two major Consumer Reporting Agencies ( XXXX  & transunion ) and XXXX has no date of first Delinquency at all. 

The Date of First Delinquency for XXXX and transunion shows as XXXX XXXX which is inaccurate reporting according to FCRA Compliance. The file is not aging correctly and is affecting my credit scores.The Date of First Delinquency is used by the consumer reporting agencies to determine when delinquent data is to be deleted, pursuant to the Fair Credit Reporting Act ( FCRA ) and Date of the first delinquency with the original creditor that led to the account being sold or placed for collection. The format for XXXX is XXXX and the exact date should have been provided for this account for accuracy. 

Also for the account on the XXXX report XXXXXXXX XXXX XXXX XXXX ( XXXX ) account status shows {$1200.00} past due as of XX/XX/XXXX. I have not been in communication with the collection agency to establish any arrangements to pay therefore a past due amount should not be reflected on this account. 

On the XXXX report for the same account XXXX XXXX XXXX XXXX ( XXXX ) Amount Past Due shows {$1200.00}, as stated above I have not been in with the Collection agency to establish any arrangements, therefore they should not be reporting a past due amount. 

The FCRA states that companies which furnish data to the consumer reporting agencies have a responsibility to provide accurate information and only inaccurately reported accounts should be deleted. In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the day commencement of the delinquency on the action that immediately preceded the action.FCRA 623 ( a ) ( 5 ) ( A ). 

Since XXXX ( XXXX ) was not provided the Date of First Delinquency for the account with XXXX XXXX within 90 days after furnishing the information for this account as required under the Fair Credit Reporting Act FCRA 623 ( a ) ( 5 ) ( A ), the account should be deleted from all three Consumer Reporting Agencies to preserve the integrity of my credit Portfolio and accurate reporting.

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 2021-07-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
fcra not mine : XXXX XXXX - Closed 2 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX XXXX  Account type Secured Loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: AMERICAN EXPRESS COMPANY
State: IN
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 can tell from the reply and closure of my prior complaint that AMEX did NOT read the full complaint. I fully EXPECT a callback, not a slack jaw half attempt to shove off responsibility AGAIN. 
AMEX somehow added another users bank account data into my account, so when I made a payment ( 3 times ) it was coming from their account. This happened a few months ago as well and I Called in time to have AMEX cancel the transaction, delete the account and make things right. I made a payment and it was fine. So thinking AMEX couldn't possibly screw this up AGAIN, I just kept making payments until I noticed the problem with a XXXX payment. on further research, it was found a total of 3 payments were mishandled. 
All AMEX wants to do it claim I added this other person account ( which is impossible without the whole account number which I could only see the last 4 numbers ) rather than accept they must have a flaw in their data. 
Working in XXXX XXXX for nearly 20 years, I am ready to tell my industry about this openly and let them know the only explanation is a data breach. 
Also, long story short, the bank put me in touch with the person that the account belonged to ( since AMEX chat told me this person 's name ... a privacy breach now ) and She is willing to join a lawsuit with me if it comes to that for mishandling her data. 
So shall we resolve this or let the world know? 
Again, I EXPECT a phone call. Final notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX and Equifax fail to provide debt validation, upon reinvestigation debt came back verified again according to Engelhardt V. Gravens ( mo ) 281 SW 715.719.1 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists in which i was not provided any evidence which means no factual investigation took place Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$2700.00}

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 2020-10-30
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Huntington Bank, closed my account after I reported issues about them to YOU. 

Now, I will be evicted, because my SSI check was scheduled to be depositied on the XXXX!!! 

I want them sued, and arrested ASAP!!!!!!!!!!!!

They can not do that to someone in my situation, I have to pay rent!!!!!!!!!!!!!!!!!!!!!!!

SHUT THEM DOWN, AND GET MY SSI CHECK ASAP!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
On XX/XX/22 Amex processed a {$150.00} charge to my account after having downgraded my Blue Cash Preferred card to a Blue Cash Everyday card. Their reasoning The terms and agreements do not specify " clawbacks '' regarding downgrading within the first year. The terms regarding revoking credits is general ( " ... can be revoked at any time '' ), too general to be enforced fairly. The rep was unhelpful in resolving this. Per the same rep, I can not undo this downgrade of my card. 

ticket # : XXXX active with Amex

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: ALLY FINANCIAL 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 status incorrect

Complaint:
XX/XX/XXXXXXXX XXXX  XXXX XXXX from XXXX is on my credit inquiry for 2 different times which I don't understand why I would like to clear this out and remove in which I'm trying to get my credit in good health. I don't even know why its even there.

