BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-27
Company: Mr. Cooper Group Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, I saw late payment remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Collection Service of Nevada
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collection Service of Nevada is attempting to collect a debt that was the result of identity theft. Also they are attempting to collect a debt that still belongs to the original creditor XXXX of XXXX. Also Collection Services of Nevada is, or has inflated the alleged debt from {$1500.00} to {$1800.00}. Collection services of Nevada is in violation of the Fair Debt Collection Act and the Fair Debt Reporting Act. Collection Services of Nevada has no regarded for the consumer laws. Collection services of Nevada has not sent any documentation that they own this alleged debt and has changed the original amount of this alleged debt in violation of the law. Collection Service of Nevada has disregarded the fact that I have not or was a residence or was the occupant during the time this alleged debt occurred.

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 2021-07-20
Company: EQUIFAX, INC.
State: TX
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:
I XXXX XXXX I Didn't receive enough information to verify debt. Pursuant 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer about the confidentiality, accuracy, relevancy, and proper utilization of such information. You are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file. As a consumer I demand you remove the account. Pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) which comprehensibly state that the only permissible purpose of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstance and no other and is in accordance with the written instruction of the consumer to whom it relates. Pursuant 15 U.S Code 1681a ( e ) which defines an ''investigative consumer report '' as a consumer report in which information on a consumer 's character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc ...., who may have information of any items on the file which you will have to show me proof via affidavit of fact under penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Barclay and Uber offered a credit card rewards program that was difficult to access, rules were changed to the detriment of the consumer, benefits were incorrectly calculated, and customer support unable to resolve the discrepancy. In XXXX of XXXX, I attempted to redeem rewards associated with Uber Credit Card promoted by Barclay. However, the process was confusing enough to cause me to try again later. In XXXX of XXXX, I had approximately XXXX points ( {$910.00} value ) earned for the account. I learned the program had recently changed to only allow rewards to be redeemed through Uber. Yet, the Uber app did not reflect my point balance. I was unable to redeem any of the points earned so far. Only newly earned points were reflected in the Uber app. I reached out to Barclay and Uber but both have been unable to resolve this issue. Two supervisors at Barclay have understood my concern and XXXX gave me a courtesy credit of {$200.00} while acknowledging that there were other customers with the same problem. Uber support responded with arbitrary prepared messages unrelated to my issue, despite reaching out multiple times between XXXX and XXXX, XXXX. Ultimately, I consider Barclay responsible for this because I entered into an agreement with Barclay and expect to deal with Barclay for resolution of the issue. For reference, I'm including some dates associated with Barclay communications. 
XXXX, contacted Barclay, case XXXX closed without explanation. 
XXXX, contacted Barclay, case XXXX closed without explanation. 
XXXX, contacted Barclay, case XXXX, talked to manager XXXX who understood my issue, found other cases of customers experiencing the same problem, and gave me {$200.00} statement credit as a courtesy due to the ongoing trouble. 
XXXX, contacted Barclay, talked to XXXX ( same manager ), no change in status. 
XXXX, contacted Barclay, talked to XXXX ( employee id LASMMO ). 
XXXX, contacted Barclay, case XXXX, talked to manager XXXX who understands issue. 
XXXX, contacted Barclay, told to contact Uber directly, XXXX XXXX XXXX, help@uber.com ... of course, as before, responses from Uber were not related to my issue at all.

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 2021-07-20
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My cardmember agreement in the mail shows my annual fee as {$550.00} but customer service claims this was an error and my annual fee is {$690.00} which is a violation of the Credit CARD act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit report I filed a dispute with XXXX  for a debt held by Jefferson Capital Systems in the amount of {$2400.00} from XXXX XXXX. I filed the dispute on XX/XX/XXXX. About a week later I spoke to a representative from Jefferson Capital Systems pointing out that the debt was fraudulently linked to me. I have never had XXXX XXXX as a service provider. Additionally, the other address they referenced was located in West Virginia. I have never lived in nor visited West Virginia. I also do not have any family in West Virginia. Over the phone, the representative noted that she would add that I said that the debt was not mine and that they would no longer contact me. 

I received a letter from Jefferson Capital on XX/XX/XXXX regarding the debt. The letter indicated that if I did not reply in writing to the letter within 30 days, they will assume the debt is valid. Because they did not indicate the proper address to send the letter to, I sent letters to the following address on the letter I received : XXXX XXXX XXXX XXXX, NC XXXX And XXXX XXXX XXXX XXXX XXXX, MN XXXX Additionally, on XX/XX/XXXX I attempted to call their offices at XXXX CDT since their website said they were open until XXXX CDT. Upon calling I received notification that no one was available to answer calls. 

