BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-27
Company: SYNCHRONY FINANCIAL
State: WA
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 had an account that i payed on time every month but they are showing 2 late payments on my credit report. I have tried correcting this issue with the company and the credit bureaus but had no success.

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 2021-08-17
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is a follow-up to Complaint Number XXXX. 

Wells Fargo has again charged my checking account with an unauthorized telephone transfer of {$640.00}. I have written them another letter asking them to continue to investigate my previous complaint and to let them know that another fraudulent incident occurred on XX/XX/. This was the unauthorized withdrawal of {$640.00} from my checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem getting your free annual credit report

Complaint:
Im having a hard time getting my free credit report from transunion they say they cant verify if its me but wen i go on line put all my infirmation im aproved to get my credit report if i pay i dont have a past address do to incarceration i wrote them an sent them every every address i could remember no reply i need my credit report i believe someone is using my idenity i explaind to them nothing.

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 2020-07-03
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: Information belongs to someone else

Complaint:
To whom it may concern ; I check my credit and notice some fraud accounts on my credit that I did not Authorize. I have no Knowledge or have I open any of these Accounts This is fraud, and I want to put a fraud Alert on my credit so that this will not happen 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 2020-08-22
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have learned that American Express arbitrarily decided to cut my credit limit in half on XX/XX/XXXX and lower it from $ XXXX to $ XXXX, which brought me extremely close to maxing out the account instead of being at about 45 % usage. 
I contacted AmEx and was informed this is due to " information they received from a credit bureau '', specifically XXXX. They said this was due to changes in using my credit cards and change in credit score. 
I have immediately checked my credit scores and reports and my credit score has been steadily increasing for months and currently is XXXX on both XXXX  and XXXX  report. 
The only card I've used for months now is AmEx so that is the only change in credit card usage I've had in several months. 
American Express also has NOT reported anything from my account to XXXX or XXXX  since XX/XX/2020, yet claim they made their decision based on " responsible lender '' information. If this is what they call responsible, I must buy a new dictionary. 
I've had an account with AmEx for about 9 or 10 years, with this same credit card. 
Cutting my limit in half during a pandemic is, I believe, if not illegal, then immoral, as no data on any of my credit reports justifies the decrease. 
My payment history is 100 % and XXXX credit score shows in every way possible that I am a responsible credit card owner. 
With a salary of {$75000.00} per year, I am not sure what else do these credit card companies require for us to be left in peace to use credit cards, they make money from! 
I've always been taught that high credit score, decent salary, no-blemish credit payment history is what someone would want from a credit card holder, but I guess after 10 years, in a pandemic, they decided they would start these new practices. 
I want to warn every person who has a credit card with AmEx that this is something that can happen out of the blue no matter how good of a customer you are. 
I've immediately paid off this card and am now in the process of closing my account, I do not need to make any money to a company like this, but I do think it's my responsibility to report this type of absolutely disgusting behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was in and out of hospital in XXXX XXXX due to XXXX XXXX XXXX. In that time my wells Fargo account, which I had set up for autopay in XXXX, something you can't can't unless your account is on track, and when they double dinged me for payment it messed up the autopay. The computer algorithm decided this fate for me, not a human. Then I ended up hospitalized with XXXX issues affecting my XXXX and XXXX. Emerging from this haze I'm working on getting everything back together and Wells Fargo is the only vendor who will not work with me. Everytime I call I'm told the supervisors are in a meeting and to leave a voice mail but I never get my call returned ...

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 2019-08-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
For over one year now I have been asking Rushmore loan management services to reappraise my house so that I can avoid PMI. I have asked Rushmore loan to arrange their home appraise and Ill pay the cost - they have time and again refused to appraise my house- they have never given me any legal reason as to why they are not appraising my house in Arizona XXXX this communication started in XXXX and this is XXXX XXXX. I believe my house value has significantly increased in past couple of years and LTV ratio is way better than threshold of 70 % This company is fraud and deliberately denying my right to reevaluate through appraisal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
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 a victim of identity theft I notified equifax numerous times I circled items in my report that were fraud sent them identity theft police report and was told by the fcra 605b that they are required by federal law to remove these items and equifax refuses to remove items, I have tried for over 3 years to get said items removed and they are refusing to do so, they have cost me homes mortgages loan, jobs, and credit cards because of inaccurately reporting these items on my file. I have done what I was told to do and equifax refuses to cooperate and I am filing a complaint with you to force them to cooperate with the law. I will file complaint after complaint until items I circled are removed. And I also will be bringing them to court in regards if it they are not removed for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: JPMORGAN CHASE & CO.
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:
Chase card services reported the card charged off as of XX/XX/XXXX. In XX/XX/XXXX, I signed up for repayment plan, however the company was still reporting late payments to my credit report. I sent a letter of debt verification and never received validation, the company continues to report late payments at 120 days late even though the card has been charged off and closed since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
State: SC
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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

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 2020-08-24
Company: AMERICAN EXPRESS COMPANY
State: DE
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 XX/XX/XXXX, I first contacted the credit bureaus regarding a dispute with creditor, American Express. While reviewing my credit reports, i noticed that American Express has been re aging debt so they would appear as active. They are reporting these accounts as new, changing the date of last activity, reporting late payments on a charged off account. I recently wrote to the credit bureaus to ask for validation of the debt and how was this debt verified. American Express when receiving my disputes update the same accounts by changing the dates, so they can continue to report them as new, which hurts my credit score tremendously. 

