BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-09
Company: EQUIFAX, INC.
State: TN
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 was charged {$280.00} incorrectly by XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ). I contacted XXXX, and was able to correct the information, and was sent a letter by XXXX XXXX from the XXXX XXXX office on XX/XX/2018. He informed me this was also being sent to all 3 credit reporting agencies, and should be removed in a month 's time. It is still on all 3 credit reports, and I am unable to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: UT
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:
In XXXX of XXXX XXXX XXXX  lost our XXXX Mortgage payment. We were sending them checks via receipt requested certified mail due to our filing chapter XXXX bankruptcy in XX/XX/XXXX. We have proof ( attached ) that the check arrived at XXXX XXXX  but was never processed. When we discovered our payment had not cleared the credit union my wife call XXXX XXXX. They advised us to wait a couple of days and the payment would be credited to the day they received it. After two more days my wife called again. The Supervisor suggested we  cancel the check and send in another check. We sent in XXXX and XXXX payment on the same check. ( attached ) ( Our concern was our Bankruptcy was due to be discharged in XXXX and if we were late on the Mortgage it would void our bankruptcy after 59 of 60 payments to the court ) Attached are  records of correspondence with XXXX XXXX  : 1. 13 phone calls with dates and names of XXXX XXXX  representatives from XX/XX/XXXX to XX/XX/XXXX trying to get this straightened out. 
2. Canceled checks and electronic transfer records showing we have NEVER been late during the time in question. 
3. Copies of credit reports showing XXXX XXXX  has reported us 30 days late on numerous occasions. 
4. Credit report showing XX/XX/XXXX payment was credited on XX/XX/XXXX and still reported 30 days late for XXXX. 

Since our Bankruptcy was discharged we have been unable to purchase a much needed replacement vehicle due to subprime interest rates. XXXX credit score was XXXX now due to incorrect multiple 30 day late reported XXXX. 

As you will see by the attached documentation I hope other XXXX XXXX  customers aren't put through what we have been through. 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 non-monetary relief
Consumer complaint received 2018-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : This is the 4th time that I am contacting the Consumer Finance Protection Bureau regarding my credit issues ; I am extremely grateful to the CFPB to right the wrongs committed by the crooked, militant debt collectors and the lazy, corrupt credit reporting agencies. I hope congress would increase funding for the CFPB and not reduce it as the Trump 's administration has recently done. 

This letter is in reference to a collection account placed by Portfolio Recovery Associates, of XXXX, VA, on my XXXX  credit report. On XX/XX/2018, I sent a letter, via certified mail with return receipt, to the debt collector with no response from the firm at all. The firm chose to ignore my request for specific answers regarding the derogatory account placed by them. 

In light of the above I humbly and kindly request the CFPB to order the above debt collector to eliminate the derogatory from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Experian Information Solutions Inc.
State: CA
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:
Experian is reporting incorrectly collections on the XXXX XXXX XXXX   partial account numbers are listed below. ( For further reference, please see pages 12 and 13 attached from my credit report. ) The company I worked for at the time covered all expenses on medical. I have attached copies of my insurance cards. The company has since close, however they are still responsible to pay these expenses. I was adequately covered by insurance at the time, and these outstanding balances due are not my responsibility. This incorrect reporting of multiple collections is harming my credit score. I have contacted the bureau to remove these line items from my credit report however, I have not been successful. 

Company Name Number Collection Amount XXXX XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXXXXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXXXXXX {$450.00} XXXX XXXX XXXX XXXXXXXX {$460.00}

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 explanation
Consumer complaint received 2019-01-14
Company: Jim Bottin Enterprises, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I joined retro fitness around XX/XX/2017, and after a year I decided to cancel my membership due to health issues. 

I sent two certified letters to XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. On XX/XX/XXXX I sent the first letter requesting for my membership to be canceled. I sent a follow up letter in XXXX because I saw that my membership was still active. 

Each and everytime I called the branch I was told that my membership was no longer active. 

Now I have a collection account on my credit reports for {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 spoke to all three credit bureaus via phone. I was told that XXXX would be the ones that will need to make the appropriate changes made to update my FICO score. I did receive a response back from XXXX and they stated it is up to the credit bureaus to update my FICO score to reflect all payments that have been made towards my VA loan with XXXX. 

I am asking for my FICO score to be updated to reflect all payments that have been made towards my VA loan. 

