BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
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:
I WAS A VICTIM OF IDENTITY THEFT BUT I'M NOT GETTING ANY HELP FROM THE CREDIT BUREAUS. I HAVE TRIED TO SUBMIT MY INFORMATION SEVERAL TIMES BUT THEY KEEP SAYING THE ACCOUNT IS VERIFIED AS BEING MINE.

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 2022-03-13
Company: EQUIFAX, INC.
State: IL
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:
the unauthorized use to report unauthorized hard inquires use of showing my SSN they didn't removed all closed account and all account that have been paid in full and all address etc on my credit report with my consent this put them violation of XXXX8 U.S. Code 1030 15 U.S. Code 1681 42 U.S. Code 408 15 U.S. Code 1681r 15 U.S. Code 1681g

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX entered a consumer credit transaction with SALLIE MAE. I never gave this company permission to send me a bill or state that I owe any amount. At some point SALLIE MAE gave my information to NAVIENT/ DEPARTMENT OF EDUCATION which was a violation of my right to privacy as a consumer. Pursuant to 15 USC 1692b ( 2 ) a debt collector can not state that a consumer owes any debt but, now I have been receiving bills monthly stating that I owe on these alleged debts. I know that no loan was actually given because no bank can legally loan any money and they can not originate credit, just extend our own credit back to us. In all the bills sent to me and supposedly contracts their are several TRUTH IN LENDING violations, as well as FDCPA violation which have been marked on the attached exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Experian Information Solutions Inc.
State: MI
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 XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602A. States I have the right to privacy. 
XXXX5 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 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 2019-08-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS foreclosed on my home with a tainted assignment while the account was coded dispute. I called twice and both times the SPS representatives told me the sale would not take place. I learned today that my home foreclose and sold back to the lender. This was definitely a promise estoppel on SPS

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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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've continuously been sending letters to XXXX XXXX XXXX on XXXX the XXXX, XX/XX/XXXX, XX/XX/XXXX Same for Transunion, XXXX and 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 2022-09-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I requested a full investigation and debt validation on this collection, XXXX XXXX, but I am still receiving the same response ; the account " verified '' but they do not provide VALIDATION AND PROOF OF CLAIM. Even I do not receive ANY communication from Collector notifying about this debt. Also the Debt Collector illegally report this alleged debt to credit bureaus without following the procedure establish in FDCPA regulations. 
The credit bureaus, EXPERIAN and XXXX, and the Debt Collector ( XXXX XXXX ) are violating the law, under the Fair Debt Collection Practices Act ( FDCPA ).

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 2022-09-08
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:
My XXXX XXXX XXXX loan first showed a 60-day late payment for XX/XX/2021, they then changed it to a 60-day late payment for XX/XX/2021 and now it shows as a closed account. I tried calling multiple times and they keep saying they can't help me with it even after i disputed it. Equifax is the only one showing these inaccuracies. XXXX nor XXXX show this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
There are a few things, applying payments and fees associated with them not applying my payment. As well, I never received anything telling me my due date so paid the card with Synchrony Bank as I did my other account, for the first of the month. I also have no idea what my interest rate is. 
On XX/XX/XXXX I received a reminder to pay my XXXX account with Synchrony and found that odd as I had done it. I logged in to see there was no payment applied. however, the payment was debited from my checking account. Synchrony applied the payment for XXXX to Care Credit, resulting in 2 payments to Care Credit and none to XXXX. when I contacted them they said they would look into it. I sent them proof yet they still notified me that they could not verify the payment. 
I also complained about not receiving anything telling me what my due date was and that I just made my monthly payments, only to discover they were applying late fees every month except for the first payment - guess I just got lucky. 
However, after I complained, they then lowered my credit limit, and not that it matters as I will be paying off that account and closing it, but it appears retaliatory. This has been going on for over 1 month

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 2022-09-08
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that these companies absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
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 information incorrect

