BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I'm no expert or anything but I know for sure that the three bureaus most report 100 % accurate information to a credit report, I took a look at my credit report not to long ago and there's nothing but INCORRECT items on my credit report that doesn't even belong to me. So not only is the information inaccurate across all bureaus but the items don't even belong to me. I've disputed multiple times and the bureaus aren't taking it serious, they're continuing to report incorrect items on my credit report, I will be attaching these inaccuracies to this complaint. It's honestly ridiculous. Remove ALL of these incorrect information so I can move on with my life. You are defaming me and I feel like I'm being toyed with. I also refuse to dispute directly through any of the bureaus because they clearly will not fix the problem. I'm just sick of this all together. Literally all you guys do is defame consumers for a living.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My issue is still not resolved. The form I received through the mail through Transunion does not have the pin number listed on it. The instructions indicate I need to go online to retrieve the pin. The issue is that I can not register a minor online. On Transunion website I will either get a error message or will be directed to a page that indicates I need to mail in additional documents. I have already done this twice with no response from the company. I only received a response from the company when I have filed a complaint with the CFPB which is unfortunate. I should not have to use this avenue to contact a company and get a issue resolved. The company should have effective means internally to resolve issues such as this. I must say this has become rather exhausting as I have been trying to get this issue addressed since XXXX yet it is almost XXXX and I am still trying. I would love to speak to someone personally to get this issue resolved. Even now as I have tried multiple times to call the customer service line at XXXX I can not reach anyone, just music. At this point I have been on hold for 45 minutes and still have yet to been able to speak with anyone. Can someone please 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 explanation
Consumer complaint received 2018-11-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Submitted a dispute to Experian via experian website for a Bankruptcy showing on my credit report on XX/XX/2018 and they said that they verified the Bankruptcy on XX/XX/2018 but after sending a letter to the court house they listed on the dispute results on XX/XX/2018 the courts replied on XX/XX/2018 that the US Bankruptcy Court does not report to credit bureaus. I submitted a new dispute today, XX/XX/2018 and submitted the letter from the courts and requested to have the item removed but have not received a response as of yet.

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 2022-06-14
Company: Atlanticus Services Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX I call twice today. The first time was to figure out why I got a letter in the mail dated XX/XX/XXXX which was the same day I made a payment. Telling me that I had not paid my bill and needed to or it was going to be turned off. They told me I got the letter because I paid XXXX days late. 
I hung up the phone already upset, I then went to the website and post dated the XXXX payment to come out on XX/XX/XXXX the due date. I then went on my bank account and saw that the payment posted against my bank for today. 

I called my credit card company back ( aspire ) and asked to talk directly to a supervisor. I told her about the call from earlier and that I post dated a payment for the due date onXXXX and that it came out today. She then told me if I make a payment with my debit card it will automatically come out same day. I asked her then why does the site let me pick a date and why is there no disclosure about if I use a debit card it will come out the same day that I have to put it my bank account info in. All she wanted to do was reverse the payment. But when I asked what happens if u forget or get busy on the due date and forget and pay a few days late again your just going to charge me another late fee. I asked again why was there no disclaimer about using a debit card and why was it not written any where. She had no answer. Told me I have been making payment so I had to know better. I was never told that this was an automatic thing only when I called XXXX other time a few months ago that it can sometimes happen. I got most frustrated with her and told her that all calls are recorded so she call dig that call up and see. Still no real answer as to why it is not posted anywhere about no matter what date you pick it will automatically come out same day. I told her I was filing a complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Hello, The following account ( s ) were never late. Please update or remove from my account. Thank you. 
XXXX Account # XXXX XXXX Account # XXXX The following account is not mine. Please update or remove from my account. Thank you. 
U.S. BANKRUPTCY COURT Reference Number XXXX The following account was never in Bankruptcy. Please update or remove from my account. Thank you. 
XXXX XXXX Account # XXXX The following Inquiries were not made or authorized by me. Please remove from my credit account. Thank you. 
Inquiries : XXXX XX/XX/2019

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 2017-09-11
Company: GLENN ASSOCIATES MID-ATLANTIC, 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 information incorrect

Complaint:
XXXX Disputed with XXXX XXXX, failed to provide any proof and I had no knowledge of these debts.. 
XXXX Disputed with XXXX XXXX no info provided advised info was correct XXXX  and XXXX have investigated and removed collections

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: WELLS FARGO & COMPANY
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 in which this Wells Fargo account Is a result of that. I have reached out to Wells Fargo for years now and they keep telling me that there is no case in there office I have recieved emails from Wells Fargo with a case number but I can never get any information to move forward. I have sent a copy of my FTC package and they have responded asking me to send verifying information in which I sent with the FTC package. This balance of {$140.00} has affected my livelihood for me and my XXXX kids. I keep getting rejected for an apartment because of this account that doesn't belong to me. The credit bureau keep saying that they. verified it's accurate BUT will not provide the information to me they just give a generic update.