I disputed this debt a few years ago and it was removed from my credit history. However, I'm assuming it was resold to Jefferson Capital who is now attempting to collect the debt that had already been cleared from my history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23
Company: Experian Information Solutions 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:
I tried to pay on my account multiple times, they said the payment was accepted and processed and then weeks later they would not inform me that it was not processed properly but i would see my current balance was exceeded my normal monthly payment, currently i have caught up on payments but i was caused to incur late charges from them as well as my bank for returned check or overdraft which was not the case. Because of this my credit took a serious hit because they reported a serious delinquency.

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 2018-12-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I sent a certified dispute letter to Experian regarding reportings of bankruptcy on my credit report. I asked that the information be removed because they are not my files and to provide proof of verification on how they obtained this information. On XX/XX/2018, I received an email from experian stating that the information was updated and is accurate. On XX/XX/XXXX I called experian to receive proof of verification and I was laughed at over the phone, I was told they didnt have to provide proof of who reported it. I also spoke with a floor supervisor name XXXX who states he is in a call center in XXXX XXXX XXXX XXXX. XXXX informs me that the bankruptcy court verified this information. However I spoke with the clerk of the US Bankruptcy Court of XXXX District Georgia who informed me that they do not report any information to the credit agencies. Experian is refusing to provide me with the company whom they claim verified this information. And based on the information I received they did not get verification.

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 2018-12-28
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
On XX/XX/2018 I had sent WELLSA FARGO DEALER SERVICES a request of Consumer CHECK for physically verifiable PROOF of validity and CERTIFICATION of mandatory COMPLIANT REPORTING, even to METRO 2 FORMAT REPORTING COMPLIANCE and DEMAND OF REMOVAL OF ANY AND ALL ITEMS NOT DOCUMENTED AS FULLY TRUE, CORRECT, COMPLETE, VALIDATED, COMPLIANT per M2C FORMAT and CERTIFIED AS SUCH with legal standing in full accord of my STATE 's and the applicable FEDERAL regulatory reporting laws and standards of lawful reporting. The letter was sent certified mail and received on XX/XX/2018 XXXX XXXX.

As of XX/XX/2018 I had received no response and sent them a second letter of their FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. 

I received a letter on XX/XX/2018 asking for additional information to address my credit " DISPUTE ''

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 2018-12-12
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
AMEX advertised to offer XXXX XXXX points after spending XXXX dollars in first 3 month for XXXX XXXX  credit card. I spent XXXX dollars but did not receive the offer. I called the about this issue. They said they told me I won't receive this offer during my application. However I did not find this item during my application!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: EQUIFAX, INC.
State: MD
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:
XXXX Bill ( A Medical Collections Bill ) was reported on my collections in the amount of {$120.00} to the account in XX/XX/2020.

According to the law that all three bureaus -XXXX , XXXX  , and Equifax ( see attached document ), the bureaus need to wait 180 days ( 6 months ) before adding the record to the consumer 's credit report.

Instead of waiting for 180 days, the bureaus reported the medical collection within 30 days. I was getting ready to apply for a home and my score tanked about 70 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
To Whom it May Concern, In XX/XX/2013, I was convinced by a salesperson at XXXX to apply for a store card in order to receive a discount on clothing. I was told that I would receive the card in the mail. The card was never arrived, nor did a bill or any form of communication from XXXX for several months, until I received a letter from the debt collection agency, XXXX. Although it was sent to my address, it was directed to someone with the last name of the street I live onXXXX XXXX ( addressed to " MrXXXX XXXX '' ). 

I called XXXX to complain, and they apologized for the clerical error. I immediately issued a credit card payment to resolve the debt and requested them to close the account and have it deleted from my credit report. For the past six years, my credit report continued to show both XXXX and XXXX, preventing me from applying for any type of credit card or loan due to " serious delinquency. '' I made another attempt in May to contact XXXX ( since the account was in their hands ), and spoke with someone in upper management. He apologized on behalf of XXXX 's actions, agreed to close the account, and to contact Trans Union, XXXX, and XXXX have it deleted from my report. This was successful, but my score strangely dropped 80 points. I then called all three credit bureaus and was offered no explanation to why this happened. They suggested to contact XXXX, which didn't make logical sense to me. However, I took their suggestion and explained my situation to an individual at XXXX over the phone that XXXX closed the account and asked that XXXX, once and for all, remedy their error and contact the credit bureaus to delete the error from their end. I called XXXX back to check the status two weeks later and was told by a different individual XXXX had indeed sent the XXXX bureaus a letter requesting that it be deleted. Yesterday I received a letter from XXXX Bank addressed to " XXXX XXXX '' ( XXXX XXXX ) stating that XXXX was unable to close the account or request that it be deleted without any explanation. 

