BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-20
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was negatively affected by the XXXX XXXX XXXX. I called American Express as soon as I realized I wouldnt be receiving paychecks regularly. I continued to keep American Express updated and make payments. I was told by several American Express agents that because my account history with them is excellent that if i continued to make payments I would not have negative reporting for my two platinum cards. When I became employed again, I advised American Express that I was never reimbursed for lost wages from the shut down and I had to get a new job. I now have a new job but Id need some time to catch up. I was told that the Amex personal platinum is more time sensitive for credit reporting and the business platinum wont reflect late until at least 60 days late. I paid XXXX in the last mint to avoid negative reporting for the personal platinum card. I can pay the ENTIRE balance of both platinum cards and blue cash everyday in ten business days from today. To my surprise, contrary to what I was told by American Express reps, my card was closed, cancelled and reported to the bureaus as delinquent. With my new job ( security clearance ) this is a huge problem for me. I want to set up an automatic payment for the entire balances, have the accounts reopened ( they should have never been closed ), and my credit reporting of negative deliquent status removed immediately. Im very upset. Ive spent tens of thousands on this card and paid on time prior to the shut down only to be treated like this. I spoke with XXXX in Arizona at headquarters and he promised me Id get a call from the supervisor XXXX yet I have not received a call yet in the promised time. I need this handled immediately. All cards were canceled yet I paid on all cards to avoid this as I was instructed by the reps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Hi, I have contacted Trans Union XXXX XXXX about this same fraud account XXXX XXXX, on my credit report & they have not truly investigated properly. They continue to allow this 3rd party collection agency to report fraud on my credit report when it is illegal. The customer representatives I spoke to are rude, hard to understand & extremely insensitive & lack compassion. All the other credit bureaus have helped me with this matter & Trans Union is difficult & the same with getting false inquiries off my report, they make their dispute process so difficult & complicated for consumers, it's why I didn't join as a paid member again, as I am a member of XXXX XXXX XXXX because they truly work with you & help you get the results you need. Im attaching my previous complaints & reports with this complaint that they seem to ignore. The company XXXX XXXX XXXX has NOT legally validated this fraud account & yet keeps sending trans union the same copy of a bill any one could open a fraudulent acct. This fraud account has not been verified & it can't be, legally, & yet they keep reporting it as inaccurate with no contract between me & portfolio recovery & no contract even with the original creditor XXXX  XXXX, NO WET SIGNATURE. Trans Union is violating my rights by reporting fraud on my account from a 3rd party collection company more than 120 days!! This is truly unfair, It's a few hundred dollars, if it was mine I would have been paid, however, I refuse to be a victim of identity theft & pay some one else 's debt. THANK YOU!!

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 2018-09-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I would like to dismiss this student loan I been paying for this loan since XX/XX/XXXX, College closed end of XX/XX/XXXX, was not able to successfully obtain a job in my career field, due to the high cost of these loan 's not able to purchase a home. continue on income sensitive for years, now that is closed they did not credited me to go back to school tuition free.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on XX/XX/2020, prior mortgage co ( XXXX XXXX ) sold my loan to LoanCare. Prior to this I was on a forbearance program with XXXX XXXX due to the Covid 19 since mid XXXX, 2020. I was on a 180 day program but LoanCare did not honor the existing terms of my mortgage loan which included the forbearance program. They terminated it and reported to the three major credit agencies that I was delinquent in my payments.

LoanCare was notified of this on XX/XX/2020 by me and they informed me that they realized this was done and and on XX/XX/2020 had sent a letter to the credit agencies of their error. Today, XX/XX/2020, LoanCare has still not produced the letter of XX/XX/2020 that I was told was sent to the agencies and me. I was also told that I would get return calls by the end of both days but this was not done. 
In one of the calls with LoanCare of XX/XX/2020, I was told that my forbearance with LoanCare did not start until XX/XX/2020 yet on XX/XX/2020 in a call to LoanCare, I was informed that my forbearance was in effect and there was not problem and no agencies were notified of delinquent- which was not true as 2 months were already reported delinquent. 
My credit scores went from very good to need help/fair. 50pt drop. This has impacted me on business and credit and the financial damage has not been determined yet as I was engaging in new loans and now have nearly poor credit and damaged credit repute. 
LOANCARE is slow to make the corrections to the Credit Agencies and my creditors.- nothing has been done as of this writing.

