BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: BARCLAYS BANK DELAWARE
State: NJ
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 have a loan with XXXX, BARCLAYS BANK DELAWARE, and XXXX XXXX XXXX XXXX XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, BARCLAYS BANK DELAWARE, and XXXX XXXX XXXX   XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-18
Company: LoanCare, LLC
State: NJ
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 have a loan with LOANCARE, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX   XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-18
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
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 have a loan with XXXX XXXX XXXX XXXX, XXXX XXXX, and PENTAGON FEDERAL CR UN. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and PENTAGON FEDERAL CR UN with no successful resolution. There was definitely an error on their part.

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 2020-08-18
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
Chase Bank, N.A. is double-reporting one account to XXXX. I have a revolving credit card with a credit limit of {$34000.00} and a balance of {$10000.00}. I received an alert that my credit score with XXXX went down 43 points overnight. I pulled my credit report and saw that Chase Bank is improperly reporting this account twice - and therefore my credit usage and new accounts opened in a short period of time is negatively impacting my credit score. 

I am in the process of buying a new home, and this false reporting may potentially have an adverse effect on me. I demand this be fixed immediately and documentation provided to me by Chase bank within the prescribed period of time under FCRA to evidence this has been remediated. 

Additionally, Chase does not give clients the option to dispute a credit reporting error via the phone or via email. They expect consumers to mail a dispute to their processing center and wait for 30 days for a response. Absolutely ridiculous that Chase does not provide for an automated solution to fix errors due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Several times Equifax has changed my current address to the address I lived from XXXX, and listing where I lived XXXX as prior. I have called them many many times in the last 3 months. I have disputed the address with all three credit bureaus. I have added statements saying what my legal address is. This is the Equifax policy : if a creditor sends a different address, it is updated. As they suggested, I called every creditor on my credit report. They all have had my correct current address on file. 
I should be the only XXXX to change my address at a credit bureau. 
I feel that this should be illegal as it causes another identity theft problem. Several letters were sent to my previous address ( where I lived XXXX XXXX XXXX saying that it was my current address, and listing my address from XXXX as previous. My mail is still being forwarded. Once it is not, XXXX major security questions ' answers will be revealed to anyone receiving that mail. I received XXXX such letter again today. 
I called my attorneys general office and was told that they could do nothing because that is a company policy. 
I have difficulty lifting my credit freezes and getting my free credit reports, because the information I give is " not accurate ' -- due to different addresses ( I even had to pay for my XXXX report through their site ). 
This policy is unacceptable -- yet even the highest supervisors will do nothing except change my address when I call. and they suggest I call monthly. 
Someone needs to investigate and change this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Unable to receive one-time verification code. Tried to speak by phone but representative could only read from a script and could not provide me with access to my account.

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 2022-02-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent an dispute letter and hard inquiry removal letter to all three credit bureaus Experian, XXXX, XXXX  XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/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 2022-01-29
Company: EQUIFAX, INC.
State: MD
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 need to have the mortgage balance amount corrected to reflect what is on the last month mortgage statement ( attached ). There are two balance amounts on the statement. 

There is an Interest Bearing Principle amount of {$180000.00} and right below that amount is showing as " Outstanding Principle '' of {$180000.00} - we're told that either should be reported to the Credit Bureaus. 

