BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a joint credit card account with my ex partner from 2002 with XXXX XXXXXXXX XXXX listed as XXXX. I have not seen or heard from them in over 16 years. I am not to be held responsible for his spending since I left in 2002. The bank won't take my name off without his approval. Again, I haven't had any contact in over 12 years and I want this off my credit 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 2018-09-24
Company: LendingPoint Holdings LLC
State: NC
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 was searching through XXXX XXXX for some personal loans just looking, when I received a email around XXXX about a credit inquiry concerning my credit report from these lenders XXXX XXXX XXXXXXXX, I did not authorize them too pull my credit. They ran my credit at XXXX on XX/XX/18, please dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I received an {$1800.00} loan from TitleMax XX/XX/XXXX. I made {$380.00} in payments every other week which were automatic withdrawals and a couple manual payments. Today, XX/XX/XXXX my loan is now owing {$1800.00}. How can it be you paid more than the amount borrowed and now owe more than you borrowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
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: Old information reappears or never goes away

Complaint:
I disputed a loan XX/XX/XXXX Company Name XXXX XXXX, Balance XXXX and it was found to be in my favor XX/XX/XXXX and it was removed and all negative things with it .Then i notice it back on my account XX/XX/XXXX then i called transunion at XXXX on XX/XX/XXXX to inform them that i was not notified about the information getting put back on there 5 business days, and i also informed them that under FCRA section 611, they said that it's not what they do they can't remove it and ill have to wait till XXXX till it falls off. Disregarding the law and choosing not to correct the problem.

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 2021-02-10
Company: Aspen Yo LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In early XX/XX/2020 I reached out to Gregory Funding for mortgage loan assistance related to the Covid19 pandemic. I was offered and completed a loan modification application. After some sporadic communication I reached out via fax in XXXX and XXXX to request a call back. I received a call that the application was in process. 

On XX/XX/2020 I received a letter that the modification was declined. 
On XX/XX/XXXX I requested the review the modification because the income information they verbally told me they used on the phone was incorrect. I sent the reconsideration letter on XX/XX/XXXX. XXXX XXXX was my single point of contact but they do not and have not provided me my SPoC 's phone or email address. 

On XX/XX/2020 I called in ( a Thursday ) I was told that the modification was approved and " I would receive details by the following Thursday at the latest ''. 

I have not heard or received anything since then. I've called and was on hold for 44 min and when I spoke to a rep I was again told someone would call me back with details. 

On XX/XX/XXXX I sent another letter again asking for an update on the modification as it's been 3 months. 
I sent yet another letter on XX/XX/XXXX again asking to please update me on the status of the loan, by mail, phone or any way at all. 

To date I have not heard anything back from Gregory Funding since XX/XX/2020. I do get the monthly statements but no update on the modification

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I initiated a TEMPORARY LIFT on Credit Freeze on XXXX XXXX, XXXX for ONE DAY ( until XX/XX/XXXX ) from myequifax.com online account - so, after XX/XX/XXXX my credit file should have automatically frozen again. However, as of today XX/XX/XXXX ( 2 months later ) the 1 Day temporary lift still exists in my account at myequifax.com and it shows " You have temporarily lifted your Equifax Credit freeze UNTIL XX/XX/XXXX '' - please see the attached image. Their software/system should have automatically frozen my credit file again as per schedule, after the 1 day temporary lift period expired on XX/XX/XXXX. Also, since the temporary lift still exists in the account, it is no longer allowing me to add/manage/schedule any NEW/FRESH temporary lifts and shows a message saying you already have a temporary lift in place ( image attached ). I want them to FREEZE my credit file again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: EQUIFAX, INC.
State: GA
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:
I sent a dispute letter on XX/XX/2020 to Equifax regarding late payments to XXXX XXXX stating that I had 8 late payments. This information is untrue and inaccurate. I asked Equifax to investigate this problem for me. Not only have they not completed the investigation within the 30 day window, but I have not yet heard a response from them regarding this account. Please have them to delete this information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Husband received call onTuesday XXXX around XXXX regarding a possible fraudulent withdrawal to our account. My husband confirmed that the charge was indeed fraud and the bank was supposed to cancel the card and issue a new one. However, they never did and another XXXX transactions additional to the one we received the call about, hit our account over night to a total of XXXX. We called the bank first thing Wednesday morning when we saw and were told that my husbands card was never cancelled and a new one had not been issued. We were then told that because it was such a high amount that it would have to go to High dollar value fraud department and they would call us between 2-5 business days. Meanwhile they are charging us overdraft fees, they paid all of the fraudulent charges but returned my mortgage payment and will not issue a credit so that can go through. We are on day XXXX and still no help or concern from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-02
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Ordered women 's XXXX XXXX XXXX sneakers on XX/XX/2020 along with several other items. Package was delivered on XX/XX/2020 however shoe box was empty, no sneakers were received. 