I feel that what I have gone through, for six years, is most unfair and unprofessional. I am a college professor who supports three children. I make regular monthly payments on a mortgage and car. My credit score and report have suffered because of a simple, clerical error that was never remedied by a clothing store. 

Thank you for your attention, XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA 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 non-monetary relief
Consumer complaint received 2018-02-23
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have reeived 4 phone calls a day from this debt collector with the below # 's 2 this morning and the additional I have kept phone records of all incoming calls. They are all from the same company. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX XXXX XXXX from EGS Finacial Payer XXXX Called me and mispronounced my name after I advised her that it was mispronounced she then disclosed that I had a past due balance that needed to be paid disclosed the full amount advised on the payment required before she even verified she had the correct party no verification via XXXX XXXX or DOB. JUST NAME AND FULL Disclosure of debt owed and payment ammount needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: U.S. BANCORP
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX, I received a letter from U.S. Bank, retail collections division. They implied they are filing a forgiven Debt XXXX form with the IRS for about 25,000 dollars that was discharged in bankruptcy, Case No. XXXX in the XXXX District of Illinois in XXXX. See Exhibit A. They are about to report a debt discharged more than two years ago in bankruptcy ( See Exhibits B, C, and D ) of which they had actual knowledge, to the IRS as money still owed to them, forgiven debt so I am required to pay taxes on it. 

They are hoping I do not know my rights under federal law for the Discharge Injunction which is still in effect since XX/XX/XXXX. They want me to call them and say " Hey, if I agree to a payment plan of XXXX a month, will you not report this on my credit or to the IRS? '' Of course, I anticipate they will defend themselves and say that they are new employees and didn't know about the bankruptcy, but they also " reported '' this " forgiven '' debt to the IRS in XXXX after I was discharged that year. This is a pattern of harassment. See letter from my previous attorney to them declining to provide documentation for their report to the IRS in XXXX of my " forgiven '' debt. 

They were notified of the bankruptcy when it was filed and listed in Schedule F of my Petition, and also notified of the Discharge on XX/XX/XXXX ( See Exhibits B, C, and D ). 

If the CFPB decides not to proceed, I can pay the fee to reopen my bankruptcy case, XXXX and seek formal sanctions in bankruptcy Court for U.S. Bank 's willful and knowing violation of the discharge injunction seeking to collect the debt that was discharged in Case No. XXXX, but I am offering them one last chance to leave me alone before I have to take this step.

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 2018-02-02
Company: BANKERS MORTGAGE LENDING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This complaint is about Bankers Mortgage Lending Inc. who are involved in unfair lending practices. We bought a new construction home from XXXX XXXX in XX/XX/XXXX. The lender approved our mortgage based on unimproved property taxes and no CDD fee. They estimated our taxes to be XXXX and they are over XXXX. When we paid our taxes in XX/XX/XXXX our escrow account was short XXXX and our payment is set to increase by over XXXX/month. We are not alone. In speaking with numerous neighbors with XXXX XXXX financed by this lender they too were short and payments have skyrocketed. In one case he has an increase of XXXX/ month. None of us were informed by the lender or XXXX XXXX that our payments would be going up. Seeing as they are the preferred lender for XXXX XXXX they have done numerous mortgages here in XXXX county, it is implausible that they did not have a better idea as to what the tax rates should be. I believe this was done purposely in order to have buyers qualify for higher mortgages and to help sell more houses for XXXX. Numerous people are now having to refinance or sell their homes because they can't afford the payments.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Experian Information Solutions Inc.
State: SC
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 filed a dispute on an item that was existing on my account. The account was paid in full and should have been removed. Experian did not remove the account but instead reapplied the same account dropping my credit score by 50 points.

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 2018-12-28
Company: Santander Consumer USA Holdings Inc.
State: NJ
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 sent a letter to this company to remove a unauthorized inquiry from my report that was done without my consent and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dirversified Consultant add a debt collection on my credit report on XX/XX/2018 for {$290.00} dollars that I don't know what's it about and what to get rid of it as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: The Phoenix Recovery Group
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The Phoenix Recovery Group reported my account to the credit bureaus without sending me any notification of the account. After contacting XXXX, The Phoenix Recovery Group then contacted me for the very first time via emailXX/XX/18. The collection notice that they had sent to me had the wrong address, hence the reason I never received it. The original creditor noted on the collection notice also sent the bill to the wrong address. The Phoenix Recovery Group stated in the email that they would report the account as disputed to the credit bureaus. That never happened. My credit score took a hit from this. I was never given an opportunity to dispute the account before by credit score was ruined by Phoenix Recovery Group.

Company response to consumer: Closed with explanation