BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-13
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:
This account is not mine was disputed back 2016 ans it was remove from my credit bureaus, Not it appears that new collection agency has being assign, And once again had reported to XXXX and Trans-union, please see attachment credit report.

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: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received an email that my Care Credit account was closed. The account had a XXXX balance and has been in good standing for over 3 years ( always paid early & never missed or was late on a payment ). While 5rying to dispute, company hung up on me and threatened to close my other Syncrony accounts that are also in good standing.

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 2022-06-10
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: Information belongs to someone else

Complaint:
I called Tell them I have a fraud account but I cant understand them and they help 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 non-monetary relief
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
When I tried to logon to my Experian account on XX/XX/2022 my User ID and/or my Password were not accepted. I then tried to reset my credentials using the Experian website application. I was notified that instructions and a link would be sent to me by email. 

My actual email address is XXXX. The address the reset instructions were sent to was XXXX. So the address referenced in the message from Experian appears to be partially correct and it was also partially wrong and the .com extension needs to be deleted.

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 2019-07-25
Company: STERLING JEWELERS, 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:
Filed a dispute with an old credit card that has been paid in full. Asked XXXX XXXX, XXXX, and XXXX to investigate and verify the account. The account still shows charge off and also derogatory on my credit profile. The creditor agreed after payment to remove from all three credit bureaus. Which has not happened. The payment history is showing unknown therefore it is an unverified account reporting to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: JPMORGAN CHASE & CO.
State: NC
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:
I was a victim of Hurricane Florence and the Tropical Storm that occurred in North Carolina. I informed each of my credit card companies that my job had us out of work due to the damages that occurred and that I would not be receiving any paychecks. I was still charged excessive fees and they did not work with me, but broadcast on their website that they care so much about the victims affected. I am unable to pay the fees that were charged back to these companies. I can take care of what I owe personally but the fees need to be forgiven so that I can get back on my feet. My credit score has dropped terribly because of this. The representatives are cold and inconsiderate and always state that there is nothing that can be done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was listed as an Authorized user on a my mothers Wells Fargo Credit card. I have asked several time to me removed form this account with no help from Wells Fargo and them also telling me it was to bad your on and can't be removed. My Mother has since claimed Bankruptcy and that card was filed in it and has been closed. I have ask since then also to have the information removed with not help what so ever.

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 2019-07-25
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Well i just sent you all a complain against XXXX about not been far under the fair credit report act ... XXXX stated that they let me know and they didnt valid and let me see a where i sign to give these people permission to run my credit i file a credit freeze several times and they never got back with me about the freeze it should work like this if u have a credit freeze on your report they shouldnt let your credit be ran and contact u to see if u gave them permission to ran your credit they are breaking all type of federal laws if you all look at the time i put the freeze on my credit my credit was ran i HAVE XXXX XXXX XXXX XXXX AND THIS IS STRESSING ME OUT WITH THESE PEOPLE THAT BREAKING THESE FEDERAL TRADE COMISSION LAWS THAT WAS PUT IN PLACE TO FOLLOW FEDERAL I HAVE XXXX XXXX XXXX. I HAVE OTHER MEDICAL ISSUES AND THIS I DONT NEED TO BE GOING BACK AND FORT ... CALLING THEM AND DISPUTE ITERM AND IT DONT MOVE NO WHERE I NEED TO SEE A SIGNIFICANT WHERE I SIGN THESE DOCUMENTS GIVING THEM PERMISSION TO RUN MY CREDIT AND JACK IT UP ON INQUIRES SIDE AND 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
Consumer complaint received 2019-09-10
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have called to let the bank know that there was a transaction that was cancelled on XX/XX/XXXX, but my credit card company still removed the funds on XX/XX/XXXX. I called my bank and told them this wasn't authorized. After it was reversed it seemed that the money was taken out and I put a dispute in. My account is overdrawn because of the automated XXXX dollar transfer to my savings account. Now my account is overdrawn and I have pending transaction that is gonna add up to XXXX DOLLARS NOW! THIS IS RIDICULOUS THAT THE SAVINGS TRANSFER CAUSED ME TO HAVE AN OVERDRAFT AND NOW IM GONNA GET A FEE FOR THE XXXX  TRANSFER ON TOP OF THE TRANSACTIONS THAT WERE VALID! IM SO XXXX TIRED OF TD'S XXXX SYSTEM!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-25
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:
XXXX XXXX XXXX been paid down with XXXX Fcra violation XXXX   refuse to correct teh amount the next step is just disputing a card thats mine b/c they look at any other way

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX been paid down with XXXX Fcra violation XXXX refuse to correct teh amount the next step is just disputing a card thats mine b/c they look at any other way

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 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX been paid down with XXXX Fcra violation Transunion refuse to correct teh amount the next step is just disputing a card thats mine b/c they look at any other way

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 2017-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I 've been paying PMI for over 12 years. My amortization schedule finally hits 78 % which means PMI automatically drops off but Bank of America refuses to remove it saying I have to pay for an appraisal?!?! And the appraisal company I have to use has business ties to Bank of America. Hello conflict of interest. So with Bank of America you have PMI for 30 years unless you pay XXXX of their business partners money to do a new appraisal? This ca n't be right but after numerous electronic messages and phone calls here I am, 12 years later, and still paying PMI.