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 explanation
Consumer complaint received 2018-06-14
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: Old information reappears or never goes away

Complaint:
Equifax credit information services. Inc. Reporting an account by XXXX for {$2000.00} as open. Account has also been removed but re appeared on XX/XX/XXXX. Account has been disputed before by agency and removed in XX/XX/XXXX. Equifax added the amount and reaged without informing consumers. This is against best practices. Letter was sent to Equifax to remove account as it was recorded inaccurately account was then removed by Equifax. Then opened and added on!. Several letters has been sent to Equifax with no responses. 
Then information was removed from credit reporting. The ADDED back as new account in XXXX See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNTS. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 non-monetary relief
Consumer complaint received 2018-02-24
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX  placed a wage garnish on my salary without appropriately letting me know. This account has passed the statute of limitations. XXXX XXXX  has responded to my complaint and none of what they addressed in their letter makes any sense. I want to take escalated action against this credit card company as they now responded with information that does not pertain to me. I never had an account of any kind with XXXX XXXX  or XXXX XXXX. They have also indicated that they have not perused any action against me to repay anything. I strongly believe that I have been fraudulently scammed and my identity compromised.I am demanding that any draconian unlawful action taken against me be immediately dropped and the wages unlawfully taken from me be immediate reimbursed. XXXX XXXX is known for falsely and unlawfully making claims against clients. They were in the past involved in a lawsuit according to this accusation. Without further adieu all claims of a wage garnish need to be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: MN
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:
***PENDING LITIGATION*** I have supplied Experian with all the evidence previously by disputes through the CFPB and disputes through the mail about why the bankruptcy against me is inaccurate and unverifiable. I sent all the evidence to Experian 's legal team more than thirty days ago and still haven't received a response back. Experian 's willful neligence is not a good look. My lawyer is ready to file in court if we can't get the issue resolved.

