BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-22
Company: FULTON FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to a reduction of pay and provisions in the CARES act for COVID related impacts allowing temporary suspension in mortgage payments, I opted in to Fulton Bank 's offering. Nowhere was it revealed that this would result in a report to credit agencies disallowing any refinancing actions, or new mortgages. This should have been disclosed in the suspension offering process. Upon learning of this 3 months later, and being denied a critical refinancing with another bank ( to alleviate impacts of income reductions related to COVID ). I repeatedly called Fulton Bank to urgently resume payment schedule and not be reported negatively in a forbearance status. Representatives took days to respond or did not respond at all. My financing with another bank was denied due to this and resulted in a negative financial impact, exacerbating COVID related financial impacts. I was finally able to immediately pay the 3 months of deferred payments, but I was never provided a letter to lenders testifying that my Fulton account was in good standing. Over several weeks, I repeatedly called on phone and sent online messages requesting the electronic transmission of this critical letter I needed. My credit scores are over XXXX and I am currently unable to complete any other financing actions because of this adverse action by Fulton Bank. Most egregious is the treatment by representative " XXXX '' in the Mortgage section and with responsibilities in COVID related deferrals. She has refused to send me an electronic letter for weeks, has hung up on me over the phone, and refuses to answer the phone when I call back for an update on receiving the letter. In addition, no letter has ever arrived via US Mail either. I have electronic messaged Fulton Bank regarding XXXX for several weeks, and I just get messages back that a supervisor will get back to me. Nobody has ever gotten back to me in over two weeks. I lost the other financing due to this incompetence and lack of service, causing long term financial damage to my family in the middle of this pandemic. In addition, the arrogant and flippant attitude of this mortgage representative and refusal to help has been been simply unfathomable.

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 2019-08-12
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received an electronic notification on XX/XX/XXXX from Loan Servicing company PrimeLending, that our XXXX statement was not satisfied for the amount of {$2100.00} due on XX/XX/XXXX. This is incorrect. We paid XX/XX/XXXX mortgage statement in two separate installments, both prior to deadline of XX/XX/XXXX before a late fee will access. 1st payment of {$500.00} received by PrimeLending on XX/XX/XXXX. Second payment of {$1600.00} received by PrimeLending on XX/XX/XXXX. 

I have placed calls on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX in order to get the error resolved, to no avail. The first representative indicated dual payments are okay to process as long as they are received closer together, but he would solve error. Second representative indicates dual payments would not be accepted, but she would direct me to customer service who could handle the error & get it fixed. Third representative placed me on hold for 20 minutes before the phone disconnected & no one has called me back since.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I had signed up for an American Express Business Gold card. The promotion was to spend {$5000.00} and received XXXX MR points. I recently canceled the card and Amex took away the bonus points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: JTM Capital Management, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted several request to have the debt with XXXX XXXX XXXX validated as mine, I have written this company on 3 or more occasions with one being more than 4 more ago with no response. The first letter was written on XX/XX/2020 with no response mailed another letter on XX/XX/2020 no response and I have recently mailed a 3rd letter on XX/XX/2020 there has been no communication from them in regards to this matter, this credit entry on my credit file is making it hard for me to obtain credit at a reasonable rate and if they can not verify the debt it should be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A XXXX XXXX credit card was opened in my name on XX/XX/2018. I did not authorize.

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 2020-11-18
Company: EQUIFAX, INC.
State: NJ
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:
I am writing to dispute the following information that appears on my consumer credit report : After numerous attempts to try and resolve erroneous reporting on my credit report. I am left no choice but to escalate these matters. 
XXXX XXXX and Equifax continue to report inaccurate public information on my credit. 
As a victim of Identity fraud. I have been working diligently to correct any misrepresentations on my credit report. 

The issues at hand involves a Dismissed chapter XXXX bankruptcy case on my report. I have looked this over and have found many inaccuracies with the reporting among the three above mentioned companies. 
The reporting date for this matter is XX/XX/2019 Therefore under the CFPB guidelines afford to me. I am asking that this be removed from my account for each agency. 



Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: VW Credit
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:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. Willful noncompliance regarding account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX and again XXXX I discovered my wages had been garnished for a credit card ( {$310.00} and {$350.00} ) This garnishment is how I became aware of the debt. I have contacted both the collection company and card company regarding this matter. I have expressed my concern regarding the legitimacy of this debt. I resided at XXXX XXXX XXXX.XXXX XXXX  XXXX, XXXX, CO. XXXX from XXXX to XXXX and relocated to XXXX XXXX  XXXX, XXXX, CO. XXXX XXXX ( this is my current address ). I recall no mail received from the collector or XXXX XXXX during the 9 years that have past. All the paper work I have is attached. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CO. XXXX. # XXXX. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS UNFAIR TO ME BECAUSE I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH ACTIONS AND MY CREDIT HAS BEEN LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. I KNOW FOR A FACT THAT THE NEGATIVE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX, THE following items do not belong to me and is a result of fraud that I did not authorize : Acceptance now.

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 2020-05-17
Company: Clark County Collection Service
State: NV
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:
Ive complained several time on the debt which is not even mine, but clark county collection has insisted that it was. XXXX XXXX was the original creditor, that closed the account on XX/XX/2016 which is the time the statute of limitation should have started, not when clark county collection finally started reporting it on XX/XX/2016. so this has illegally been reaged to keep it open longer than the law allows. XXXX is still illegally showing it as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
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: Investigation took more than 30 days

Complaint:
2 MONTHS NO RESPONSE

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 2023-09-05
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I called Chase and requested an {$8000.00} credit be transferred to another Chase VISA account ( Amazon ) on XX/XX/. This card had the highest Chase balance with the highest interest.They did not do it. On XXXX I called them again and requested they immediately transfer the monies to the card again. They did not do it. They instead transferred {$7300.00} to another Chase card I have leaving a {$6500.00} surplus balance. In this time, They've used my {$8000.00} to charge other customers 25 % interest a day. On top of that, they are charging me 22 % a day on the {$8000.00} that should have been applied to the card I told them to transfer the balance to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-24
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My wife and I are having consistent issues with Equifax. We have added security freezes and fraud alerts to each of our credit reports. Both of our security freezes and fraud alerts have been removed numerous times without our authorization by a fraudster who calls Equifax and remove them fraudulently. The fraudster does not have access to our security freeze pin to properly remove the freeze. Equifax does not request the security freeze pin prior to removing the freeze. The assailant easily removes the freeze and the fraud alerts due to the lack of proper security within Equifax. Additionally, the assailant proceeds to open credit cards in our name after the freeze is removed. We need Equifax to STOP removing our security freeze without requesting for the pin and STOP removing our fraud alert. The security pin is emplaced for a reason and Equifax is not utilizing it. After speaking with Equifax on multiple occasions, they are not assisting us with removing the fraudulent credit card inquires that are damaging our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, In accordance with the Fair Credit Reporting Act XXXX Account # : XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX, Equifax XXXX XXXX have violated my rights. They arent doing their job according to the law. Which is keeping me from getting a new apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
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: Old information reappears or never goes away

Complaint:
I have asked Experian to delete old accounts that are closed from my report. I have even secured a credit repair individual from XXXX XXXX XXXX to work with me in requesting these deletions. However, these old accounts continue to appear on the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: AES/PHEAA
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 status incorrect

