BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: Account Resolution Corporation
State: MO
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:
Settled account with law office they used to service the debt discussed credit reporting with an attorney at the office, he sent me a letter stating the account would be updated as " paid in full '' they first reported that I just made a payment, so I disputed it, they then reported it as " Paid Collection '' these are two very different things, I emailed them requesting they either remove it or have it reported the way their attorney told me it would be if I settled the account, which would be " Paid in full '' not " Paid collection ''. The letter I was provided was either false and misleading or their attorney made a mistake and I would like it rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: EQUIFAX, INC.
State: CT
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 company is refusing to correct my Personal Information and my SSN I submitted all the documents requested by fax and regular mail. please see attached. this company refused to accepted my disputes with the excuse of me having multiples SSN and that's a false statement.

please see attached letters sent to this company ( XXXX ) and documents as proof of identity update my personal information and remove/ deleted any other profile open on my name that should not. correct all mistake made for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Experian Information Solutions 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 TAKEN A LOOK OVER MY CREDIT REPORT AND FOUND SOME DEROGATORY ACCOUNTS ALL WITH XXXX BALANCES THAT WAS PLACED ON MY CREDIT FILE. I ALSO FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME OR ANYONE REPRESENTING ME. I AM ASKING THAT AN INVESTIGATION TAKES PLACE ON MY BEHALF SO THAT THE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2018-03-01
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
In cfpb Complaint No. # XXXX, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I sent the plaintiff and requested for " VALIDATION '' of debt. They refused to send in anything but summary of the said account by the CITIBank. Yet, per the court case ( # XXXX, Attached copies ), I have been summoned to appear in court. 

Thank you, XXXX XXXX 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
Consumer complaint received 2020-10-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I hope you can help me with this problem. I have been filing dispute with all 3 credit bureau and I'm getting no where. With Covid going on I understand that things are taking longer but this is not right. I'm trying to clean up my credit and I'm getting the run the around from the bureaus. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: IN
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:
My credit score has dropped significantly in the last 30 days and all accounts have been paid at 100 %. When contacting the company i.e XXXX  & Experian I received a statement simply stating my score is accurate. I monitor my credit consistently and see no negative information. There is no information noted as to the reason for such a decline in my 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 2018-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
They said that I have a penalty APR but I am not sure why they did this. I called to lower my APR but they said that I could not lower my APR. I called multiple times but they said that it could not lower from 32 % APR interest rate starting in XX/XX/XXXX. I would love to pay this card off but the interest rate is extremely high.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I found out today XX/XX/XXXX that 5th 3rd Bank failed to properly release my mortgage that I had with them. The mortgage account number is XXXX. The mortgage was paid off in XXXX of XXXX. On XX/XX/XXXX the XXXX County Recorders office received an improperly filed mortgage release from 5th 3rd in which case they failed to file the prior reference, volume, and page number. The recorders office stated they sent the release back to 5th 3rd on XXXX. As of today 5th 3rd bank failed to properly release a mortgage that was rightfully paid off in XXXX of XXXX. When I called the 5th 3rd mortgage department they gave me a case number XXXX. They informed me that it would at least be 3 days before I heard anything from them. They also said this process could take 90 additional days to complete. THIS IS A MAJOR PROBLEM FOR ME. I cam in contract to sell my home and buy another one and I can't sell my home until this mortgage from 5th 3rd is released!!!! Please help CFPB!!!!! If this this mortgage isn't properly released soo I could loose the chance to sell my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have a wrong name and previous address as a XXXX XXXX XXXX never used

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 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any reply about my complaints. I don't understand why? your help would be very much appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX  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
Consumer complaint received 2020-10-29
Company: Experian Information Solutions Inc.
State: VA
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 unauthorized accounts & inquiries on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed

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 2018-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a Balance of {$530.00} on my Bank of America credit card but I am not allowed to make a payment online at www.bankofamerica.com, the Bank of America mobile app or over the phone because I dont have a personal or business Bank of America checking account. 

Im being told by Bank of America customer service representatives that they will need a checking account and routing number from me in order to process a payment because they dont except debit cards, which is a plastic payment card that can be used instead of cash when paying bills or making purchases. It is similar to a credit card, but unlike a credit card, the money comes directly from the user 's bank account when performing a transaction. 

If I am using a Bank issue debit card, whether it be from Bank of America, XXXX bank or XXXX Bank, and the money will come directly out of my bank account, why does Bank of America or any other credit card provider need my checking account and routing number? This makes absolutely no sense at all. I dont want to provide Bank of America or any other bank with my personal information from another bank and I shouldnt be required to do so. This is a stupid policy that the Consumer Financial Protection Bureau needs to force banks to change.

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 2020-10-29
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 TAKEN A LOOK OVER MY CREDIT REPORT AND FOUND SOME DEROGATORY ACCOUNTS ALL WITH XXXX BALANCES THAT WAS PLACED ON MY CREDIT FILE. I ALSO FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME OR ANYONE REPRESENTING ME. I AM ASKING THAT AN INVESTIGATION TAKES PLACE ON MY BEHALF SO THAT THE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
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: Information belongs to someone else

Complaint:
Stolen identity fraud accounts open in my name Open accounts XXXX XXXX XXXX/ XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account number XXXX Amount XXXX Closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX Amount unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2018-04-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was notified by all 3 credit bureaus that I owed a debt. I am not aware of any bills outstanding. I am considered as an indigent patient and is covered by Florida State Medicaid. Please remove all outstanding debt and refer to Florida State Medicaid laws or filing rules. I also did not give any permission for my information to be released to any third parties which is direct violation of the HIPPA law. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 




