BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: AMERICAN EXPRESS COMPANY
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 belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX, AMEX XXXXIf you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Personal information incorrect

Complaint:
The Driver 's License expiration date is incorrect as listed on the XXXX report for XXXX XXXX XXXX and for XXXX XXXX XXXX. This is information was supplied by BANK OF AMERICA to XXXX for three accounts ending in XXXX, XXXX and XXXX. 

The expiration date of XX/XX/XXXX does not belong to either XXXX or XXXX resulting in inaccurate information reporting being furnished to XXXX by one of its participating financial institutions. 

Inaccuracies, in addition to the incorrect ID Expiration Date are as follows : Acct XXXX ( checking ) was closed on XX/XX/XXXX : On both reports it states {$0.00} Interest Paid on XX/XX/XXXX this is inaccurate information stated on both of our reports as the account closed on XX/XX/XXXX On XXXX report it states an inaccurate address and an inaccurate email address this is inaccurate information as these have never been associated with him Acct XXXX ( savings ) was closed on XX/XX/XXXX : On XXXX report it states activity on XX/XX/XXXX yet it is not recorded on XXXX report yielding reporting differences/discriminations On XXXX report it states an inaccurate address and an inaccurate email address this is inaccurate information as these have never been associated with him Acct XXXX ( CD ) was closed on XX/XX/XXXX : On XXXX report it states {$0.00} Interest Paid on XX/XX/XXXX yet it is not recorded on my husbands report this is inaccurate as the account was closed XX/XX/XXXX and there are reporting differences/discriminations On XXXX report it states an inaccurate address and an inaccurate email address this is inaccurate information as these have never been associated with him Because of these numerous reporting inaccuracies and because of discriminating reporting practices, we would like resolution as follows : 1 ) Remove the three accounts, in totality, from the XXXX Report and any other consumer reporting entities for both XXXX XXXX XXXX. 
2 ) Send a letter detailing the investigation findings as to how these inaccuracies were associated with us and subsequently why they were reported to XXXX. 
3 ) Have new EWS reports sent to both of us following inaccuracy corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I opened up my XXXX account and realized that my credit score had went down. I looked on my report to see what the problem was and saw their was a collection alert on my report. I don't owe anyone ; I know this for a fact. This debt is not my debt. I would like this debt taken off my 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 2019-12-26
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
i made extra payment to my mortgage company last month ( XX/XX/XXXX ) for {$600000.00} to my mortgage principle.

I received new statement this month just add {$3400.00} to principle account.

i called the company 2 times to resolve this problems but i did not get any action.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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:
Companies involved : Transunion XXXX XXXX I was a victim of identity theft, and they applied for credit cards, loans which are in collection and are affecting my credit cut, I have tried to communicate with the creditor companies and explained the situation and I have not had a favorable response, I have also disputed these accounts in the credit bureaus and without any result, I ask for your collaboration to be able to solve this situation.

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 2018-09-17
Company: EQUIFAX, INC.
State: TN
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 was paid and settled even after illegal predatory actions taken including sending a false lawsuit document as a scare tactic. In settlement with XXXX they agreed to remove all negative trade lines from all 3 credit reporting agencies. This still has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: WA
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:
We hold our current FHA mortgage with XXXX XXXX XXXX. We have paid on time since the inception of our loan XX/XX/XXXX. 

We have typically paid via their online portal, despite issues with the portal where the payment wasn't processing, which happens often. We will then log in the next day and try again. 

We have tried multiple times to pay via their automated phone system through XXXX XXXX which for some reason can not process our payments, not due to lack of funds. Just an error with their processor. 

On Friday, XX/XX/XXXX, we made an online payment for the due balance for XXXX. We received no error messages, and we received confirmation of their receipt of payment through a secure message on their website. I am attaching this for your review. Also of note, this is a shorter month with 29 days. 

We were notified a few weeks later through our XXXX apps, that the payment was marked as 30 days late. 

At this time, we called XXXX XXXX XXXX  to dispute the late payment and we were told that we should have paid via the phone system for it to post same day. We told them that their phone system wouldn't authorize our debit card or ACH check as it didn't in XX/XX/XXXX when we tried to use the system while travelling outside the country. Therefore, our previous experiences with the phone system lead us to always pay online. 

They said that since we paid online, and before 30 days, it did not matter because the payment posted to their system XX/XX/XXXX. XXXX stated that even though they have record of our payment on the XX/XX/XXXX, they will not update the credit reports to show an on-time payment. 

At this time, we filed with all 3 credit bureaus a dispute of the reported late payment by XXXX, and on XX/XX/XXXX XX/XX/XXXX investigated and deleted the late payment from our credit files. 

Now we are trying to refinance our home to save money during the pandemic, and we are unable to qualify solely because of this one reported late payment that was actually not 30 days late. 
We have never been 30 days late on any mortgage. 

Please help us to ensure that we are able to hold XXXX to the date we paid the loan and not when it posted for them ; which could be an arbitrary amount of time. 

