BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I contacted Equifax on XX/XX/2021 asking them to delete inaccurate mailing addresses from my credit report and I did not receive a response from Equifax. On XX/XX/2021, I contacted Equifax again asking them to verify the accuracy of 2 bankruptcies that are on my credit report. Equifax did not respond to my letter. On XX/XX/2021 I sent a 3rd letter to Equifax asking them to Delete the unverified bankruptcies since it's been more than 30 days and still did not get a response from them. CFPB website says that if information can not be verified and if information is inaccurate it should be deleted from my credit reports but I don't see why Equifax do not respond to letters for months past. The Equifax credit report I got on XX/XX/2021 says the bankruptcy information comes from XXXX XXXX so I contacted XXXX XXXX and XXXX XXXX SENT ME A LETTER STATING THEY CAN NOT VERIFY THE BANKRUPTCIES AND THEY DELETED BOTH OF THEM FROM THEIR DATABASE BUT EQUIFAX IS NOT RESPONDING OR DELETING THE UNVERIFIED BANKRUPTCIES FROM MY CREDIT REPORT. According to FCRA Equifax should delete these 2 bankruptcies. Equifax is preventing me from being able to buy a house and costing me thousands of dollars in interest every year by continuing to report these bankruptcies that shouldn't be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Source Receivables Management LLC
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 have never had and or signed a loan with either parties, i have never signed with my signature with this company of any loan and or any terms, the old ownership of the dealership no longer there to resolve issue, i am preparing a lawsuit for small claims court for violation of several fcra and fdcpa violations, i am giving company 30 days removal of item otherwise will proceed forward with lawsuit with damages caused to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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 customer service

Complaint:
Call CapitalOne about letters I received about both of my cards being closed due to a payment that fraudulent. I notified CapitalOne of a strange payment that had been made for {$5000.00} on one of my  CapitalOne cards. I also contacted the bank the payment came from XXXX XXXX in Massachusetts ( not my bank ). Because of a fraudulent payment CapitalOne closed my accounts. The account that the payment supposedly came from was a closed account. I was a victim of a scan of some sort. 
When I CapitalOne today as to why I was being punished by having my cards closed, the agent " XXXX '' was of no help, laughed at me and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Santander Consumer USA Holdings 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:
I sent a letter of Validation on XX/XX/XXXX I have not received any response from this company. I have attached the certified letter that they received on XX/XX/XXXX. I also fax and e-mailed this company the same letter that is attached with still no response. This company should not be allowed to report information on my husband and my credit that has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had a house fire which was a complete loss in XXXX. XXXX XXXX was my mortgage company I had got my first drawl. Then they sold my mortgage to Freedom Mortgage. I was in the middle of getting my second drawl when the mortgage was sold. Freedom Mortgage has not honored what round point was given me. I have tried to fix this with them and I just get the runaround. Now my builder has pulled off and I owe money to the lumber company and other contractors. If things are not paid by the XXXX of next month I will be charged interest for what I owe.

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 2020-06-02
Company: TRUIST FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Suntrust closed a very recently opened account for no immediately discernible reason. I find their action as unacceptable as well as customer services refusal to allow me to ascertain whatever their rational because the account closure department is conveniently unavailable to discuss details ( not client-facing, I surmise ). I now must await physical mail noticeunreasonable and ridiculous in 2020.

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 2023-01-14
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


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 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 2021-08-22
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I began to get alerts notifying me that someone was applying for credit using my social security number. I have not applied for nothing. These companies reviewed my credit without my permission.

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 2021-08-22
Company: CAINE & WEINER COMPANY, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Cain and Weiner is a debt collections company used by XXXX XXXX XXXX XXXX. 
Caine & Wiener been contacting myself and stating a company that I was affiliated with owed a much larger balance to the original creditor. They stated the balance was a certain amount and in fact the actual amount is much lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX are trying to add back taxes on to my mortgage that I incurred while with a previous mortgage company. My taxes and insurance have all been accounted for with my escrow. Ive complained enough that I went to refinance with another company and they tried to tell that company that I was behind in XXXX. Thats the month I appealed the previous taxes and was told it was resolved. This company is a scam. I have legal representation that Im currently acquiring.