Complaint:
There are several discrepancies that are showing on my credit report that and five by student loan 's. Each credit report is showing a different amount I need all of them to reflect the lowest amount and I 'm also requesting not Verification but validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I used my Wells Fargo Visa credit card to purchase a XXXX XXXX XXXX trip that I was solicited via telephone. When speaking to the sales person I inquired about the various places I would like to travel to, for example XXXX, XXXX, XXXX, and XXXX. I was told yes they had resorts in those locations so I proceeded to purchase the package for {$1100.00}. This was the first time I used this credit card. I called the credit card company on the day I made the purchase because the card was turned down. In speaking with the credit card customer service I asked if I changed my mind in a couple of days could I cancel the purchase, this was on a Friday evening so I had the weekend to change my mind. That Monday morning I called the credit card company to cancel the purchase because I had recieved an email with the various resorts they offered. None of the locations I had requested was included in the resorts. When I called XXXX XXXX XXXX about my concerns I was told they may offer resorts in the areas I was interested in at a later time. I informed them I wanted to cancel my trip. On that same day I called my Visa Credit card and requested they cancel the purchase. I was told that the purchase did not show on the card and that they would cancel but I should follow up in writing. I faxed them in writing the reason for my cancellation. In XX/XX/XXXX the charge was deleted from my account. In XX/XX/XXXX this charge reappeared on my XX/XX/XXXX billing account. I called the Visa Wells Fargo to see why they put it back on my account. I was told something about a third party charge and they would not take it off. They insisted that I use the trip. When I tried to book my trip around XX/XX/XXXX ( trip expiration is XX/XX/XXXX ) I was told by XXXX XXXX XXXX that my trip was under dispute and I could not book it. Once again I contacted my Wells Fargo Visa credit card company to help me resolve the dispute issue. On a three way recorded call the credit card company told the Vacation sales person that they had charged me the amount and they had been paid. After much discussion, the credit card company agreed to send written documentation that they had paid the trip and that I was being charged. I still have problems about getting information on the various resorts and what is offered at the resorts they offer. I no longer trust this company and because I had initionally requested the credit card company cancel this charge ( before it was charged to my account ) it should be removed from my credit card.

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 2022-09-08
Company: Acra Intermediate Holdings, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citadel paid my home owners insurance late causing my policy to be cancelled and payment to be returned ( to me ). 
I had to secure insurance on my own. 
This money came out of pocket. I had to wait on refund that the insurance company sent to me and this caused a late mortgage payment. I was told this would cause a late fee but it would be waived once everything was settled. It was not. 
Citadel also hit my credit score on XX/XX/XXXX and XXXX. Making two claims for one account!!! 
Additionally, this has effected my escrow and will ultimately cost me more money in loan interest. I have over 8hrs of personal time invested into this situation and Citadel has proven to care NOTHING about customer service. You can NEVER talk to the same person twice and everyone give you a different story.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22
Company: Comerica
State: UT
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I lost my direct express card. I called direct express at XXXX. They said for a small fee that would be deducted from my card balance, I would receive my replacement card in 5 to ten days. on the 11 th day I called as had not received it. They said my new card was issued on XX/XX/XXXX. then a support person told me it would be 21 working days. I said if I was told it would be a month I would have taken the option of XXXX XXXX. It has been 36 days, I can not access any of my money or pay any bills. The last thirty calls to them, after giving the requested information, my name, ss #, and DOB, I am either hung up on, disconnected or they say they are transferring me. I have been placed on hold for over 2 hours before hanging up and calling back. The same treatment again, by every single support person that answers. I have asked to speak to a manager, They will transfer me they say, no one ever picks up. there is nothing I can do. they will not answer any questions or say anything to help. just hang up or put me on hold indefinitely. I still have no card, no answers, no money, no help, and no idea what to do or who to complain to. absolutely unprofessional, insulting, condescending contumelious attitude, this has damaged me, cost me money, and hurt my standing with creditors, yet they do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have a balance on my American Express Card of {$540.00}. I paid them on XXXX {$400.00} and XXXX {$450.00} and I owe them XXXX they called me the other morning at XXXX in the XXXX. I am XXXXyears old, lost my job and am sick. They have been harassing me. They call me two to three times a dayand yesterday besides calling they sent two e-mails a day, I told them when I get my social security check on Wednesday.I will make a payment. Tonight when I called I asked to speak to a customer service rep they would n't let me and kept asking do you want to make a payment and I kept saying no and they finally let me into a rep from XXXX who could not answer my questions I have never been treated like this they also charged {$78.00} interest which the rep could n't find. I find the number calls galling wen I told them my situation an I think it should be stopped .I ALSO HAVE MADE NO PURCHASES since I lost my job on XXXX XXXX,2017

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
>XXXX XXXXXXXX, 2022 : XXXX products were purchased on XXXX using my credit card number. 
>I was alerted to the transaction and immediately reported the incident to XXXX and my credit card company ( Capitol One ). 
>I was issued a new credit card and an investigation was started by Capitol One. 
>After about 2 weeks, the charges were removed from my card balance, then added back to my balance a week later. They stated that after further investigation, the matter had been resolved, and I was responsible for the charges. 

