BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
Company: AMERICAN EXPRESS COMPANY
State: MA
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 have several cashback offers applied to 3 of my Amex cards, all of a sudden this week American Express is having issues properly credited my account for what is owed. Concurrently, there is one particular offer for a XXXX XXXX they are claiming I made too late. The offer expired on XX/XX/XXXX. I made the purchase on XX/XX/XXXX, well before the expiration of the offer. XXXX hit my card and it appeared as pending on that date, then the charge disappeared from my account, then reappeared on XXXX, a full 5 days AFTER I received the order. This is a gimmick and game being played to avoid paying the commission. I am owed 10 % of that purchase. I followed the rules. Additionally, there are 3 other cashback offers that Amex all of a sudden is having issues with properly crediting

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
ATTENTION : EQUIFAX DISPUTE DEPARTMENT To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 

I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 

The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX : XXXX The account balance is incorrect, please delete. 

XXXX XXXX : XXXX The high balance reported is incorrect, please delete. 

XXXX XXXX : XXXX The first date of delinquency is incorrect, please delete. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 

Please DELETE / UPDATE the above accounts as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified.XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I was notified by XXXX XXXX XXXX that I had a student loan administered through XXXX XXXX ( XXXX XXXX XXXX XXXX ) This loan was serviced through AES which holds my federal loans. This was false as I never had a private loan, I only have federal loans. 

I contacted AES to ask for disbursement, debt verification and any other information in regards to this loan. I contacted XXXX XXXX XXXX XXXX to see if they have a record of my loan. 

XX/XX/XXXX, I filed an inquiry with XXXX and received a letter from XXXX XXXX stating that they will delete the listing from my credit profile due to fraud. It was deleted, however, the XXXX listing was on my credit file. 

XX/XX/XXXX I noticed that the XXXX XXXX XXXX  was on my credit report and I contacted them to ask for check disbursement, promissory note and a fraud packet. As I feel that it is a conflict of interest for AES to hold my federal loans and a fraudulent loan. They already have my signature on file and all of my information. 

I have not received a check disbursement. I did receive what appears to be a fraudulent student promissory note with crossed out information, jobs that I never worked at. 

I also filed a police report as well. I see that there is a class action suite settlement, how do I have my case considered

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Knight Adjustment Bureau
State: WI
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:
XXXX is allowing Knights Adjustment Bureau to report past due balances on my credit report when the account in a Chapter XXXX. XXXX  is reporting a balance of {$270.00} and late payments for this account. I have disputed this account at least 5 times and XXXX  refuses to remove it or make the creditor report a {$0.00} balance like all the other creditors in my Chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Cawley & Bergmann, LLP
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from someone at Cawley & Bergmann, a supposed collections agency. I keep an eye on my collections because my husband and I are trying to pay down debts to buy a home. I have NO debts to this company or a previous company. I refused to provide information to the caller since they wanted to verify my identity and I have no knowledge of this company. The phone number they called from was clearly spoofed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I paid my auto loan off in full to XXXXBridge Crest, yet the completed payment has not been reported to the credit bureau : XXXX, XXXX, XXXX. Moreover payments have not been reported for the last 2 months, as a result my credit report is reporting false and inaccurate information.

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 2017-09-22
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AMCOL SYSTEMS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was in the process of refinancing my home. I was working with two companies at the same time, XXXX and AmeriSave. My Loan Originator at AmeriSave,  XXXX XXXX, had me cancel my existing refi loan with XXXX that was set to fund the next business day and promised me a loan that was $ XXXX cheaper with the same 2.75 % interest rate. That loan with XXXX was already completed and signed but I had 3 business days right of refusal. I canceled my XXXX refi loan 12 hours before it was set to fund based on my conversation with XXXX and his promises to me. Once I did that XXXX then delivered a closing disclosure with more than double the loan costs that were promised. Unbelievable!! I have been fighting with XXXX and his manager XXXX XXXX ever since to try to get what I was promised. On top of that I have been dealing with AmeriSave and this refi going on two months now, which is a ridiculous amount of time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by fake XXXX customer support which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to the fraudsters.