Attached : payment confirmation on the XX/XX/XXXX,  Confirmation of increased credit score when XXXX removed the 30 day late payment. Letter to credit bureaus.

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 2020-01-02
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Please be advised I have submitted all my information and offer to the lender for review of a short sale. I have true hardship no money, no type of income and need to have the lender complete the review so I could avoid facing foreclosure. Borrower was in XXXX lastly working and has no income at this time and a cash offer of XXXX on the home. We kindly need assistance to have the home reviewed for the short sale. Full packet is with the lender.

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 2017-03-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I received a letter from XXXX dated XXXX/XXXX/2017 in regards to my initial dispute with invalid personal information, invalid credit reporting, and inadequate reporting that was simply copied and paste from credit report. For example, the XXXX account 's date updated and Loan Type on the investigation report is different from the credit report. I requested to remove both accounts from my credit report. Especially, the XXXX account that has been closed for more than seven years closed without a balance. Also, my personal information was entered incorrectly, which I requested to update yet they failed to update my information. Hopefully they will comply with your department. Thank you.

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 2022-07-27
Company: EQUIFAX, INC.
State: PA
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:
Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX Balance : {$440.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$140.00} ; XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX of inquiry XX/XX/2021 ; XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have had two scam/identity theft related issues to Barclay Card this calendar year. 

1st : My statement on my existing account with the company showed an address change to XXXX XXXX, XXXX XXXX ( I live in XXXX ) That was apparently changed back when I contacted the company. 

2nd : I received a letter trying to open credit card in my name. Reference number XXXX. 

I called it in a week or so ago but apparently someone is trying it again or whomever I called lost the information. 

I want the credit application quashed and better identity controls at Barclay Card Thank you.

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 2022-07-27
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: Information belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2015-08-07
Company: Account Discovery Systems, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had previously been making payments to clear a former debt to this collection agency and recently I asked them not to submit a payment for the month of XXXX and to cancel any future payments. The representative agreed and still ran the payment through causing my bank account to go into a negative status and incur SF fees. My payroll check was just enough for my bills not including the {$65.00} so when this payment hit, it caused my other payments to bounce. Although the bank paid them, I was still charged {$68.00} in returned check fees. Someone at this company by the name of XXXX XXXX stated they would issue a refund of both the {$65.00} and the {$68.00} in fees if I faxed over my back statement which I did. The {$65.00} was refunded but not the {$68.00} for the fees. When I called on XXXX/XXXX/2015 around XXXX XXXX I was told by a gentleman that he was the only one in the office but when I asked for XXXX XXXX, this person swore he did not know who XXXX XXXX was and it was actually him I was speaking with. I just want my money put back into my account and not to be given the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: CL Holdings LLC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collection is Jefferson Capital. They are attempting to collect a debt originally opened by XXXX. This account was opened fraudulently. I have reached out to Jefferson capital with a debt verification letter and a phone call asking then to demonstrate that I incurred this debt. They have given me no documentation regarding the debt or the original account. I have thus asked them to remove this debt from credit reports and they have not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus has not explained and described in detail their fees or attempted to ever assist us in helping our mortgage. Seterus has ruined our lives and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mother-in-law added me as an authorized user to her XXXX credit card account at least 25 years ago. She passed away on XX/XX/2022. XXXX has removed her name from the account and has placed the account in my name. I NEVER signed up for credit with XXXX and have not used this account and am not responsible for the balance that remained after her passing. They have placed a negative comment on my credit report. I have discussed this with them 4 times now by phone and they continue to report it incorrectly and are attempting to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
Purchased goods at Sam 's Club ( Walmart ) on XX/XX/2015 for {$100.00}. It was posted to the Sam 's Club Mastercard the same day. I returned goods totaling {$83.00} onXX/XX/2015. The credit has not posted as of XX/XX/2015. Given it is Friday it wo n't post until next week. The store Manager does not have access to the information but suggests it may take 1-2 weeks to post. By delaying the posting of the credit to my account and thousands, perhaps XXXX of customers, Walmart 's is enjoying XXXX of dollars in " UNDUE ENRICHMENT '' for using someone else 's money. This is unethical, if not illegal, behavior. Consumers are being victimized in several ways : ** Excessive interest charges caused by the delayed posting, most cards charge interest based average balances. Credits are not back dated to day of purchase. 
** Loss of available credit under the line ** Overstates customer 's account balances to credit reporting companies which may adversely impact their credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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: Investigation took more than 30 days

Complaint:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2022-01-24
Company: EQUIFAX, 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:
Tennessee Department of Human Services, under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the XXXX XXXX court as the furnisher that's forgery and misleading when the courts don't report this type of account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was robbed on XX/XX/30 took me seven days to get a live person on the phone I have my call log to them then I was told some documents were being sent and would take 3 to 5 days this was on the XXXX I get on the XXXX I fax it over I had until the XXXX to get them in. So I call this morning and they already closed my dispute I have done some investigation of my own and these people are on camera using my card and I dont get my money back. This direct Express card needs to be taken off the market.

Company response to consumer: Closed with explanation