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 2022-01-05
Company: AMERICAN EXPRESS COMPANY
State: GA
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 logged on to the American Express website to make a payment only to be greeted on the landing page by a red warning notice " account closed ''. This was a big surprise after being a customer since 2004. Especially since I have always paid my payment or contacted them to inform if the payment maybe late. I called the customer service dept and was told I could apply for a reinstatement, but 6 days later I got a denial letter stating the only reason for a denial was my current fico score. Its currently at XXXX but was XXXX for many years and I pay my bill with the same integrity now as I did in the past. Whoever decided to close my account did so by his/her opinion, not by the facts of my case, and did so rudely by giving no warning or chance to improve whatever he/she felt was the issue that warrants further destroying my credit score. I just recently completed 12 months of covid relief payment plan with success ( XXXX payments on time ) and the account closing date of XX/XX/XXXX was my early Christmas gift from Amex is an eyeopener for me since I have kept this acct open and in good standing many years naively thinking Amex was appreciative of cardholders such as I. They dont know or realize that my fico score declined after another bank charged off a credit card and obtained a judgement without my knowledge. Unfortunatetly that bank didnt get a penny from me since my disabilty retirement check is protected from garnishment and if they had left my account opened it would still be paid monthly by me. Amex will be the next failed attempt that will never get a penny from me. It works both ways, I can permanently end things with them especially since they seem to want it that way,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: NORTHWEST BANCSHARES INC
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Please see attached violations and proof within. This loan was instated as a refinance when in fact it was never financed before this XX/XX/XXXX in the name of XXXX XXXX This institution used Predatory lending acts as proven in the following statements acquired from the bank which were provided to me XX/XX/XXXX. This institution is in violation of TILA, RESPA UCR Act. Predatory Lending Act and several FTC Securities violation including usury and finance charges over and above the 36 % allowed by XXXX XXXXXXXX. Illegally created an Escrow then this institution attempted to XXXX me and threatened me with a Cognovit Note which is only to be used in Commercial Banking, and deemed illegal to be presented or attempted to used to defraud a residential consumer within the XXXX, Otherwise referred to as a Confession of Judgment. See attached.

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 2022-06-14
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent Americollect a letter requesting the for them to validate the debt with the following pieces of information ( please see attachment-Americollect Validation Debt request letter ).

Instead, I receive a generic letter without any of the information requested. 
Need original copy with my signature, need proof that they own or have been assigned the debt to collect, need payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I have had a XXXX with XXXX XXXX XXXX which can be used anywhere not just XXXX XXXX XXXX Since 2007. 

I have been making my payments, but the minimum payment went up and it is a financial struggle for me. I have called every year asking for a review to get my payment lowered. Each time I Am told there is no lowering of my payment and will not be lowered. I pay {$180.00} month just for a {$5300.00} credit card. I calculate the interest paid over the past 12 years, I have paid at least {$12000.00}. Since the balance is less that, I don't think I am asking for a lot by asking for a lower payment. 

I am XXXX and wanted to retire soon. But with this payment I am struggling. 

I am on hold waiting for a representative now. We will see how long this " Customer Service '' takes. * UPDATE I was just told that '' there is no lowered payment. '' The person who I talked to was a supervisor named XXXX. He was not able to lower the interest or the payment. He did say there is s program that can close the account and make payment arrangements. This would negatively affect my credit so that is not helpful.