Tried to resolve with Macy 's customer service via phone number XXXX on XX/XX/2020 and was informed through the IVR no customer service agents are available due to COVID-19. 

Then tried to resolve via online at Macy's.com and received automated response that no customer service was available due to COVID-19. 

Macy 's credit card statement was received with charge of the order on XX/XX/2020. I tried to call phone number on credit card statement XXXX and was given same automated message that no customer service is available. 

I then tried to submit a credit card billing disputes through Macy's.com and was unable to add the Macy 's American Express card to my Macy 's account ( even though I verified all information requested twice ). 

I want either a refund for the purchase or I want the goods I had ordered sent accurately. It seems deceptive and unfair that Macy 's is accepting orders and yet the company is unable to process any claims for items not received as purchased.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I tried telling the credit bureaus that this information on my credit report is incorrect ( as the picture below shows ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and my payment history is all wrong. The only bureau that was mostly correct was XXXX, and even their report was inaccurate with my no payment history.

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 2019-11-05
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX collection account should be deleted from all three of my credit reports. The company has requested deletion from all 3 credit reports yet it is still on my reports. I expect that this collection account account be deleted from all 3 credit reports as asp.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
on XXXX XXXX I send in dispute letters to all three credit bureaus stating there was incorrect information on my credit report from XXXX XXXX XXXX about late payments from XXXX and XXXX XXXX. Then I reached back out to them on XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have attached and FTC report with inquiries I did not authorize and also attached accounts that are all reporting errors to my credit report please delete and update my personal 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 non-monetary relief
Consumer complaint received 2020-09-09
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Thank you for taking the time to review the complaint. 
After reviewing credit reports in depth. XXXX XXXX 's third-party debt collector continues to collect a debt that is no longer owed due to the statute of limitations and currently established with XXXX XXXX. Requesting emails and different types of attempts ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Sent {$70.00} to a CashApp user XXXX  XXXX for an online purchase. Never received my product and they stopped replying to my texts after the money was sent. 

They claimed their name was XXXX XXXX and that they were sending the mail from XXXX XXXX XXXX XXXX XXXX NC, XXXX Her number is XXXX I reported the scam on the app as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: CMRE Financial Services, Inc.
State: OH
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:
Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : XXXX XXXX XXXX # XXXX -CMRE FINANCIAL # XXXX -XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please explain all discrepancies in the payment history for year XX/XX/XXXX-XX/XX/XXXX. 
I did not have access to payment history on Bayview Loan Servicing ( BLS ) web portal. When I completed my Chapter XXXX and it was finalized Bayview Loan Servicing released payment information and I was able to access the payment history on BLS Customer web-portal. The evidence in the report attached to this complaint shows that {$27000.00} was being held in the suspense account through as of date XX/XX/XXXX - XX/XX/XXXX the suspense Balance dropped to form {$27000.00} to {$26000.00} to {$25000.00} to {$24000.00} Please explain where the money in the expense account came from and why it was not applied to timely monthly mortgage payments. The Suspense account dropped {$7800.00} - XX/XX/XXXX. I have been over paying the monthly mortgage payment by {$52.00} monthly a total payment of {$2000.00} - On the BLS Monthly statement the payment amount is {$2000.00}. No where is the overage of {$52.00} being accounted for by Bayview Loan Servicing it is not reported on the website or the monthly statements. WHY NOT? 
BLS ESCALATION TEAM Please look at the attached legible payment history documents and cross reference the payment history and explain the suspense amount and suspense balance fluctuation.Where is the Money?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: U.S. BANCORP
State: FL
Product: Credit reporting 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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: AMERICAN EXPRESS COMPANY
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: Problem with personal statement of dispute