>I then sent them a certified letter ( XX/XX/2022 ) with evidence that XXXX had delivered the packages to a different zip code and that I had not ordered, nor had I received the items in question. 

>They never responded to my letter, so I sent a follow up letter. ( XX/XX/2022 ). As of this date, they have not responded to either letter. 

My understanding is they have 30 days to respond, which they have not done. I also understand I may withhold payment on the disputed charges, but I have been making payments as I am concerned this may adversely affect my credit. 

Please help me if you can. 
Yours Truly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: EQUIFAX, INC.
State: MI
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 XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602A. 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 2017-06-20
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I was a patient at XXXX XXXX XXXX XXXX to receive XXXX in my XXXX. I paid the amount due at the time of the visit, which was something like {$100.00} - {$150.00}. The remainder of the bill was sent to my insurance company. Unbeknownst to me at the time of needing XXXX in my XXXX, XXXX XXXX XXXX XXXX was not in network for my insurance company, and as a result I ended up owing additional funds to the service provider. They sent me a bill, which -- as happens from time-to-time -- fell through the cracks as I was traveling a lot for my job during that period. A few months later, the bill was sent to AMCOL Systems for collection. This is very atypical for me ; I have worked very hard for the better part of my adult life to establish good credit. I am very protective of my credit score, and it was never my intention to willfuly ignore the debt. However, my job continued to be extremely demanding at that time and required that I move my family to a new city. On XX/XX/XXXX I contacted AMCOL to pay the debt. Rather than negotiating a discounted payoff, I asked them if they would remove the collection from my credit report if I paid the debt in full. They did tell me that it was unlikely they would have the debt removed from my credit, but that a " paid in full '' status would be significantly better for my credit than " paid as agreed. '' I did pay them in full, but my credit has not improved as they said it would. I 've since called them multiple times and talked with multiple people asking them to please stop reporting my paid in full debt to the bureaus, but they simply will not do it. I know they absolutely have the ability to have the bureaus remove the collection from my report, but they simply choose not to because of their company policy - a policy that clearly is not in the best interest of American consumers. Not only is their policy unfair and unjust, but they continue to report to the bureaus every 2 weeks that my debt was paid in full, which keeps it at the top of my credit report and will continue to make it appear as a young debt. At this point it just feels spiteful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 



ACCOUNTS : XXXX XXXX XXXX XXXX {$530.00} XX/XX/2017

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 2017-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I had a Chapter XXXX Bankruptcy discharged XXXX XXXX, 2016. On XXXX XXXX, 2016 the original creditor sold the account to XXXX XXXX XXXX and it was placed on my credit reports with both Transunion and XXXX. On XXXX XXXX, 2016 XXXX additional collection accounts were placed on my credit report from XXXX XXXX. Instead of viewing the information and determining the accounts were from original creditors who were included in the bankruptcy and not adding it to the file, they were added as new collection accounts with comments stating they were included in bankruptcy on Transunion and listed as closed accounts on XXXX. They should have never been added because the debts with the original creditors was discharged.

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 2017-06-20
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
To help in resolving communication problems we are having in understanding the responses provided and received from Specialized Loan Servicing it is most important our two requests be provided.
1 ) The first request is : We are encountering problems concerning the previous communications with Specialized Loan Servicing during the months of XXXX XXXX thru XXXX of XXXX. We are requesting the copies of all written correspondence between us during that time period to confirm they are from XXXX and XXXX XXXX 2 ) The second request is : Please provide the date of the first correspondence that SLS provided and sent the alleged Home Equity Credit Line and Disclosure Agreement showing the rubber stamped endorsement of XXXX XXXX XXXX next to signature of 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