BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: FL
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 am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: BARCLAYS BANK DELAWARE
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: Account status incorrect

Complaint:
Accounts from Barclays, XXXX, XXXX, XXXX all show remarks that the account is managed by a debt counciling service. It is not longer managed by them as the account is paid off and the account is closed and paid as agreed.

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 2019-01-16
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
I was furloughed due to the government shutdown and though I contacted all of my creditors to make payment arrangements I have continued to receive decreasing scores and inaccurate information from several creditors on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-15
Company: Mr. Cooper Group Inc.
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in the XXXX  industry and have been deeply affected by the Coronavirus, likely more than most. I am a XXXX XXXX as a XXXX XXXXXXXX and XXXX. I have lost 4 months of work and have even been rescheduling in the Fall and losing my remaining good Saturdays for the year. So I will not be making up that money. I filed for unemployment, but because I am XXXX and work in 2 states ( XXXX XXXX area strattles state line ), I was told I had to call in. The call line sends you to a machine which hangs up on you after directing you back online because they are swamped. So I said I only work in Kansas in order to submit it, but no response or check yet. 

We have XXXX  kids and a new home we bought in XXXX of 2019. Our mortgage company is Mr. Cooper. We have missed 2 payments of roughly {$1800.00} each, XXXX and XXXX, so far. I have tried calling, but they also have an automated message directing you back to online and hanging up afterward. But then I discover the only option is a forbearance, admittedly warning I may be disqualified from any stimulus or other aid if I fill it out. On top of that, they say quite sternly XXXX and repeated bluntly by the CEO in a video ) that it is NOT an extension of the life of the loan, but rather a normal extension, requiring a lump sum at the end of the 90 days. As if anyone is saving money right now and able to pay MORE when this nightmare is over! Thats illogical. It is mentioned that payment plans could be made, but this is not what you agree to in the application and it is so arbitrary it is unknown exactly what they could force you to do after agreeing to this form. This seems unwise to enter into. So for these terms, and the threat of not getting aid, I chose not to fill this out. I did however email them explaining this. I have not heard back and they are still not taking calls. 

We can not lose our home. And we can not pay a higher monthly payment. We are scared and dont know how to fix this. Meanwhile, the days are passing by and notices are flooding in. We have been able to pay all our other bills, but that will end this month if unemployment or a stimulus doesnt come soon. 

If anyone can encourage mortgage companies to extend the life of loans, it would help us immensely. I can only imagine how many people are being hurt by filling out this forbearance, which essentially gives zero aid, and only allows for a little time to then make their account current all at once, without any backpay to do so. It seems dishonest and taking advantage of many people forced to choose this only option. They should be held accountable for making things worse on hurting people everywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: NC
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:
XXXXXXXX XXXX is reporting that my mortgage is 2-months past due as of today. However, I have been in direct conversation with XXXX XXXX. It was late in XXXX, but I have confirmed multiple times ( directly with XXXX XXXX, that my mortgage account has been current ( and still is ) since XXXX. I have also contested the status of my mortgage several times with XXXX, Experian, and XXXX XXXX ; but XXXX XXXX continues to confirm the delinquent status to the credit bureaus. So essentially, XXXXXXXX XXXX is telling me that my mortgage is current and has been since XXXX, but they are still reporting it as 2-months past due on my credit report. They keep saying they will fix it, but the correction never happens.

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 2020-09-21
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was aware of this fraud account on my creditXX/XX/2016. I am not aware of where it came from or who used my information. Since XX/XX/2016, I have been trying to get this account removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Synovus Bank
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First Progress is reporting an open account of {$130.00} balance. Credit limit {$500.00} and high balance of {$630.00}. 
The account was canceled by credit grantor. Was never opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was asked to send my email address to receive tickets to an event and upon receiving the tickets I would send payment. However payment was taken from my account via XXXX and my bank will not reimburse me for the stolen money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All accounts with XXXX XXXX have been charged off and should 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 2023-02-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