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 2020-09-24
Company: Experian Information Solutions Inc.
State: NE
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:
XXXX XXXX  is reporting 2 Miortgage listings closed as of XX/XX/2010. Under the FCRA, these should no longer be reporting as they are over 7 years old from date of last activity. XXXX XXXX XXXX  is now the owner of these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This morning I received an email from " TransUnion '' dated " XX/XX/2018. '' It inaccurately stated that my " ( Federal ) Student Loan '' was " Payment Deferred '' instead of " Discharged '' ( i.e., " paid off '' in its entirety ).

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 2018-09-10
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: Account information incorrect

Complaint:
Original Loan balance in XX/XX/XXXX was {$220000.00} ; In reviewing XXXX report, balance is indicated, as of XX/XX/XXXX as {$220000.00} - how does the loan balance go up??

I called XXXX XXXX XXXX and XXXX  was unable to assist. I was promised a return call but have received same responses before that never happened.

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 2018-09-13
Company: BANK OF THE WEST
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
beginning on XX/XX/XXXX I sigmed 3 documents with Bank of the west had 2 payments delayed and gave permission for my wife to handle the account according to this bank only 1 payment was delayed and no poa was signed and they say they have my signature on a document that states only 1 delayed payment this has been changed to their benefit beginning with the fact a payment made in XX/XX/XXXX disappeared and yet we were approved for the delay which was not used. We split the payments and according to them we owed XXXX $ in late fees problem as follows they were paid XXXX $ from XX/XX/XXXX to XX/XX/XXXX regular payment XXXX that equals XXXX months if every payment was late the late fee is XXXX payment becomes XXXX that comes out to be XXXX months at XXXX that comes out to be XXXX months their numbers do not add up correctly again if you take the numbers and divide the amount by 23 months pmt shows XXXX divide by 22 months the payments come out to be XXXX XX/XX/XXXX to XX/XX/XXXX is 3 months XXXX 12 months XX/XX/XXXX to XX/XX/XXXX is 8 months however they are ignoring the XXXX delayed payment which has never been used I have gone over the numbers and they completely ignore the correct amounts and claim no payment was made in XX/XX/XXXX un true because they would not have approved a delayed pmt

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 2021-10-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed this Alleged Collection Account XXXX on XX/XX/2021 I requested : ( 1 ) a copy of every contract and/or agreement, including, but not limited to, ( a ) an informed consent for medical treatment and ( b ) financial responsibility agreement, signed by XXXX XXXX XXXX and XXXX XXXX XXXX ( 2 ) a copy of all actual bills sent from XXXX XXXX XXXX XXXX XXXX XXXX with tracking numbers XXXX other proof of mailing ( e.g., affidavit of mailing by individual who mailed it ), ( 3 ) a copy of all pre-certifications and billings sent to insurance companies and a copy of all payments received from insurances companies for the alleged debt, ( 4 ) a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ( 5 ) a detailed itemization of the amount that you are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs.

( 6 ) Proof that this debt was an alleged account described by Title 15 section 1693A ( 2 ) demand deposit, savings deposit, or other asset account That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA, including, 15 U.S.C. 1692g ( b ), etc. 

First, you have failed to obtain and send me verification of the alleged debt as required by law. 
Therefore, you have not obtained and mailed verification of the debt as required under the FDCPA. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. 