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 2017-11-08
Company: LoanCare, LLC
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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX XXXX I made my mortgage payment to LoanCare in the full amount for XXXX payment. While it was after the XXXX, I acknowledged the late fee, however my report is reflecting a 30 day late. XXXX refuses to update my credit report accurately even after disputing the information and providing documentation to prove on time payment. They opened an investigation on XXXX XXXX, XXXX after I reviewed my payment history and found that the payment information was incorrect. On XXXX XXXX, XXXX I received an email from XXXX indicating my dispute results were ready. 

After reviewing my updated credit report, I found that the information had not been updated and XXXX added a personal statement from myself stating " Completed investigation of FCRA dispute - consumer disagrees which was not approved by me. 

What is most troubling is that I submitted PROOF of on time payment and still the credit agency declined to update my credit report on top of adding a statement that is FALSE. I contacted my loan servicer on XXXX/XXXX/XXXX and they confirmed over the phone that they have been reporting on time payment for XXXX XXXX. They indicated that XXXX did n't confirm the late payment information but only made a general request confirming that the reported information was correct which my servicer indicates they were reporting accurately the whole time. XXXX should not be able to close an investigation with incorrect reporting when documentation is provided that proves otherwise. 

XXXX has closed their investigation with incorrect information. LoanCare, my servicer indicates they are n't reporting a late payment. I have submitted a credit report to my loan servicer, but need further assistance in getting this resolved as the credit reporting agency has closed my dispute and I ca n't dispute the same payment over 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 2017-11-08
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: Information belongs to someone else

Complaint:
XXXX reporting inquires that are not mine wont send me credit report to see whats on there cra violation

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 2020-10-20
Company: MORGAN STANLEY & CO. LLC
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: Old information reappears or never goes away

Complaint:
My credit rating for all three companies continuously shows delinquent charges even when Morgan Stanley & their Mortgage company XXXX XXXX has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by Morgan Stanley & their Mortgage company XXXX XXXX. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. https : XXXX! XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Affirm Holdings, 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 have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I informed Discover in XX/XX/2023 before my due date on XX/XX/XXXX that I had filed for unemployment, and was waiting on my unemployment to get processed. Everyone, especially credit card companies, are aware of the lengthy process. It takes weeks to get your application reviewed, then approved. Once approved for unemployment, you then have to wait to receive your funds which Unemployment gives you no ETA on. 

Between the time I informed Discover and now, XX/XX/XXXX, I have received a threatening letter stating that they will INCREASE my monthly payment. A day early ( and before 30 days late ) they reported my account delinquent. All " payment options '' they've provided are exponentially higher than my normal monthly minimum, despite that I have reported I have NO income for the time being and until I receive my unemployment funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage originally came with attached private mortgage insurance ( PMI ) payments. My loan documents state that once the loan-to-value ( LTV ) ratio reaches 80 % I ( as the borrower ) am able to request PMI removal. Since, I made additional principal payments I requested PMI removal when my LTV ratio fell below 80 %. After, initially refusing to acknowledge that PMI could be removed on a conventional loan ( Loan Amount was XXXX and issued in XX/XX/XXXX ), my lender denied my request for PMI removal on XX/XX/XXXX. 
The stated reason for denying my request is " You have the right to request early cancellation of your PMI on or after either of these dates : When the principal balance of your loan is first scheduled to reach 80 percent of the original value of the property. Your loan is scheduled to reach 80 percent of the orignal value on XX/XX/XXXX or When the principal balance of your loan reaches 80 percent of the original value of the property based on actual payments. Based on the actual payments made your principal balance has reached 79.86 percent of the original value. '' Thus, the lender is arguing that my LTV ratio now has to somehow reverse back above 80 %, which is only possible if I literally rescind previous payments. Based on their complete lack of understanding of the way a mortgage operates, my loan balance would need to be higher in order to have PMI removed. I am just flabbergasted at the level of incompetence and am at my wits end.

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 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2022-09-12
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you XXXX more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : $ XXXX Late Date 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