The amount being reported to all three credit bureaurs is " {$190000.00} We called into XXXX to find out why the amount reported to the bureaus exceeded the amount on the XXXX monthly statement, but did not get an concise answer or heard anything that made explained the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2021 I received an email from my credit card company that my payment was returned by my bank. I called th3 credit card company to assess the issue as I have never have payment was posted to my account on XX/XX/2021 by the credit card company. Now I havr been making payments with my credit card company for a whole year. If they give you a post date the will take the funds from your bank the NEXT business day. I received a post date of XX/XX/2021. USAA stated that the credit card company attempted to take the funds on the XXXX and because it wasn't available they returned the payment. USAA didn't post the payment to my account to make my account negative to give me the opportunity to add additional funds to my account to bring it back position like most banks that don't try to charge you erroneous fees. They magically show you NO ACTIVITY of the negative item they just charge NSF fees for phantom items that are never presented to my account. I believe USAA has bad banking practices and doesn't have the best interest of the military and their family in mind when creating these practices during a global pandemic. I believe they are trying to get money from their members they have lost because of the global pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-04
Company: Pressler & Pressler, LLP
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Pressler and Pressler have harassed, threatened me for a fraudulent debt they purchased from XXXX XXXX since XXXX XXXX. I requested a copy of the signed contract with XXXX, an itemized " bill '' and proof that I opened a credit card, they refused. The judgement expired on XXXX and Pressler and Pressler ( XXXX XXXX ) filed a Writ of Revival on XXXX which is past the XXXX and the Fair Debt Collection Practices Act. Due to similar proven illegal actions, Pressler and Pressler have recently been fined {$1.00} XXXX for these illegal activities. On XXXX XXXX, 2016, XXXX XXXX created a new docket number and filed my social security number at the XXXX County courthouse. XXXX & XXXX never withdrew their " entry of appearance ''. On XXXX XXXX XXXX sent a request for interrogatories, which I responded in to the attached letter. If a debt is n't paid within 180 days, it 's written off. Pressler and Pressler personally buy these debts, get away with these illegal action because XXXX XXXX sits on different boards, has family members/friends working in the NJ court house. XXXX XXXX has been noted in a recent XXXX Case and has been warned to stop threatening and harassing, " The U.S. Consumer Financial Protection Bureau has fined a New Jersey law firm and the debt collection company it worked with and ordered them to stop filing abusive debt-collection lawsuits. '' This is a violation of the Fair Debt Collection Practices Act. They are attempting to sue me for a debt I did not sign for, the debt is too old to be sued on and are attempting to seize property. I have attached all documents, including a letter to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I called Amsher collections who was reporting a debt against me from XXXX. It is reportedly to expire on XXXX, however I have had XXXX XXXX XXXX   since my son was born in XX/XX/XXXX. Ive never had a XXXX   account, so I called to inquire. I have never received an initial contact letter, no notice of my right to dispute. I told them I didnt know who they were I didnt have a XXXX account in well over 7 years now. When I called they informed me that they were going to sue me if I didnt pay this. I asked who the lawyer was and they named a lawyer not even licensed in Texas. 

They should not be reporting and should no longer make threats against me for legal action they know they cant take.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
FHA Loan-short sale, FHA requires that I am late on my mortgage payment to be considered for a short sale. 
Due to medical issues, job change and increase in expenses ( due to medical issues ) our family experienced a hardship and was forced into a short sale and in order to be considered for a short sale FHA requires us to be late on mortgage payment please see attached FHA bulletin stating it is a requirement to be late on my mortgage payment. I am unable to secure a loan now when my family is more financially viable. I am being discriminated against due to a government requirement to be late on my payments. It is imperative we are able to secure a new loan to move forward with our lives and maintain a standard of living after going through a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
When I was based in XXXX XXXX, as a XXXX the agency that prepared my taxes did them wrong. They filed me as XXXX State resident when they were supposed to file me as a XXXX State resident because I was a resident of XXXX, under United State military XXXX status based in XXXX. As a result of the eras that were made on my state taxes it looked like I owed the state of XXXX {$2400.00} in taxes, penalties, interest, and collection fees. I did the necessary paperwork to fix the issues and got the state tax lien released XX/XX/2012 while I was still in the United States XXXX. The problem I 'm having is the lien is still showing up on my credit reports which is very damaging to my credit scores. I am now a United States XXXX XXXX veteran father with a family of XXXX trying to buy my first home. Could you please help me by removing the lien from my credit report or let me know what I need to do to have it done. I have a copy of the lien release if it is needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-28
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continued phone calls does not leave a message and when I answer they hang up. If you goes to voice mail they leave a message and no one talks.

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 2016-02-09
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
Macy 's is charging me interest on a bill that was paid. They keep adding late charges and they are effecting my credit rating.