Second, you failed to cease & desist collection and delete your credit reporting of the alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person, e.g., a consumer reporting agency, credit information which is known or which should be known to be false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: EQUIFAX, INC.
State: VA
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 request to investigate inaccurate accounts on my credit profile on XX/XX/2021, XX/XX/2021 XX/XX/2021. It has now been 90 days since I sent my inquiry, but I have yet to receive a response. I'm looking to purchase a home and the inaccurate records on my profile are stopping me from achieving my dream home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was in the hospital for an extend amount of time. before my stay in the hospital I made sure that my account was active and that no charges would go though on the account. When i was gone various charges where made by one merchant, XXXX which bypassed my instructions to not give me any overdraft protection and deny and charges when funds are not in the account. XXXX transaction are not covered because it was a ACH transaction and the protection that was given was only for credit card charges and this was not explained to me. Now I have over {$200.00} in fee 's on 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 2021-10-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts : XXXX Balance {$0.00} Opened Date XX/XX/2017. 
XXXX XXXX  XXXX XXXX {$0.00} Opened Date XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with FEDLOAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureas and FEDLOAN with no successful resolution. All 3 bureausonly reporting me late. There was definitely an error on their part. I was never 120 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2018 I received a text message sent by my bank institution ( Chase ). The text message was an alert as there was a possibility of fraudulent activity. Shortly after this text message, I received a call from Chase.I canceled my debit card as there was fraud activity taken place. A total of {$1700.00} was taken from my business account, in 23 different transactions. My card was used in the cities of XXXX XXXX, XXXX XXXX, and XXXX XXXX California. However I live in a different city,3-4 hours away, and was working when this occurred. Only I have access to my business account and I only have one debit card liked my account. 


On XX/XX/2018 Chase refunded the amount of {$1700.00}, but only temporary. Later that month on XX/XX/2018 the money was removed from my account. Chase stated that after " further investigating since the transactions were done using a pin number '' the money could not be reimbursed. I was told by a Chase representative that I needed proof of where I was the day the fraud took place, so I asked my clients for letters as proof. After submitting these letters Chase still refuses to refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-24
Company: Experian Information Solutions Inc.
State: OH
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:
It's been over 60 days and no sign of investigation. I've contacted the Credit Bureaus in XXXX and no information has been given and credit report shows no sign of investigations. I have no knowledge or obligation to accounts and would like removed immediately.

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 2021-10-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following account : XXXX XXXX XXXX {$100.00} Opened Date XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: EQUIFAX, INC.
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:
I have submitted multiple letters to Equifax requesting validation of the accounts in question ( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX. Both notices were mailed certified and were received ( XX/XX/XXXX and XX/XX/XXXX ) I have received zero documentation from Equifax providing the proper validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
I rented a car from XXXXXXXX XXXX XXXX and they charged me ten times the amount I originally authorization. I called and extended the agreement until a monthly rental because I was hospitalized and under treatment. The representative said they took care of it, and It would be {$700.00} ( + ). I now have a charge {$3600.00}. Having a car slightly over a month doesn't equal this amount. I'm on unemployment and I am disabled. I can not afford to be up-charged and can't risk ruining my credit. I am disputing with Capitol One and need advocacy, or I will not be able to get my meds, eat or perform other essential tasks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24
Company: EQUIFAX, INC.
State: SC
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 paid off a XXXX 's account that was transferred to XXXX. XXXX 's had previously reported the payment of XXXX but still reflected a balance when in fact this account was settled as of XX/XX/20 there should not have been a balance reported PERIOD! Now it has been reported to Equifax that I now owe almost {$6000.00}. This information has been reported erroneously and I will take further action if this account is not deleted immediately. You can not report inaccurate information!!!! I am in the middle of purchasing a home and this inaccurate information can be detrimental.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Law Office of Michael J. Scott, PC
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been instructed by XXXX XXXX of XXXX to file this complaint. Please see case # XXXX, the representing firm for XXXX XXXX XXXX XXXX XXXX had no knowledge or information concerning this debt. 

Scott & Associates PC are claiming to represent XXXX XXXX XXXX XXXX XXXX and are seeking collections costs for a previous debt company.

Company response to consumer: Closed with explanation