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 2020-05-11
Company: STERLING JEWELERS, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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 opened an with Kay Jewelers on XX/XX/XXXX with a limit of {$750.00}. The account was paid off and closed at my request in XXXX of XXXX. On XX/XX/XXXX at approximately XXXX @ XXXX  XXXX XXXX  in XXXX XXXX South Carolina I went in and opened another account. The manager of that store also told me that I no longer had an account and I would have to re-apply. I reapplied and received a limit this time of {$1000.00}. I spent {$560.00}. XXXX of the {$1000.00}. The first mistake is XXXX never sent me a bill to make my first payment. The second mistake is that I went into the XXXX @ XXXX XXXX in XXXX XXXX Maryland on XX/XX/XXXX and bought {$200.00} dollars worth of jewelry and then got a bill from two different credit card company saying that they were kay jewelers which was XXXX XXXX, and XXXX XXXX XXXX. When calling both companies, I was told that I had to pay them both, but it was impossible because I used the XXXX account # that XXXX XXXX   gave. So I disputed, there was no previous XXXX account on my credit report and according to XXXX XXXX, all in store cards were sold, and didn't report and mine was a in store card and a account that had been paid off and closed out before. As soon as I made noise and disputed with both companies, no one knew what I was speaking account so I reported both accounts as fraud. I have no problem paying what I owe but will only pay what I owe. A supervisor from kay jewelers called and let me know that they would start and investigation in to the account andn let me know the account but in the mean time, halt everything, so I haled payments. The other company told me the same thing. XXXX swears this account was opened i XXXX of XXXX, when it was opened in XXXX of XXXX, they are reporting 10 missed payments, and XXXX  is reporting 5 missed payments, I never missed anything becuase no one could figure out what was going on, it was XXXX XXXX issue putting me on 2 different accounts, not mine, This issue went on for months, and we finallly resolved it with XXXX XXXX and paid what was past due. But instead of taking the lates off because of the fraud issue as they prmised, they put more on there and decreased my limit to XXXX. My credit is important to me, and these lates are bring my score down drastically because they had 2 finance companies and though no one would figure it out. I need the late pays for both companies taken off of my report please.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XXXX XXXX, I saw and adverstisment from HSBC for opening an HSBC Premier Checking and get Up To {$700.00} Bonus payable at 3 % of the direct deposit up to XXXX each month for 6 months. 
I then clicked on the promotion page, and I applied with application ID : HSBC Bank USA, N.A.  account application Application ID XXXX I received this : Were writing to let you know your application for a new HSBC Premier checking account was declined because were unable to verify credit references ( XXXX XXXX ). 
I then contacted the bank. I was told to unfreeze my account, and they will fix it. I was told that I would be eligible for the promotion as long as I meet the requirement. 
I then follow the same instruction and link after removing freeze from my account. With the customer service help, I got a new application ID : New HSBC Bank USA, N.A. account application Application ID XXXX. 
After 4 days, I received an email with : Welcome to HSBC Bank USA, N.A. Your online application to open a new HSBC Premier checking account has been approved. 
I call the bank on XX/XX/XXXX, XXXX XXXX  OUT ( XXXX ) XXXX. They confirmed my application and promotion. I waited for the time frame required to get the promotion, and I didn't see it. I call the bank on XX/XX/XXXX, XXXX XXXX  OUT ( XXXX ) XXXX. I asked why I have not received my bonus offer. The customer service rep told me that he looked at my account, and usually, I should have received it in the 4th months after opening my account, but he will submit a ticket. I called today, and I was told that after reviewing the account. I am not getting paid base on the bank internal policy. this is outrageous because I follow all instructions, and I had customer service help me with the application. I was also told multiple times that I was eligible, and I need to wait. Now I am told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
XX/XX/2011 I had 2 cd accts I used to have a cashiers check made to XXXX XXXX and XXXX in the amount of XXXX XXXX. since then i was made aware that the funds were never signed or cashed, nor applied to my house. i have proved to 5th 3rd that I had those funds and the agent from the bank all but called me a liar. I told her what I had and it as recently they admitted i had put the overage of the cashiers check into my checking account. I have not been with that bank in years and also the branch I got the check from doesn't exist because of the new bank that was built. I received absolutely no help from the customer service people and the VP office I made complaints to. I filed a complaint with the consumer 's protection site and the bank responded to me and not to them. No one from the VP office except one lady has called and sent me some paperwork. All she sends is information on my checking account. The bank has no copy of the check, i got no receipt, no one has signed or cashed the check. My husband will attest to the existence of the check, if he had cashed it he would not come home. XXXX states they never received the check. There was an employee of XXXX that heard my husband state he took the check to the XXXX XXXX, so did husbands girlfriend. 
I am/was working with XXXX XXXX at 5th 3rd who was rude, and various people that managed to be promoted or whatever. I am XXXX years old partially XXXX but trying to work and that money is missing and is all i have to show for working all my life I now have proof, thru XXXX XXXX, a paper XXXX XXXX sent about the other XXXX XXXX put into my checking account and a notarized letter from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Colony Brands, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about XX/XX/2015 XXXX XXXX reported a debt of XXXX $ that I've never used nor received or did I have a credit card with, on my credit report. Not do I have a letter or receipts or any such contract with. I only learned of this by reviewing my credit report recently. How may have this resolved without paying a debt I never accumulated?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 been the victim of ongoing ID THEFT and have a few fraud accounts as well as other info reporting on my TRANSUNION credit report. I have sent in supporting documents as well as other info in support of this. I am aware my file is begin handled by the specialized fraud team within TRANSUNION. the following is fraud and please needs to be blocked or removed. Thank You. 
1.XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX 2.XXXX XXXX XXXX Inquiry : XX/XX/XXXX 3.XXXX Inquiry : XX/XX/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 2018-06-14
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After Hurricane Irma hit Florida, my mortgage servicer Home Point Financial offered me a three month deferment on my loan to allow me to ensure sufficient finances were available for any home repairs that were needed. This period covered my XXXX - XXXX payments. In XXXX, I was contacted with an offer to roll up the three payments in deferment into a loan modification which I accepted. The terms were I would make three trial payments covering the XXXX - XX/XX/2018 payment, then a loan modification would be put in place. I made each payment. In XXXX I was told I had been successful and the process began. In XXXX Home Point Financial accidentally reported me three months past due and while they fixed it, the resulting error led to several of my credit cards dropping my balance by a total of approximately {$8000.00}. In XXXX I was sent and returned the loan modification documents and this was accepted. Then in XXXX my loan was transferred from between two Home Point Financial related company 's and in the process, one of my previous payments from XXXX - XXXX was removed from my loan modification profile meaning as of XX/XX/XXXX, instead of being up to date on payments, I'm now showing a month behind. I spoke to a Loan Modification Officer at the beginning of XXXX who told me not to worry and it would be addressed. Furthermore, on XX/XX/XXXX, an unauthorized attempt to debt my account occurred leading to fees being assessed on my Home Point Financial Loan. I called into Home Point Financial on XX/XX/XXXX and was told I had authorized the debt for the payment which I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNTS. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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