XX/XX/XXXX {$560.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1000.00}

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 2017-08-04
Company: JPMORGAN CHASE & CO.
State: IA
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: Card was charged for something you did not purchase with the card

Complaint:
I called JP Morgan Chase on XXXX XXXX, XXXX to report an unauthorized transaction from a merchant ( XXXX XXXX ) on my credit card. The claims agent listened to my claim and said he began to fill out a form to submit to XXXX. The agent asked the last time I spoke with the merchant about the issue and what the merchant said. I asked him why he needed this information and he stated he needed to put a date into the form for the form to be submitted. He said the form states that I, the consumer, needed to contact the merchant and a date needed to be provided. I said I did n't have that info., so he just made up a date for the form. After putting the made up date into the form, the process continued and I was given appropriate provisional credit. 
I am writing this complaint because it is a clear Regulation E violation to require a consumer to contact the merchant before submitting a Reg E claim to the bank. This claims agent was lenient and allowed a date to be made up, but it should not matter. The form should not require a date and the consumer should not be made to contact the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018, my mortgage loan was transferred from XXXX XXXX XXXX c/o XXXX XXXX to XXXX XXXX XXXX c/o Specialized Loan Servicing LLC. 

I sent my XX/XX/XXXX payment ( amount XXXX ) to the new address ( XXXX XXXX XXXX, XXXX GA, XXXX ) with the old loan account number on the check. The check was cashed on XX/XX/2018 by Specialized Loan Servicing electronically and not credited to my account. 

I contacted SLS on XX/XX/XXXX explaining the mistake. A ticket was open to research it.

Resolution date from SLS is given as XX/XX/2018. That is after the RESPA protection window, so I may be subject to fees, penalties for this misdirected payment. 

This is not a timely resolution for a simple misdirected payment, in my opinion. And that my check was cashed and held by the servicer means that I would have to make double payments to bring my loan current.

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 2018-04-02
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
XXXX continues to report misinformation from XXXXCBNA, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. I have disputed their information for over two years with XXXX and XXXXCBNA continues to give the credit reporting agency false information. According to XXXX 's report a payment was made to XXXX/CBNA   on XX/XX/XXXX. Any activity by me with this creditor ceased long before that date. I am asking that XXXX/CBNA provide proof of any such activity actual hard copy proof, including a ledger accounting of all payments and dates these alleged transactions occurred. XXXX/CBNA was asked and I am also requesting that they provide confirmation that there was NOT any activity created by my ex-wife, XXXX XXXX, instead of me. I make this statement because my ex-wife had a habit of mishandling my affairs. This may not be the case but XXXXCBNA must prove that I conducted the alleged transactions and not her, because I did not. Without this proof, XXXXCBNA should advise XXXX to immediately remove any information on my credit report. 

This account is NOT listed on either XXXX or XXXX. 

XXXX  was notified, and XXXXCBNA has been notified as well that their false reporting has caused me financial harm and created a negative impact on my personal history. If this false reporting is not corrected not later than XX/XX/XXXX I will pursue all legal means against XXXX and XXXXCBNA to  seek compensation for the harm suffered.

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 2020-11-20
Company: Resurgent Capital Services L.P.
State: VA
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 THIS ACCOUNT OFF LVNV FUNDING LLC ON XX/XX/2020 THEY PROMISED THEY WOULD REMOVE IT FROM ALL 3 CREDIT BUREAUS IF I PAID IT BECAUSE IT WAS TOO OLD TO SUE FOR. SO I DID PAY IT OFF AND THEY DID NOT REMOVE IT FROM CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been making payments to my capital one credit card and they continue to report me as late. XX/XX/XXXX my statement ( due date XX/XX/XXXX ) stated I owed {$200.00}. I paid on XX/XX/XXXX {$470.00} ( because I also owed XXXX so at this point I was 30 days past due ) I was told this amount did not count towards my payment due although online and on the phone when I made the payment on XX/XX/XXXX the minimum due was {$470.00}. I had asked the rep why it was being reported as the minimum due on the phone via customer service, on the capital one app under my account, and online under my account info as the minimum due if it wasnt actually he minimum due. She said that she couldnt help me to file a dispute. Moving forward to XX/XX/XXXX my statement ( due XX/XX/XXXX ) reports I owe a minimum of {$160.00} I then get an email 4 days later ( XX/XX/XXXX ) saying my payment had been returned therefore my minimum was now {$750.00} Between XX/XX/XXXX and XX/XX/XXXX I received 6 emails stating that I had to pay a minimum of {$750.00} to bring my account out of collections and current therefore I paid it on XX/XX/XXXX in the amount of {$750.00} I then on XX/XX/XXXX received a notification that my account is still past due now 6 payments and that Im faci a charge off. I called the company spoke to three reps all telling me my {$750.00} payment meant nothing I needed to make another {$780.00} payment to bring it current although the emails and phone customer service and online account said minimum payment due was {$750.00} which I paid

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
There is 2 Hard inquiries on my credit report that is not mine they are XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX which is hurting my score I want them removed

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 2020-05-15
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Every single credit bureau has listed incorrect or old outdated personal information in my file. 

The following is the only information that should be reported. 

1. NAME : XXXX XXXX 2. Address : XXXX XXXX XXXX XXXX XXXX, CO XXXX 3. Employer : XXXX All other names and sub-names should be deleted. 
All Old address that do not pertain to me as of right now should be deleted. 
All Old employers that do not pertain to me as of right now should be deleted. 

Failure to delete and correct the requested information will result in a legal notice from my attorney on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Midwest Recovery Systems
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
According to Tennessee state licensure verification, Midwest Recovery is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XXXX XXXX. The amount is for {$840.00}.

Company response to consumer: Closed with explanation