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 2021-08-22
Company: ThunderRoad Financial, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is about a XXXX report I reviewed and seen a negative account thats on there, the account is called XXXX- Thunder Road address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, Date Opened XX/XX/2014, it states there is a XXXX balance but it also states the account got transferred/sold but doesn't give any other information, this doesn't Belong to me please delete Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Experian Information Solutions Inc.
State: TX
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:
Recently I looked at a copy of my credit report and noticed some things that is VERY upsetting! The account XXXX Account # - XXXX are reporting some very inaccurate things. I have tried and tried numerous of times to dispute this account with them through Experian & XXXX but I guess I will have to go higher up to get this solved. This account is a CLOSED CHARGED OFF account. Which means IT CAN NOT INCUR INTERESTS!!!! The company has legally been compensated for the loss & can not continue to add fees, a charge off is essentially a DEAD account. There should be no changes reported to it AT ALL!!!! I have tried to request a 1099 from the company to show the correct balance as proof, but they refuse. I have screenshots through a monitoring app and also an EMAIL from the associate thats handling my account with the CORRECT balance. The correct balance is {$9000.00} ''. EACH month it increases and now its at {$12000.00}. This has been going on for TOO LONG. Obviously, they have not been investigating anything because this is totally wrong!!!! The account is closed and I dont have the vehicle anymore. Please get this right for 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 2020-10-30
Company: EQUIFAX, INC.
State: IN
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: Billing dispute for services

Complaint:
Back in XXXX, I had a secured credit card with XXXX XXXX XXXX XXXX. There was fraud on the account, which resulted in a new card issuance. XXXX charged back too many accounts, which resulted in a disagreement as to debts owed. My secured limit was {$1400.00}, I closed the account and was told I owed {$850.00} dollars. I disputed it several times to no avail. 

In XXXX, I received a 1099-C ( Cancellation of Debt ) from XXXX for this {$850.00} dollars. XXXX reported to the credit bureaus that the {$850.00} was a charge off- in XXXX. 

On my XXXX tax return, I added the 1099-C to it, and of course it acted as income, for which I had to pay taxes on. 

In XXXX, XXXX, I disputed this transaction with all 3 Credit Bureaus, I also submitted a copy of the 1099-C, as proof to show that this was no-longer a Charge Off, and that in fact this is basically a Charge Back. XXXX credit card department is upholding this as a current debt. 

I tried calling and speaking with XXXX, but none of the associates, even their supervisors understand how a 1099-C works and believe that the debt is still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 i walked into my local Chase financial institution and deposited what i believe was {$960.00} into an atm machine located just inside of their doors. Im not 100 % sure of the amount because fooloshly i expected the atm to count it for me. Instead of my deposit going like normal, my money was taken and i was given a receipt that said there was an error. I immediately approached the desk and asked for help but they refused and advised i would have to file a claim through the number provided on the receipt. I did tjst right away. A few days later i received notice thatu cla was denied and mu account had been closed! When i called they said no money had been located and thst after their investigation they had concluded i put RUBBER BANDS into the machine and not money. Just ridiculous. I immediately went to the bank because surely there was a mistake. While there i got no resolution and was actually escorted out by police fpr trespassing. That day i escalated to the executive level and as a result another investigation was opened. A few days ago i was given the final decision which was no different from the original decision. It was XXXX from corporate who delivered that news via voicemail. I have asked and asked for video but was told they only review it for vandalism or if a crime was committed. There was a crime and my money and account are gone now. Please help!!! I can not afford this and have been put in a major bind because of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The balance on account info does incorrect and not updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX shown : {$7700.00} Actual balance : {$7000.00}

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 2023-04-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JPMCB INC After reviewing my credit report i have noted some discrepancy this is not my debt I should not be help liable this is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I called several times XXXX, XXXX to Toyota XXXX XXXX to request the cancellation of extra fees on my loan : A service contract of XXXX dollars and a maintenance fee XXXX dollars and They told can I couldnt cancel them, I communicated again today XX/XX/XXXX to make a new request and they told me that both warranties were expired XX/XX/XXXX and I couldnt request refund, this opportunity I spoke with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX to XXXX Struggling to pay mortgage, home was worth less than the mortgaged paid. Reached out to Wells Fargo for help they told me to do a loan modification because behind on payments to avoid foreclosure. I wrote letters every month. They told me I do not need a lawyer but foreclosed on my and short sold my house to someone else.