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 2017-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My FICO score provided by XXXX XXXX XXXX does not reflect my good payment history. My score during XXXX XXXX - XXXX XXXX was XXXX and was lowered to XXXX during XXXX - XXXX XXXX. The most recent score for XXXX XXXX was downgraded to XXXX despite the fact that I 've never had one single late payment on my credit card since XXXX XXXX. I 've called XXXX XXXX XXXX and they confirmed my impeccable payment history but could not explain why my FICO score got lower.

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 2017-10-18
Company: Revenue Assistance Corporation dba Revenue Group
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
There is a debt on my credit bureaus from Revenue Group. XXXX {$3700.00} ) First I disputed the debt in which I was notified they would notify me once their investigation was complete, I have yet to hear from them. I asked for full verification not just to confirm my address. I want proof this debt is mine with verification of my signature stating I agree to pay this debt, any insurance payments or denials regarding this debt and verification where I authorized the original creditor to release my information to a third party. Revenue Group has called my place of employment on several occasions and they have been told not to contact me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2019 I sent written correspondence to Transunion regarding address information on my credit report that does not belong to me and in fact is being placed therein by the association to my ex-wife. TransUnion stated in their response here on a complaint I filed with the CFPB that this information was corrected. As of XX/XX/2019 over 4 MONTHS LATER the information remains on my credit report. 

These credit reporting agencies have too much power and hurt the average person who does not have the smarts to keep an eye on them. This results in the consumer paying higher interest rates due to misinformation being reported by the agencies. 

I am sending correspondences to my congressmen and senators to ask for more oversight on these agencies and more law enforcement rules and regulations. These agencies can place information on a persons credit report in minutes but take 30 to 60 days to remove something. This is wrong and hurts the person they do this too.

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 2019-07-25
Company: Experian Information Solutions Inc.
State: AZ
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The XXXX XXXX acount that is on my Experian report was to be removed as it was a fraudulent account. and I was found not responsible and to have it removed from all three credit beaures.

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 2017-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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 found an URL on my Bank of America Credit Card webpage. I have XXXX credit cards and for XXXX credit cards page it is showing a link " Request for increasing a credit line '' and I clicked so. But requesting of increasing of a credit limit is not a hard check. I found that they made a hard check for me twice for my XXXX accounts thus it reflects my credit score. Snapshot are attached with this complain

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 2022-08-05
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
M & T Bank holds our mortgage and escrow account. They have delayed in paying our XXXX taxes so long that we have received a Tax Lien notice on our property. 

This is the 2nd year in a row that they have delayed in paying our taxes. The XXXX taxes were not paid until XX/XX/XXXX, and only paid after repeated phone calls from us to M & T Bank. 

I have phoned M & T Bank 3 times since XX/XX/XXXX to report late tax notices regarding the XXXX taxes. I have received no action on their part to correct the issue or payment. 

Due Date for XXXX taxes was XX/XX/XXXX for the amount of {$2500.00}. They remain unpaid today, XX/XX/XXXX, and have increased with penalties and interest to {$3500.00}.

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 monetary relief
Consumer complaint received 2019-11-21
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
A unprofessional, who thinks he is an alpha male came from up north to do my loan, he doesn't have much of personality and was condescending, thinks women are below him. I was suppose to be able to re-do the loan to lower payments which I have tried to speak to someone about this and I just get the runaround and never get to speak to anyone. I feel that I've been taken advantage of and or discriminated against to say the least. I make my payment every month on time and I've lost one of my incomes and have been trying to get this loan re-done to lower the payment but I just keep getting transferred and never to anyone that can help. Ameris is very unprofessional and discriminating against females.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Apparently, this company REFUSES TO REMOVE THE DISPUTE REMARKS, AND TAKE MY PAYMENT!!!!!! THEY HAVE DIRECTED ME COUNTLESS TIMES FROM ONE PHONE AGENT TO THE NEXT!!!! THEY SEND ME COUNTLESS COLLECTION LETTERS, YET, THEY DO N'T WANT TO RESOLVE THE ISSUE/TAKE A PAYMENT, BECAUSE THEY KNOW IT RUINS MY CREDIT AND IN TURN, MAKES IT DIFFICULT FOR ME TO OBTAIN A MORTGAGE!!!!! I 'M TRYING TO CLOSE ON MY HOME, AND THEY 'VE MADE IT DIFFUCULT DELIBERATLEY!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, Pursuant to 15 usc 1681a ( 2 ) ( B ) " any authorization of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device " Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is '' the term " credit card '' means any card plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' Notice, congress said Any car. The credit card is my social security car. This is the credit card I used to originate every consumer credit transaction below. It should be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). This is a violation of my rights as a federally Protected consumer under title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
It is difficult to understand why I am a customer of Navient as I have never solicited this company in any regard. I was merely emailed as my original loan holder must have passed me off to Navient without my knowledge or permission. After Navients meddling in my account I am now in a far worse financial standing and understand that not only has my student loan total balance increased by at least {$2000.00}, my monthly bill nearly quadrupled. Mind you I have made payments on time every month for years, I am in now in a far worse financial situation having been a customer. Following Navients instructions to reapply for an Income Driven Repayment Plan, I am furious to discover this plan has added to my total debt. How can this even be called a Repayment Plan if it actually worsens my financial dilemma? Why would such a plan exist, other than to rob me in a fashion that only gets worse the longer I am under the auspices of Navient? <P/>The plans I have been enrolled in by Navient and their financial repercussions were never expressed to me in any language other than very fine print legal jargon, which I dont understand, as I do not have a law degree. What I do understand, is that I actually owe more now than I did before Navient took over my account, validated by calling a front-line customer service agent of Navient ( XXXX, ID # XXXX ).

Company response to consumer: Closed with explanation