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 2023-06-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my account was never XXXX days late. account was only approved for deferal. 
please remove these XXXX day late for each month noted. 
i am entitled by FCRA to request this be corrected and removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16
Company: U.S. BANCORP
State: CA
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:
XXXX XXXX XXXX XXXX XXXX credit card never rewarded me the initial sign up bonus of {$150.00} after spending {$500.00} within the first 90 days of opening the account. We called the credit card company and they said we missed something in the application and we never signed up for this bonus. I told them that there was nothing to miss and it was just one whole normal credit card application. Then they said they can not do anything about this. I applied and got approved for this card on XX/XX/2018 through their site and the site clearly stated that youll get a {$150.00} bonus after hitting the spending requirement.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Experian offered to negotiate billing with current creditors to reduced the billing amount. I provided accounts for their use during a free trial period of 7 days to see if they could produce results. Couple of days later they asked for " additional information '' on one of the accounts and I provided the requested information. Free trail period ended with no results or any response and they billed my credit card for {$24.00} on XXXX I called to cancel the " Premium account '' offer on XXXX and they said the billing was nonrefundable. I told Experian they did not produce the results they offered and I wanted a refund. After several minutes on the phone, they finally agreed to refund the charges. They should not offer services they can not provide or fail to provide. This is nothing more than fraudulent, " bait and switch activity '' and then they refuse to refund the money. They should be prohibited from this activity and not allowed to offer nonexistent services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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: Account information incorrect

Complaint:
the account is accurate but their should be no late payments reported to my account please correct all late payments on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
At approximately XXXX SAST time I received an email from PayPal stating the following : " We recently noticed an issue with your account. 
... 
Because of this issue, your account has been permanently limited. We understand this may be frustrating and inconvenient but you'll still be able to see your transaction history for a limited time. '' As I have not had any recent sales in my account I suspected my account must have been limited in error. Funds coming into my account were for my salary from XXXX XXXX and were not sales. 

I reached out to PayPal support ( the correct department ) on 3 occasions on the XX/XX/2018. I was told they are not able to provide me a reason for my account closure and I could not appeal. I was also instructed that my monies ( salary ) in the account ( approximately {$1.00} XXXX USD ) would also be held for 180 days and my PayPal account would not be able to ever be used for any transactions going forward. 

I asked on all three occasions I spoke to PayPal representatives what I could do to appeal or help the process of getting my account reinstated, and I am still willing to send any documentation that may be required. 

I believe it to be very unfair to shut an account with no prior warning, with a reason for closure supplied that is false ( PayPal stating closure is due to sales ) and to withhold my salary - and also not allow any future salary to be paid to me through the platform. 

The account in question is over 10 years old and has never had any fraudulent transactions or sales to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: Velocity Portfolio Group
State: DE
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:
CKS PRIME INVESTMENT {$670.00} Company has parked an alleged debt on my consumer report without authorization

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it XXXX concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Credit card name : The XXXX XXXX XXXX XXXX : Barclays Card type : Mastercard Advertised benefit 1 : 6X points per {$1.00} spent on XXXX  purchases Advertised benefit 2 : Receive a 50 % savings on eligible inflight purchases Card advertisement link : XXXX XXXX XXXX Unreceived benefits : On multiple occasions, inflight food/beverage purchases on XXXX  flights ( i.e. " eligible inflight purchases '' ) have been coded as " XXXX XXXX XXXX XXXX '' instead of " XXXX XXXX XXXX XXXX '' ). These " XXXX XXXX XXXX XXXX '' purchases receive only 1x points, which contradicts advertised benefit 1, and *do not* receive 50 % savings, which contradicts advertised benefit 2.

1st complaint to Barclay customer service XX/XX/XXXX ( picture attached ) summary : I complained about above issue. Barclay response : the 50 % discount can take 4-6 weeks to post.

2nd complaint to Barclay customer service XX/XX/XXXX ( picture attached ) summary : I say it has been >4-6 weeks now, and still no 50 % discount or 6x points. Barclay response : they will add the 50 % discount, but can not give me the 6x points.

3rd complaint to Barclay customer service XX/XX/XXXX ( picture attached ) summary : I complain about the above response from Barclays, saying they owe me the points as well, and I'm unhappy about the difficulty of this process. Barclay response : they will add the points.

4th complaint to Barclay customer service XX/XX/XXXX ( picture attached ) summary : the above issue has happened again, and I submit another complaint. Barclay response : TBD In summary, I am very unhappy with how Barclays has 1 ) failed to remedy this issue after I initially brought it up, and 2 ) initially did not offer to even provide the advertised benefits when I brought the issue to their attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-28
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: Information belongs to someone else

Complaint:
I'M IN HELP OF SOME ASSISTANCE DEALING WITH A COUPLE OF ACCOUNTS THAT ARE APPEARING ON MY CREDIT REPORT THAT ARE NOT MINE.

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 2018-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX, TransUnion XXXX XXXX XXXX XX/XX/2016 XXXX $ - account closed in XX/XX/2016 for XXXX but it shows open not closed and it keeps showin late. 
XXXX XXXX ( fraud asked for signed documents plus proof its me. Never received any proof and its still on my credit

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