Complaint:
I joined to US XXXX in 2016 and was sent to my training in XXXX. Before going to my training, I called Fed loan servicing to grant me a forbearance because I was going to be away. During the training, Nobody has access to his phone, internet or any way of dealing with credit company. A few months later, after my initial training, I came to find out that I account was being reported delinquent. I picked up my phone and called them, and they said that they were going to fix it with the credit bureaus. And recently, the same thing happened again. They grant you a forbearance, and turn around and reports your accounts as late. I have attached my Military orders to show that I was XXXX XXXX during that time and I have also attached their approved forbearance. 
This has ruined my life and has made me unable to apply any loan since 2016. This one account is reported into 8 tradelines/split accounts on my credit report and is showing that I have been late 5 times per tradeline/split which total to 40 times late. I have tried to multiple times and avenues this has never been resolved and everyone seems not to care. I am being treated this way because I chose to serve the country? Joining the XXXX is not an excuse to get away from financial obligations, but at least necessary steps were taken to ensure that I was covered during my XXXX XXXX time. If there is anyone out there to help me, I will appreciate because 40 late payments have been sitting on my credit for 4 years now. These late payments have crippled me and had made me unable to even get a security clearance. My wife and my XXXX kids can not enjoy the life that I have always dreamed to give them because every time I want to take a step forward, 40 late payments are holding me back. I have saved up for a mortgage but can not get qualified. Can someone look into this and save my life and the life of my miserable family? Please I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: GreenSky, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I called XXXX XXXX XXXX XXXX. In XXXX ma.We were doing a ac upgrade and some electrical upgrades. The Financial institution that this company uses is greensky.The loan amount was in the range of XXXX, some were in that ball park. The loan was going to be in my name and my husband as well. My credit score is in the fair category, XXXX, XXXX, somewhere in that range. My husbands is XXXX. We were going to put down XXXX which is half of the loan amount and finance the rest With this we got denied. I understand that my credit report has issues, but my husband does not, they advertise that a credit score of as was told to me XXXX, the website says XXXX, I may have not qualified but I dont understand what the problem was with my husband. No reason was given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: MD
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 recently reviewed a copy of my credit report. I noticed that there are several inaccuracies on my report that I didn't authorize. These accounts are violating my rights according to the FDCPA. The credit report agency continues to violate my rights according to 15 USC 1692 d '' Any bad debt furnished on your reports is ruining your reputation and it's defamation of character. ''

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 2020-05-20
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I sent an email through the Gm portal submitting the wrong reporting of payments and excessive billing out one month ahead which keeps reflecting a past due amount. I have had numerous calls for collects but no one can help me with email i submitted. Due to Covid no one is in call center and you can not obtain any help except through portal. What in place for covid in the state of texas as far as consumer protection?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is an acct from XXXX XXXX and XXXX XXXX XXXX that was removed from all 3  credit reports then popped back up on them. I have asked Equifax , XXXX XXXX and XXXX.  I have asked for validation of these Accts and they refuse to validate as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am requesting for the hard inquiries listed below, to be deleted from my credit report. Both accounts listed below was deleted from my credit report by XXXX, but the hard inquiries associated with these two accounts are still actively viewing on my credit file. XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX ( XXXX ). I also want to advise XXXX, that I am a very pleased consumer and this is by far the best credit bureau. That assist customers needs promptly and fairly. XXXX and Experian does not address needs and have the customer going through circles with disputed and fraudulent items. Thank you XXXX   for your dedication to the consumer.

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 2019-08-12
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:
A credit card account was fraudulently established with XXXX XXXX XXXX XXXX XXXX using my identity in XXXX, and subsequently reported to the credit reporting agencies as delinquent. Numerous attempts with XXXX to establish the account as fraudulent and have it removed from my credit reports went unanswered. I submitted complaint # XXXX with CFPB in XXXX, and a rep from XXXX responded with a Notification of Suspected Identity Theft form to submit. The form was promptly submitted, and a rep informed me over the phone that the form was received and the account would be removed from the credit reporting agencies and a confirmation letter mailed to me. As of XXXX the fraudulent, delinquent account is still being reported to credit reporting agencies and I have never received any letter from XXXX confirming the removal of the account. I contacted XXXX 's customer service over a month ago and was promised a " supervisor '' would contact me to help but have yet to receive any response. XXXX repeatedly refuses to provide any contacts within the company that can resolve this issue.

Company response to consumer: Closed with explanation