BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX is not reporting an account on my credit report that is in excellent standing I have requested this account be put on my credit report. The account is XXXX. Having this account report would help my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: AMCOL Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello - During the last few years we have had multiple medical bills that have went into collection after my husbands XXXX XXXX. We in good faith paid some to the collection agency so that it would not be reported. We paid {$290.00} in XX/XX/XXXX to prevent any reporting to my husbands credit report.
They took the money and misrepresented how the money would be used to pay off the debt.
They did not use the money to pay the oldest debt of {$130.00} from XX/XX/XXXX and that amount went into collection. They divided the money up between several accounts and only put {$5.00} towards the oldest balance of {$130.00} which left {$120.00} that ended up getting reported in XX/XX/XXXX. We received NO notification that it was reported. When we ask why the money we paid did not go to the oldest debt, they did not have an answer. I was however told that how that they distributed between multiple accounts and paid the the newest ones because they make more money off of newer " not stale '' debt. I am outraged and deeply bothered by this. On top of that we have paid the hospital directly and they NO ONE did any verification to confirm the amounts are valid and have not already been settled directly with the hospital. I have disputed verbally the validity of any debt owed to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
XX/XX/XXXX American Express raised my credit limit over 100 % and offered me a 0 % promotional rate on this new credit limit. They sent me a XX/XX/XXXX decision letter reducing this limit even though I paid all minimum payments. They re-instated my highest credit limit after they extorted a {$3800.00} payment from me. I thought I successfully uploaded my response letter to them on XX/XX/XXXX but I also mailed my response letter on XX/XX/XXXX. They said they would respond XX/XX/XXXX but haven't. I am uploading both these said letters to you. Restoration of my credit limit after extorting me is not a sufficient remedy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: Professional Datasolutions, Inc.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Here is the third letter that I have written to Zipline. It explains the situation. I also wrote XXXX and asked for their assisantance in resolving this matter too. 

This is the third letter I have written you and have not received any response. I know you received my letter because you cashed the enclosed check. When you cashed the check on XX/XX/19, I assumed that the matter was resolved. I was surprised to get a call a few days later from XXXX saying I still owed {$80.00}. I told them that I resolved the matter with Zipline and they cashed the check to put my account back on good standing. They said that it was only a partial payment. I asked them to call you but they refused. 

As you may recall, I was a victim of XXXX. I had to temporarily freeze the account until I resolved the issue. I worked with XXXX XXXX and the got all the transactions resolved except one. You can imagine the work involved in reviewing all your transactions and calling the companies to get them resolved. They all understood and waivered any fees associated with the freeze on the account and reprocessed the transactions. 

Zipline was the only outstanding issue I needed to resolve. I was relieved to see that you cashed the check and consented to waiver the fees as per my letter and instructions. When I looked deeper into the check and saw that you altered the check by adding their name to the Payee field. The check was made out to Zipline and you added XXXX. I dont believe this is legal and certainly not ethical. I have tried to resolve this issue in good faith but have been unable to. You have not responded to my letters. 

At this point, I believe we need to go to arbitration. I dont want to do this but based on your lack of response, I dont see any way forward. I am a XXXX XXXX and can not afford any cost arbitration costs. Please inform me of the next steps. 

My account number is XXXX. My reward card number XXXX. Being a victim of XXXX is not fun and I am hoping you will work with me to conclude this matter.

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 2022-06-20
Company: Experian Information Solutions Inc.
State: ND
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:
in accordance with the fair credit reporting act my rights have violated. 

15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions united accounts- {$4100.00} XXXX XXXXXXXX XXXX {$2000.00} XXXXXXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXXXXXX capital 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 2019-11-25
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a settlement letter from XXXX XXXX XXXX XXXX XXXX representing American Express for a debt I owed of {$4000.00}. The settlement offer was for {$1400.00}, which I accepted and paid off in full by the dates outlined in the letter by XXXX XXXX, XXXX. However, the public record continued to show in XXXX XXXX records through XXXX. I was unaware that the debt was still showing as not paid. I was made aware in XXXX XXXX when I attempted to make a house purchase and was notified by the loan officer. I immediately reached out to both AMEX and XXXX  XXXX  to clear up the bad record. I provided the settlement letter and proof of payment. I received a court release letter in the mail two months later. It has been cleared ; however, during the time it was on my record, I refinanced a home and purchased a car but did not receive the best interest rates and paid more. I was also denied credit with some other creditors as well due to the negative mark on my credit report and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted Santander Consumer 4 times. I wanted to settle the debt of XXXX dollars. They told me if I paid XXXX dollars of the debt it would be updated and removed from my credit report. I requested confirmation of this on 3 separate occasions. They have yet to update this on my credit report. It is still stating that the debt is owed and I yet to receive the confirmation letter from the company, though I requested this information on several occasions. I would like my XXXX refunded to me the original charge off date returned to me in the form of a check or redeposited into my bank account or this debt removed from my credit report. This is falsification of information and I would have never restarted this debt had the company not lied and stated the information would be removed from my credit report. I am making strides to fix all things on my credit report and I 'm very upset that they are n't being truthful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Kramer & Frank, P.C.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
In XX/XX/XXXXI went to XXXX XXXX XXXX ( owned by XXXX XXXX ) a check cashing agency in XXXX XXXX MO to help pay my bills due to being a single mom that was getting no child support. Unfortunately, things got difficult for me financially and I ended up defaulting on this loan. I was taken to court and my pay ended up being garnished in XX/XX/XXXX. The case information for that satisfaction of Judgement with the XXXX XXXX XXXX Missouri Courts is as follows : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. It states clearly that I paid it in full as a Satisfaction of Judgement is clearly indicated on the files that can be viewed by the public on Missouri Case.net I have also enclosed screen shots of this with this complaint. The satisfaction of judgement was entered on XX/XX/XXXX by : XXXX XXXX XXXX XXXX On Behalf Of : XXXX XXXX XXXX. I received a letter today, XX/XX/XXXX, from XXXX XXXX XXXX, XXXX. a law firm that does debt collecting ( XXXX ) XXXX referencing Circuit Court case # XXXX stating my bank account and wages will be garnished for this very same debt that I already paid for. They want {$3700.00} for a loan that was only {$500.00}. They have already garnished my bank account. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX TN : XXXX Fax : XXXX email : XXXX New Court Case E # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received a call from XXXX regarding identity theft - a new credit card was opened in my name. I was able to address that issue, and get the card shut down. XXXX recommended I place a Fraud Alert at each of the three credit reporting agencies. My main problem was with XXXX. The website is geared to selling me a subscription and involves multiple XXXX  identities - I'm was not sure who is the real XXXX  and who was their paid subscription service. I tried to log in, but each of their services had a different login and I kept getting blocked. During my 4 phone calls to XXXX, I was given 3 different XXXX   phone numbers and two temporary passwords for logins. 
I spent at least two hours trying to confirm that the fraud alert had been placed and was unable to download my credit report - I was only able to view it in pieces. When I tried again to look at the report, the charge would have been {$11.00}, since I'm only allowed one free report per year. 
The website appears to be intentionally confusing and misleading and doesn't adequately provide information as to who you are dealing with - XXXX  or a subscription service that I don't want.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Credit Burea Trans union stated that XXXX XXXX verified the bankruptcy with the courts but per the letter I received from the courts that 's not true