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 2018-10-21
Company: EQUIFAX, INC.
State: FL
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:
As the attached pdf document shows, XXXX XXXX requires applicants to acknowledge that a certain web form is NOT a credit card application. Nonetheless, after filling it out and proceeding to a subsequent page, my XXXX credit report shows a hard inquiry from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I went through a divorce and applied for a loan modification through Bank of America. They required my ex-spouses signature on the application in addition to the quit claim deed and divorce court order. It came to my attention this XX/XX/XXXX that I have not been receiving mortgage statements from B of A and I did not receive my interest statement for tax filing purposes. I called B of A and was told that my former spouse called them in XX/XX/XXXX and requested an address change. When I asked them how they could change an address and not inform me I was told that he is the primary on the loan and they had no obligation to inform me. As a result of the change of address B of A discontinued mailings to me. Therefore I was unaware of an increase of XXXX in my mortgage and was issued a late fee. I have made several requests for XXXX XXXX to be removed from the loan and have been told I must go through assumptions and re-qualify and pay approximately {$1500.00} for this process. I believe I am and was discriminated against as a female in the application process as I was gainfully employed at the time of the modification and thought I was assuming the loan at that time. I do not understand why XXXX XXXX, who was was divorced from had to stay on the loan.

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 2023-06-13
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was unaware of a debt until it showed up as a negative report on my credit report. My apartment complex that the debt it supposedly owed to never told us the debt was owed ( {$700.00} ) after moving out or told us when it needed to be paid by. We moved out in XX/XX/2022. 

Around 5 months later I had not received any notice from the apartment complex the amount was due and was going to be sent to collections. The first I found out about the debt was around XX/XX/2022 when I got a negative report on my credit report as it had been sent to a debt collector. 

I had not received any type of written notice about the debt being with a debt collector or given the ability to dispute the debt. I still have not heard anything from the debt collector in written form or by phone or email. It has been over a year since I moved out of the apartment. It has now been sent to collections and has greatly impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX capital one added that I was late XX/XX/2021 when I had a auto payment scheduled. Regardless the fact I have two payments paid that month overall there excuse when I talked to them was that because the auto payment wasnt enough cover the exact amount needed be paid it showed as I didnt pay which is not my fault because I have them on auto payment and they should be okay with raising it if needed if I supposedly owe more not wait and give me bad remark and I always pay everyone I have no other negative remarks on my credit cards. I want keep it professional keep my 7 year relationship with them. I called tried speak for help three times last day was today XX/XX/XXXX and they stated they cant do anything about it. They wanted me send them what my credit report was saying because they are stating they did not add that I had a late payment. this is only negative thing on my account Im thankful for my partnership want to make it keep lasting but I would need help assisting me with this issue. I would really appreciate that this is removed from my credit report. I make all my payments on time and very grateful. Im just very confused why they keep saying they never reported it as a late payment when all my apps clearly state that. Please assist me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: EQUIFAX, INC.
State: TX
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:
Good Day, My name is XXXX XXXX and the reason I reaching out is to complain on Equifax and how they have been lacking of reaching out or reporting to me on any updates. They have exceeded the 30 days multiple times and yet I have not seen no change or any movement on my account. They are reporting accounts that are not mine and I need to get this resolved as soon as possible. I already have mailed multiple letters through certified mailed, which are dated, and listed everything listed as detail as I could be. I have included everything they required and I still have not seen nothing change. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation