BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-29
Company: Experian Information Solutions 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:
Within 30 days these credit bureaus have not responded to my attached letters on items that are not supposed to be listed on my accounts. Please remove listed items. This is impacting my ability to buy a home for my sons.

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 2018-03-12
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Calls persisted. Calls also continued to my place of employment. No action was taken by the company to correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Upon checking my credit report across all three CRAs post-chapter XXXX bankruptcy filing, this company continues to report this account as open and derogatory. They were listed and included on the creditor matrix at the time of filing which was XXXX XXXX, XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am a victim of identity theft. I have lots of inquires on my credit that I did not authorize nor did I know about. These inquiries are affecting my score in a negative way. I lost my wallet last year which had my drivers license, social security card in it. I have 2 credit cards one is XXXX XXXX and the other is old nave which I am a authorized user for the XXXX  XXXX. My score was in the 700 's now it is in the high 600 's. Remove these immediately! I do not own a home, I do not own a car. The inquires in dispute are : XXXX XXXX/XXXX Inquiry : XXXX XXXX, 2017 + Supermarkets XXXX/XXXX Inquiry : XXXX XXXX, 2017 +  Complete Dept. Stores XXXX Inquiry : XXXX XXXX, 2017 + Personal Loans Cos. 
XXXX XXXX Inquiry : XXXX XXXX, 2017 + All Banks XXXX Inquiry : XXXX XXXX, 2017 + National Credit Card Cos.

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 2018-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
As a consumer on multiple instances I have written several letters to all 3 credit bureaus, exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g I have simply requested original hard copy documentation, fully and totally verifying that all negative items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the negative items to remain on my credit report after several letters damaging my credit worthiness. The items therefore should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). XXXX, XXXX as well as Transuion are all in violation of the FCRA ...

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 2023-03-14
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: Investigation took more than 30 days

Complaint:
I mailed a section 609 dispute letter to Equifax on XX/XX/2023 on two accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It's been over 30 days and the matter has not gotten resolved. The credit companies are not complying with their own policies in a timely manner. I'm attaching the letter that was mailed out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
American Express sent me a prescreening and offer disclosure then after filling in my information including SSN and EIN I was denied issuance after I accepted terms. 

American Express

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Vehicle returned to XXXX on XX/XX/XXXX ( as acknowledged on letter attached ). 
XXXX XXXX issued a final bill XX/XX/XXXX with a due date of XX/XX/XXXX. 
This letter was mailed to the wrong home address ( had a typo ) and I never received it. I also didn't get a letter online on my XXXX XXXX account. 
In the beginning of XXXX, XXXX I saw a decline in my credit score owing to this account declared delinquent by XXXX XXXX. 
I called XXXX XXXX on XX/XX/XXXX and spoke to XXXX ( agent id : XXXX ) who informed me that the bill was sent to the wrong address and a new letter will be mailed to my home address and an update will be sent to the credit bureaus for correction and asked to call back. 
Called back on XX/XX/XXXX and spoke with XXXX ( agent id : XXXX ) and confirmed that she will submit the credit bureau correction the same day. 
Called on XX/XX/XXXX and spoke with XXXX ( agent ID : XXXX ). Was informed XX/XX/XXXX invoice was mailed. Credit bureau is submitted and being worked on. Was asked to call back on XX/XX/XXXX to confirm. 
I received the letters ( attached ) and sent the check right away ( date XX/XX/XXXX, see attached a copy ). 
Called on XX/XX/XXXX and spoke with XXXX ( agent XXXX ). Was informed that credit correction submitted on XX/XX/XXXX and creditbureau correctionswill take 30-45days. 

It's been nearly 9 months and my credit reports with Equifax, XXXX and XXXX still show this account as late payment ( see equifax as an example ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is absolutely horrendous to deal with. They do not provide clear manners in which to reach a live customer support agent. My account with them ( which had a security freeze ) was provided a pin. I lost the pin. When I tried to lift the freeze to allow myself to get a mortgage, I was unable to do so. I needed the mortgage urgently. However, they did not provide any direct customer service manner to lift the freeze. I had to upload my Drivers License, social security number and bank statement. However, they gave no indication that they received the documents. 

They make it very easy to sign up for a paid service. However, they make it nearly impossible to remove or temporarily lift a service if you have misplaced one item. This is horrible service and results in false advertising and possibly financial hardship. One only need to go online to see how many people have trouble getting " real '' phone numbers to spake to an agent with th

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 2018-08-01
Company: JPMORGAN CHASE & CO.
State: NY
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:
A business bank account and credit card were opened under an LLC at JP Morgan Chase Bank in XX/XX/XXXX. At the time of opening, I had been given paperwork with lots of fine print. I specifically asked the banker if I was signing a personal guarantee on the credit card. Her response was " No it's not a personal guarantee. This is just standard procedure '' The card was handled as such, as a business card, and the business unfortunately had lost some money the following year. Because some payments were missed, I got a call from a collection agency in XX/XX/XXXX in which the creditor told me I had indeed signed a personal guarantee on the card. I was shocked because I was given the wrong information by the Chase banker who opened this account! The account balance was $ XXXX and was paid off for less than the balance and was closed during that phone call in XX/XX/XXXX. Unfortunately, this is on my personal credit report with all 3 bureaus and I am desperately trying to get it taken off. I called Chase and they said if it's their mistake they will take it off, but they need a letter from the opening branch. I went to the opening branch and they said they can't write a letter because Chase protocol does not allow letters. Instead Chase Bank submitted an internal complaint, where it seems to have stalled. I am submitting this complaint with the Consumer Financial Protection Bureau because 1 ) I was given the completely wrong information by Chase bank 2 ) Seems Chase bankers all have different conflicting information on how to handle this issue 3 ) because this account should be 100 % taken off my personal credit report! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: EQUIFAX, INC.
State: TN
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:
Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified Who in your company verified the accuracy of these accounts or how they verified them?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
Hey I have a problem with Santander consumer usa, They came  and got my car on XX/XX/2017. I tried to make arrangements to get my car back but they wouldn't work with me. They took my car I had for 5yrs paying XXXX a month the car was paid for. They never let me know where to pick up my belongings in the car and I had my license plate on the car. They never sent me a letter telling me where I could come to the Auction to buy my car back. Santander still has on my credit report that im late every month for a car I dont have. They have different amounts that I owe XXXX for XXXX and XXXX for XXXX, XXXX for XXXX. If they sold my car how come the amount is still high? I gave them over 28,000 over 5yrs the car was pa I d for when they came and got it. I want Santander to remove this account from my credit report!!!! This account is lowering my credit score and I cant get another car and their reporting wrong information on my account. I want them to pay for my car that they too from me and pay for my license plate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: GOLDMAN SACHS BANK USA
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:
While I have an outstanding credit rating ( 820+ ), and more than enough income, I did not qualify for the lowest advertised APR. I first applied for the card on XX/XX/XXXX, and my application was accepted immediately. I contacted XXXX XXXX/XXXX XXXX customer service that same evening looking for an explanation as to why I didnt qualify for their lowest APR advertised. They could not explain why I personally didnt receive the lowest rate, and offered no transparency or any avenue to lower my rate or get more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a a unverified account from XXXX XXXX XXXX   # XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An  itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: DISCOVER BANK
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 status incorrect

Complaint:
My Discover card is a card I seldom use, and as a result, I don't check the balances as often as other cards. This card was charged by a merchant incorrectly and as a result, the bill was not paid and resulted in negative reporting against my credit report for the months of XXXX, XXXX, XXXX, and XXXX of 2018. When I contacted the merchant they claimed responsibility and refunds were issued back to the original charged card, the Discover in question. I opened a case with the office of the president to get my credit profile updated with the proper information and they still have yet to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2020 I attempted to withdraw funds from my Edd acct and was informed I only had XXXX $ left in the acct. A withdraw for XXXX $ and another for XXXX $ were withdrawn on XX/XX/2020, somewhere in XXXX, Ca. I live in XXXX XXXX, Ca and have never been to XXXX, Ca. Attempted to contact someone form the phone number given on EDD card, finally filed a fraud claim and was denied. I did not make these withdraws and need these funds to live during this COVID 19 pandemic.

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 2019-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2017, I filed disputes with XXXX, Transunion and XXXX regarding an address on my credit reports belonging to someone who stole my identity, used my revolving credit account, made an illegal purchase, and had the item shipped to their address in Texas. Now that address shows up on my credit report. I disputed that address in XX/XX/2017, I was assured by all three companies that the issue was fixed but it was never fixed. I just logged on to my XXXX account and checked my credit report. The Texas address is still there. All of the credit reporting agencies made me jump through hoops to get a police report, a letter from XXXX ( the revolving credit company ) and complete pages and pages of applications and online forms. I don't have time to keep doing this and nothing getting accomplished. I have been denied credit and almost arrested for fraud because when I completed an in-store electronic application, it asked me several questions. One was, " Did you ever live at any of these addresses? '' There were four addresses listed, three were just phony addresses and one was the fraudulent address in Texas. So when I answered "  NO '' to all of the addresses, the customer service representative was advised my credit was declined and that I was trying to open a fraudulent account. I had to show my driver 's license, my military ID card, several credit cards and was embarrassed and outraged. These credit reporting agencies DID NOT do their jobs even though I cooperated and provided them everything they asked for. These credit reporting agencies should be ashamed of what they've done to me.

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 2017-12-15
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For years I struggled managing my debt. In XXXX I was contacted by Navient. They helped me process a payment schedule based on my income. The result was a XXXX  montly payment for two years, while the interest accrued. Then in XXXX XXXX, Navient offered me an XXXX of XXXX on XXXX worth of consolidated loans. I do n't see how I will ever pay this debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: MIDFIRST BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I live in Colorado and my mom passed away in XX/XX/XXXX and left the home to my sister and brother and myself. And at that time there was a balance of {$3500.00} left on a {$25000.00} loan my mom took out in XX/XX/XXXX to fix the house. Well my family and I decided that who ever lives in the house would pay the that amount left. My sister XXXX XXXX paid that loan without missing a payment or late fee til it was finished. But for some reason when I file chapter XXXX in XX/XX/XXXX midland mortgage popped up trying to collect {$500.00} from my bankruptcy that I was paying and I had nothing to do with that payment. Not a one payment in my name was I responsible for. My sister paid all of the it and received payment confirmation and they released the deed. Question why does it show every payment paid except for the last one that midland added at the end? I believe that the motive was to capitalize on my bankruptcy that was the only reason I could come up with. I try hard to keep my credit up but I seem to fall in one pitfall  after another.I try to do the right thing in life and people and companys take advantage of every opportunity for a dollar.

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 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am in the process of making a big purchase and I noticed there are several accounts on my credit report that I have never opened

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 2022-10-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX # XXXX How can you say this account is accurate when clearly it's not... EVIDENCE IS RIGHT THERE IN BLACK AND WHITE... date last active XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, experian XX/XX/XXXX THAT DOESN'T LOOK ACCURATE TO ME! ! 3 DIFFERENT DATES..THIS REPORTING IS A VIOLATION MY RIGHTS AS A CONSUMER .... DELETE THIS ALREADY SO I CAN REST!!

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 2019-08-24
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX/XX/XX/XXXX XXXX XXXX sold the debt to XXXX and I had a contract of 12 payments XXXX a month or pay off the balance before the 12 months. I finished paying XXXX   XX/XX/2019. And now XXXX XXXX just sold the debt to Midland credit again. How is these even legal? My balance XXXX. Settled. Credit file show s I owe {$2900.00}. How could they sell the debt two times? Two different companies how is this legal?

Company response to consumer: Closed with explanation