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 2017-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
On  XXXX   XXXX ,   XXXX  , I called  XXXX   XXXX  Tech support for assistance with my PC. The call was hacked by  XXXX  Tech Support. They said  XXXX  had hired them to facilitate all tech support. I paid the {$370.00} for  a five year Plan.  When I called in a few months later, I was told that  XXXX  was out to business. I called them, several times-no success. Then I looked on line to find that the State of Washington 's Attorney General had filed a class action lawsuit for fraud. I called Bank of America. They refused to refund me ; after I showed them the lawsuit ( online/copies ). Consequently, I filed a claim the the Attorney General of Virginia. I was told by Virginia that they could not reach  XXXX . So they put the claim in a pending file. Why would a fraudulent company answer there phones?? Not likely! I had to purchase another antivirus service.     Is there any way to recover my lost funds? Here is the website :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   Please email me at :  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 2017-08-23
Company: LEXISNEXIS
State: MO
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:
Credit Burea XXXX XXXX stated that Lexis nexis verified the bankruptcy with the courts but per the letter I received from the courts that 's not true

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
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: Account information incorrect

Complaint:
XXXX XXXX an x boyfriend has stolen my identity and has used my identity for illegal gain. I have lost my home ... lost my job and suffered several Financial losses.

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 2020-04-23
Company: CORELOGIC INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have a few items that I need to review for some legal proceedings. I would like a a full report and my full CLUE from XXXX XXXX. Please forward me a copy of my XXXX XXXX and Core Logic reports as well.

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 2021-03-24
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A Auto Loan from XXXX XXXX was opened in XX/XX/XXXX and A Auto Loan from XXXX XXXX was opened in XX/XX/XXXX both accounts has reported as bad debt on XXXX and XXXX of XXXX. I have seen that these accounts show as bad debt on my credit report and I have Mailed letters to Experian to Verify the Inaccuracies and ownership of this debt and I have not received a response back via Mail from Experian in 30 days.

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 2017-08-23
Company: AFNI INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
An account from XXXX that was beyond the statute of limitation and was since removed from credit report just showed up again as a new debt in collections that is 3 months old. This has been disputed with XXXX but I would like to report the collector who is reopening closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX  XXXX XXXX reporting under account # XXXX is a up to date current closed account that was paid in full that wasn't a charge-off. It has come to my attention that in 2017 for the months of XXXX, XXXX, XXXX and XXXX they have marked across all 3 bureaus XXXX, Equifax and XXXX 30 day, 60 day, 90 day and 30 day late payments respectively when this is inaccurate and incorrect. I have made all payments on these accounts on time and have never been late once. I am in the process of going for an apartment and due to these late payments they have severely impacted my credit where I can not qualify for an apartment because my credit is shot due to this. I need this account updated with the right correct payment history as current and up to date on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXXXXXX XXXX XXXX reporting under account # XXXX is a up to date current closed account that was paid in full that wasn't a charge-off. It has come to my attention that in 2017 for the months of XXXX, XXXX, XXXX and XXXX they have marked across all XXXX bureaus XXXX, XXXX and Transunion 30 day, 60 day, 90 day and 30 day late payments respectively when this is inaccurate and incorrect. I have made all payments on these accounts on time and have never been late once. I am in the process of going for an apartment and due to these late payments they have severely impacted my credit where I can not qualify for an apartment because my credit is shot due to this. I need this account updated with the right correct payment history as current and up to date on payments.

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 2021-11-01
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-06-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX  XX/XX/XXXX - XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX - ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received several emails from Synchrony Bank Amazon Credit Builder account that I did not sign up for saying they made trial deposits in my account for a new card. Also saying action required. I called the company and reported it to them and they said they are receiving several calls regarding this. I am very concerned that my personal information has been leaked because I have had an account with them in the past and currently have a paypal account that they service. Very disturbing and feel it should be looked into.

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