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 2020-08-18
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this  information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
The agents I spoke from equifax were not helpful at all. I received my credit report by mail and most of the inquiries were from companies I 've never contacted or tried to open any accounts with. I never used my social security number or any of my information with them. These companies that show on my credit report are : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX services. I have never contacted or been involved or have gave any authorization to them with my information to run my credit or open accounts with these companies. Equifax agent told me to call these companies and tell them to get me removed from my credit report. I called each one of these companies and they all said I have no open accounts with them and they have n't ran my credit or anything with my social security number or name so there is no way they can remove inquiries when there is no open accounts under my information. These companies told me to contact equifax again and let them know that they have never ran my credit or have any accounts open. So I did called equifax and they told me that it does show that these companies ran my credit. At this point i do n't know what to do. I spoked to XXXX agents from equifax and they were n't helpful at all. This is very stressful. And I need someone to help me and get these inquiries removed from my credit report. If these companies and equifax ca n't remove the inquiries who can?. It is frustrating because I never got involved or contacted any of these companies to even be on my credit report. The reason why I wanted my credit report was because I was barely going to start with my credit. Thinking I was going to be accepted because I 've never have had any credit anywhere with no one. I wanted to start my credit at XXXX. I was n't accepted for credit. the reason why was either I 've had a delinquent past or open /active accounts that Have n't been paid. I have never had any accounts with any companies, or have gotten any loans from no XXXX in my 24 years of life and definitely no delinquent past. When I saw the inQuiries from these companies I was shocked because I 've never had anything to do with them. I thought I was a victim of identity theft or maybe I am. I 'm thinking maybe someone is using my identity, using my information, opening accounts with my information. Messing up my credit. But where can I find out? Who do I go to or call? Equifax was n't helpful. It is frustrating. I need someone to help me clear this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX As in that case, there is no circumstance under which Defendant could legally report an obsolete debt to a credit reporting agency or make a positive report in the event of payment. The implication that Defendant could do so here is misleading on its face. '' The above recent court case XXXX XXXX XXXX is an addendum to my previous complaints about XXXX XXXX XXXX 's credit card closed in XX/XX/XXXX ) complaint about positive reporting I never made in XX/XX/XXXX. It serves - based on XXXX XXXX XXXX 's letters in response - that it falls on the credit reporting agency to stop the bank from any and all reporting regardless of what account. This includes credit cards, student loans, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX incorrect information. 
Previous balance of {$3000.00} was the original purchase in XXXX, was never late since the interest was 0 % for 1 year or 23 % if not paid in full. original purchase was paid in full back in XXXX, then additional purchases were done and was again paid in full in XX/XX/XXXX as will show the attached XXXX statement .... 
Thank you in advance for your great support!!! CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My identity was stolen in XX/XX/2017. It created financial hardships. However I was careful not to go past 30 days on mortgage payments. Then Hurricane Harvey XX/XX/XXXX and flooded my homestead with 32 '' and hit my second home in XXXX XXXX. I lost my complete office at my home and everything was in disarray. Total of both claims was approx. XXXX My credit report reflects I was late on my homestead and second home during XX/XX/2017, the month of Hurricane Harvey. I have asked for forbearance but the man just said payments are due first of month and I should have made the payments before the flood. He was very calloused and personal. 
I have sent Prosperity Bank copies of the XX/XX/2017 Sheriff 's report and Prosperity is very aware of the large FEMA claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I contacted Equifax concerning the reporting of my bankruptcy on my credit report. I filed XXXX XXXX XXXX and the items included in my bankruptcy should no longer be reported on my credit bureau. They had it updated to state will be removed 2019. I contacted them, sent copies of my Ch XXXX paperwork. Dispute results reported back included in Ch XXXX. It is my understanding the Ch XXXX information is removed 7 years from the date the bankruptcy is filed. I attempted to call the number provided on the results and was on hold for 20 minutes with no one picking up the line. I need assistance getting this corrected and would like to speak to someone in an American office that understands my dispute.

Company response to consumer: Closed with explanation