Complaint:
I requested Amex to do an investigation on a charge off and furnish previous data on the card for my review. I also asked AMEX to provide an explanation of the investigation method and amount, dates to verify the accuracy of their records. 
AMEX was given a reasonable time to do their investigation and furnish the data. 

AMEX has not responded to my request. I am requesting AMEX to remove their remark from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Experian Information Solutions Inc.
State: DE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I called into Experian to speak with a representative and ask questions regarding recent changes that I reviewed on my credit report. Upon calling the phone number provided on Experians website I had extreme difficulty getting to a live agent, as the automated service would not provide that as an option. Eventually I pressed the option to file fraud against a minor ( which was not the reason for my call ) In an attempt to get help from a live agent. This took 23 minutes. 

My first live agent to answer was named XXXX, she explained she couldnt assist me in her department but would get me to someone who could. I was placed in queue to wait for another agent from member services. 

After waiting 53 additional minutes XXXX picked up the line. I explained my concern to him which was, why is a credit card that has been closed for more than 60days reporting negatively against my available credit usage, when in fact it is not apart of that usage since it is closed my second question was how does a credit card closed and paid off at XXXX balance gain a new balance 60 days later XXXX could not answer the questions he asked me to hold while he researched it and then placed me in the queue for another representative unknowingly again, after waiting an additional 15 minutes I ended the call. 

I still have been unable to get any answers or assistance to my question. Or the appropriate adjustment made to my credit score.

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 2021-02-09
Company: EQUIFAX, INC.
State: PA
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:
I submitted a dispute to the credit report agency XXXX XXXX, Equifax and XXXX. I requested an extension deferral on my car loan with XXXX in XXXX of XXXX, I requested it for the payment due of XX/XX/XXXX, I asked could the payment be deferred to a later date before the due date. XXXX offers payment referral extensions to customers who are having financial hardship. I was having financial hardship in the month of XXXX. XXXX approved my request and told me my payment due for XX/XX/XXXX would be extended to the end of the loan on XX/XX/XXXX. They emailed me a document to sign to confirm the transaction and to upload on their system on XX/XX/XXXX, I uploaded that document on their website, I called back three times in XXXX and each time each representative assured me that it would take longer than usual to search for my document because they had a lot of documents to process, I called XXXX 5 times in the month of XXXX to confirm the transaction, each time a representative told me my extension was approved and not to worry, they had even resent me a document to esign because of their error. I esigned the document and the transaction was confirmed and the extension was deferred and approved. I called XXXX to explain the incorrect credit reporting, a supervisor and a representative sent a dispute after reviewing my account and reading notes and seeing how many times I called in, showing that it was an error on their end and ask the Credit disputing department to fix it and remove the late payment with the credit bureau and XXXX XXXX department is still refusing to remove the inaccurate information. They provided no details in their letter as to why they made this decision, I even called XXXX back and asked them have they reviewed my account and listened to the recordings of all the calls I made to them and they still provided no details as to why they reported my payment as late. Their only response is " our records are correct ' '' with no details explaining to me how this is not their error when I submitted my documents and did everything I was supposed and they APPROVED ME!

Company response to consumer: Closed with explanation