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 2017-06-06
Company: Caneel Capital, LLC
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have been working on a short sale for almost 2 years. The first lien holder is  XXXX   XXXX  and they have given several approvals but  Trinity is the 2nd li en holder and they would never cooperate. They wanted it to go to foreclosure. After several attempts to get them to work with us, I tried to reach management and they would never reply to any of my messages or requests. I received a letter fro m Trinity ( attached ) d ated  XXXX   XXXX     2017  stating that my loan was being transferred to  XXXX  on  XXXX   XXXX ,  2017 . As of Today  XXXX   XXXX   2017 ,  XXXX  still has no documents transferred and I have made several attempts to get trinity to look into this. I now have a foreclosure date with the first lien holder and an approval letter stating I can close at the end of  XXXX  if I can get 2nd lien holders approval on the short sale. I can not work on the short sale as it still has not been transferred to  XXXX . I am afraid that  Trinity  is going to blow my chance of getting my short sale through.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Mark A. Kirkorsky, PC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A collection attorney has contacted me in the past, re : a debt that was not validated by XXXX XXXX XXXX XXXX. The bank has never sent any debt info, and all matters were resolved with the bank. MARK A KIRKKORSKY PC was notified of this by me, and notified me that I had been sued and already had a judgment against me. I contacted the county attorney who told me this was not true. XXXX office then told me that I would be sued. I sent a written letter to his office, asking for all original documents, and never received a response. When contacting on the phone, I was sent to a voicemail, and never received any return calls. Since filing a complaint about the threats in 2012, the calls have stopped with the exception of a few per year which are normally hangup calls, and when I dial the number it is his office, but multiple times per year he is still sending inquiries to my credit report. This matter was resolved nearly 5 years ago, when neither he nor the bank could produce any validation of debt, yet he continues to persist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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:
I XXXX XXXX XXXX Filed a complete and Accurate Dispute with XXXX XXXX and Experian letting these credit agencies know that Im a victim of identity theft and I demanded them to remove all credit inquiries I also demanded XXXX to remove a fraudulent collection from my personal credit report in the amount of {$4400.00} from XXXX XXXX XXXX and all inquiries which are fraudulent which I sign in and demanded a dispute so XXXX are aware Of the Dispute XXXX did not investigate nor did they remove that fraudulent account from my personal credit report After sending in a Filed police report theft affidavit driver license and proof of address XXXX also acknowledge the receipt of my documentation however XXXX did not remove or block that information from appearing on my personal credit report According to 605B after a knowledgeable of documentation those items are supposed to be blocked from appearing on my personal credit report Currently as a XX/XX/2022 The judge ordered XXXX and Experian to pay me {$1000.00} per violation XXXX is still failing to remove those fraudulent items and collection and anchorries as I stated before now this situation is going into XXXX XXXX Also Experian is still reporting negative and fraudulent information Accounts are : ( 1 ) XXXX XXXX ( 2 ) Possible finance in amount of {$970.00} Also ( 3 ) XXXX XXXX also Experian is reporting fraudulent and inaccurate late payments From possible finance XXXX & XXXX XXXX  Also Experian did not remove XXXX XXXX XXXX. XXXX  XXXX from my personal credit report which is fraudulent according to the fair credit reporting section 605B any consumer that identifies identity theft shall demand Credit agencies to remove or block that information from appear on their personal credit report however XXXX and Experian Failed to protect my consumer rights Also XXXX  did not complete a Full investigation banks that are being fraudulently Reported is XXXX XXXX XXXX XXXX  And all inquiries Which check systems is already aware of and I have already supplied documentation and FULL COMPLETE dispute

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 2020-02-27
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I received a letter from Covergent in XX/XX/2020 stating that I owe a debt to XXXX XXXX XXXX , XXXX in the amount of {$16.00}, XXXX and they are will to reduce the balance to {$4200.00}. It says the original creditor was XXXX XXXX XXXX XXXX. I researched all three company 's and to no avail I'm still not confident this isn't a scam. The letter doesn't disclose the type of debt and what it is for i.e, car loan, cellphone account ect. Very limited information given but they want my credit card information. Seemed fraudulent because I don't owe a debt to anyone. I called to get more information and was asked for my name, address and social security number. I refused and they hung up. 

Please report Convergent, XXXX XXXX XXXX , XXXX, and 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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying, in vain, over the course of a week, to place a freeze on my credit file at Transunion. Their website returns an error ________ We are unable to complete your request. 
What happened : Unfortunately, we are unable to process your request based on the information provided. 
What to do : Please contact us at XXXX XXXX XXXX XXXX. 
_________________ The phone number places the caller on hold indefinitely. ( I mean Forever! ) They have Never Answered this number. I have tried other numbers in their contact list but am referred back to the website. 

This company should NOT be allowed to store or report any private credit information, they are INcompetent!

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 2019-11-23
Company: Comerica
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received my benefits on my Direct Express XX/XX/2019. At XXXX I withdrew {$250.00} from my account at an XXXX ATM. I had a balance of {$45.00} left in my account. On XX/XX/2019 at XXXX I ordered food from XXXX XXXX XXXX  XXXX for {$23.00}. that left me with a balance of {$22.00}. On XX/XX/2019 at XXXX I slid my card for some XXXX XXXX XXXX in the amount of {$8.00}. On the XXXX of XXXX when I called to check on my benefits due on that day. I was unable to check my balance and wasn't able to use my card to make purchases. I have been trying to contact Direct Express since XX/XX/2019. Direct Express has been unreachable they have not sent me anything in the mail or via email. The past couple months has been very difficult not being able to receive my benefits.

Company response to consumer: Closed with explanation