They are re aging these accounts which have been charged off. One account they are reporting activity in XXXX and these account was charged off in XXXX. 

American Express refuses to delete the accounts from my credit reports. They have violated the law and have not provided any validity to this debt. They only say its been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I have had an existing account with Bank of America for over 10 years that my mother opened for me as a student account when I was in college. I am engaged to be married so I opened a new account just in my name with Bank of America on XX/XX/XXXX and deposited my paycheck into the account via the bank 's mobile application on XX/XX/XXXX. That check cleared my employer 's account on XX/XX/XXXX ; however, the funds are unlawfully being held by Bank of America until XX/XX/XXXX as they are considering the account to be a new account even though I opened the account under my existing Bank of America credentials. 

I have spoken to several Bank of America representatives and my mother even called her banking representative to try to get the hold on the funds released to no avail. I checked your website at it specifically notes that accounts should not be considered " new '' if the account holder had an established account with the institution.

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 2020-07-25
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried disputing this matter online and XXXX XXXX XXXX is saying this is my debt. This account is over 7years old and they are trying to collect on something that has been paid to a company that is no longer in business

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 2019-03-05
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The I C SYSTEM INC company reported to the credit agency a medical account that is not mine, because I do not owe anything. So I think it's a fraud.

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 2019-03-26
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
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:
The purpose of this correspondence is to obtain your assistance with an alleged debt that IQ Data International is currently reporting on my XXXX   credit report. After discovering this debt, I disputed this with XXXX I also mailed, via Certified Mail, a validation letter to the collection agency that has since been returned to me with the status of forward expired, despite obtaining the collection agencys demographic information through by XXXX credit report. I have been tracking this letter through the United States Postal Service tracking services ; the letter was returned to me on XX/XX/XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX is required by federal law to verify- through the physical verification of the original signed consumer contract of any and all accounts posted on my credit report. XXXX  sent a letter stating that the account was verified. Since the certified letter I initially sent to the collection agency for validation was returned to me, I would like to know the method of which XXXX is complying with federal law to verify this alleged debt. 

XXXX failure to positively verify this account and the collection agencys refusal to respond to or accept the certified letter mailed to them regarding this alleged debt has interfered with my ability to obtain credit. According to federal law, this account must be verified or removed. 

Attached to this complaint, you will find : Copy of the validation letter sent to IQ Data International on XX/XX/XXXX Returned certified letter to IQ Data International SEALED ENVELOPE ( front and back ) I ask that you provide a resolution to this matter and compel IQ Data International to provide the information I have demanded in the validation letter or discontinue collection attempts/ negative reporting on my credit reports. 


This inaccurate, alleged debt has tarnished my credit and ability to obtain credit. Please know that I take this matter very seriously. 

Sincerely, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
State: MS
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 satisfied a judgement with the court for an item listed on my credit report. The judgement for XXXX XXXX XXXX was paid in full on XX/XX/19 in the amount of {$2200.00} I received the Notice to Justice Court of Judgement Satisfied and submitted that document with my dispute to Equifax to request the status be corrected or updated. 
Equifax stated they electronically submitted a request for information from XXXX XXXX and received a reply on XX/XX/19 that the information listed on my report was accurate and still owed. 
I spoke with a XXXX XXXX XXXX in the collections department at XXXX XXXX who stated to me that the company does NOT answer disputes from credit reporting agencies and explained that disputing the balance would be the easiest way to have the item removed due to the fact that they dont answer disputes. 
I spoke with a supervisor @ Equifax by the name of XXXX @ XXXX ( CST ) on XX/XX/19 and she explained to me that even with court documentation confirming the judgement has been satisfied, that it will remain on my credit report with the balance still showing as owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Can not unfreeze my credit with Experian, as the website is broken. As per the screenshot. When I call for support, they say they can not help me, as my credit is frozen. 

They should ensure that the freeze/unfreeze functionality is working, instead of promoting their paid for credit lock service. isnt that a conflict of interest?

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 2019-03-26
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Information placed on credit bureau for {$130.00} on XX/XX/2018. Did not receive notice verbally or written.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: CT
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 took advantage of XXXX XXXX XXXX  XXXX 6 month relief program after paying our XX/XX/XXXX mortgage payment. We relieved ourselves early from the program on XX/XX/XXXX, paid the amount that had been deferred, as well as our XX/XX/XXXX mortgage payment. We were then reported to the credit bureaus for not paying our mortgage. After 7 phone calls between XXXX XXXX XXXX to the mortgage company, we were informed on XX/XX/XXXX it had been fully taken care of and would be removed from our report. 
After being denied for a ( unrelated ) credit card due to delinquency on an account, we called Equifax to be informed not only had they not been contacted to remove the error, we were still listed as our account being deferred - despite making monthly payments since XX/XX/XXXX.

Company response to consumer: Closed with explanation