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 2021-07-16
Company: R & R Collection Service, 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:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with R & R COLL SVC plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$110.00} Amount Disputed : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX Trans union XXXX XXXX Has my account as late never been late. Account # 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 2021-07-16
Company: DISCOVER BANK
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
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: Old information reappears or never goes away

Complaint:
There is an account that is older than 7 years and should NOT be listed as this was when I was married and have been divorced more than 7 years, requesting this be removed ASAP XXXX XXXX XXXX past the statute and stating XXXX XX/XX/2012 is 110 % NOT accurate data

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the charges on my credit report related to the following accounts : XXXX XXXX XXXX Charge Off Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account TD XXXX XXXX XXXX Charge OFF Account XXXX XXXX XXXX Bankruptcy XXXX I understand that these accounts have been charged off or sent to collections, but I strongly believe that these charges are not accurate. Furthermore, I would like to point out that I filed for bankruptcy on XXXX, and as such, these accounts should no longer be on my credit report. 

I am emotionally distressed by the negative impact these charges are having on my credit score, and I am kindly requesting that you investigate these charges and remove them from my credit report. I have been working hard to improve my credit and these inaccuracies are hindering my progress. 

Thank you for your attention to this matter. Please let me know if you require any further information from me. 

Sincerely, 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 2019-06-04
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
Account Name : DISCOVER FIN SVCS LLC Charge : {$1300.00} Date : XX/XX/2016 I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving an account fraudulently opened. Somehow they veried the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed. I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please include all names and contact information of employees that you spoke to as part of this investigation. 
I have sent several times my FTC Identity Theft Report, proof of my identity and a copy of my credit report showing the fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-24
Company: Navient Solutions, LLC.
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:
Navient reported incorrect loan amount on my credit report. I contact the about the loan and disbursement amount and I need received the amount they reported on my credit. On XXXX XXXX, 2017 Navient report Two separate loans in the amount of {$XXXX} and {$XXXX}. This is false and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Self Financial Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hi i had open self credit builder account about 3 yrs ago and was offer a secure credit card with XXXX credit limit which was my money.I later closed the credit builder and kept the secure credit card. I tried canceling this account and it suppose to be linked to a credit builder account but its not and I need my money on this secure account and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The actions I had no choice than to take was back in XXXX because this loan was from back about XXXX maybe XXXX I dont exactly remember how far back I ended up having to file bankruptcy because it had done on my credit report and damaged my credit report I had tried to work things out but they werent really working with me I made phone calls the last phone call I had made to them before I had filed bankruptcy they told me they wanted the full amount in the full amount of the student loan was {$35000.00} roughly so I had no other choice than to file bankruptcy It was paid out through them bankruptcy so it is paid for but that was the only way I can get it taken care of because its ruined my credit and everything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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 is missing that should be on the report

Complaint:
Dispute of Negative Credit Score Due to Late Payment Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute a negative credit score entry on my credit report, specifically related to a late payment that occurred due to a technical issue. I kindly request your assistance in investigating and rectifying this matter. 

Account Information : Creditor : Bank of America Date of Late Payment : XXXX Explanation of the Situation : On the date, I encountered an unexpected technical issue that caused a delay in the processing of my payment to Bank of America I have been a responsible and punctual customer with an otherwise exemplary payment history, as can be seen from my credit report. However, due to this isolated incident, my credit score has been negatively impacted. 

Resolution Attempts : Upon realizing the issue, I immediately contacted the customer support department of Bank of America to explain the situation and rectify the matter. They acknowledged the technical glitch and expressed their apologies for any inconvenience caused. Furthermore, they assured me that the late payment would be adjusted, and the negative impact on my credit score would be reversed. However, despite their assurance, I noticed that the negative entry remains on my credit report. 

Supporting Documentation : To support my claim, I have attached copies of relevant documents, including correspondence with Bank of America regarding the technical issue and their promise to rectify the situation. Additionally, I have included any other relevant documentation related to my account and payment history. 

Request for Investigation and Correction : I kindly request that you conduct a thorough investigation into this matter and make the necessary corrections to my credit report. As an individual committed to maintaining a strong credit history, this negative entry inaccurately reflects my financial responsibility. I trust in the integrity of your bureau to rectify any errors and ensure the accuracy of my credit report. 

Conclusion : I would appreciate your prompt attention to this matter and a timely response regarding the progress of the investigation. Please inform me of the steps taken and provide an estimated timeline for the resolution. If additional information is required from my end, please do not hesitate to contact me. 

Thank you for your understanding and cooperation. I look forward to a swift resolution of this dispute. 

Sincerely, 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 monetary relief
Consumer complaint received 2019-10-28
Company: Bread Financial Holdings, Inc.
State: CT
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: Card was charged for something you did not purchase with the card

Complaint:
I have an XXXX Mastercard with Comenity Bank. I have had multiple charges on my statements that I did not make. When I went to pay my online bill I wondered why my balance was so high and I checked the statement and most recent charges. There were multiple charges made on the account in the XXXX CT area from multiple gas stations. I am unable to list the amounts because I filed a report with comenity bank and they shut down my account and I have paperless billing. The first charge was in XX/XX/2019 and there were three more charges in XX/XX/2019 When I made the complaint they said they had to investigate and said they would not take the charges off of my account. This has happened twice with Comenity bank and in the past they removed the charge. But this time they said they had to investigate it.

Company response to consumer: Closed with non-monetary relief