BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-04
Company: The J. G. Wentworth Company
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I obtained a mortgage loan with JG Wentworth in XXXX 2016. I made a payment in XXXX, with an additional amount not be credited to Principal. The loan was transferred to XXXX with the first payment ( XXXX ) showing as being paid, but missing the Principal payment. When contacted, they stated that it would take up to 60 days to transfer the additional principal. I do n't feel that 60 days is a reasonable amount of time, since they were able to correctly apply and transfer the payment that was made in the same transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a Chase credit card. They sent me a letter stating they were going to close the account due to inactivity ( fair enough ) and that my only way of avoiding deactivation was to call their customer help number during set hours. Even buying something with the card would not avoid deactivation - I had to call their number. 

Unfortunately, their customer phone number had an extremely long wait. I gave up after 25 minutes because I had to get back to work. When I signed onto my account online, there was no live chat option or even a way to email them expressing that I wanted to keep this account open. 

This is a minor problem, but still I think worth the CFPB 's attention. Is it fair for Chase to make people like me wait for 30, 60, 120 minutes in order to keep their credit lines open? Many working people do n't have open-ended time during the workday to wait to get Chase on the phone. Closing these accounts negatively affects credit scores - and consumers like me want to keep them open. I can see why Chase has a financial interest in closing out these accounts and are making it difficult for customers to exercise their ability to keep these accounts open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was the last letters I can sent now I am force to hired an lawyer. 

I sent Dispute Letter and Cease and Decease Letter certified and notarized to Equifax Credit Bureau and XXXX Credit Bureau reference to Discharged Ch-XXXX XXXX and Dismissed/Closed Ch XXXX XXXX are sealed records and they are purposely reporting them and have sent certified and also notarized letter from the bankruptcy court which do not report this information. I am constantly getting denied employment and credit loans due to this information hurting my chances of obtaining gainful employment. I have to 2 children and custody of my 3 nephews and take care of my XXXX  mother. I am stress daily and making sure I can provide for my family. Please help me to rectify this situation per Fair Credit Reporting per 45 names I should have received something or the information needs to be deleted. I also ask them to remove incorrect names, old names and addresses, incorrect accounts, and inquiries and it has been over 2 years in dealing with these credit bureaus. I have not received any information pertaining to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 {$300.00} collection from XXXX by XXXX showing on all three credit reports. I never had a balance with XXXX, yet it is being reported. I have disputed repeatedly to no avail. I have received a letter in the mail from my insurance company proving that I have a XXXX  balance and have always had a XXXX  balance, because my health insurance paid the bill in entirety. XXXX also has a XXXX balance on file for me. 

I feel that if basic due diligence requirements were followed by the three credit reporting agencies, this invalid information would not be on my report. If anyone had taken the time to actually inquire with WellStreet/Beaumont, they would have discovered that I do not, in fact, have a balance owed. 

This collection caused me to be declined for a vehicle and forced me into paying a higher car note. All I've received is a letter saying " we apologize for any inconvenience ''. My financial life has been ruined for 2 years because of a mistake on someone else 's end and someone should pay for this. " we apologize for any inconvenience '' is simply not good enough.

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 2019-05-11
Company: WELLS FARGO & COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have contacted XXXX 's card services executive management via email asking to contact me in regards to the poor customer service offered by Wells Fargo and have not been given a phone call. I have tried to resolve my concerns and consumer issues with Wells Fargo, in which they have not been helpful in doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CFPB Office of Administrative Adjudication. 
Docket number : XXXX Filed : XX/XX/XXXX Pertaining to the above even though the Bureau found that between XX/XX/XXXX and XX/XX/XXXX XXXX violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to CRAs that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete this company is still violating the FCRA in XXXX. On XX/XX/XXXX I made my car payments using Automatics Payment the only method of payment open to me In the amount of {$500.00} for my XX/XX/XXXX payment. On XX/XX/XXXX I received an automated call from XXXX XXXX to collect a debt. Because of this I placed a call to XXXX to inquire why I would be receiving a phone call when I had in fact paid my scheduled car payment. On the XXXX day after my scheduled auto payment I was notified that my payment was not received through the automated system. This is the second time that this has happened and the results have caused a credit drop of XXXX points I immediately notified the representative that this is unacceptable. XXXX failed to put into place reasonable means of payment methods for their clients and instead furnished late payments to the ( XXXX ) credit bureaus without even an alert as initially promised at the time of electing the auto pay method. I received no alert of a missed payment due to their auto payment error in almost 18 days after the payment was due! Further, I filed a complaint to XXXX and requested a response within a timely manner. Furthermore, after realizing the error I expeditiously made the payment but I have no faith in the payment methods that are available to me as a client. XXXX has now responded and notified me that they only accept payments through their automated system even though it may be experiencing issues. I request the assistance of the consumer Financial Protection Board with my dispute to remove the inaccurate information being reported against me by XXXX and that it is causing extreme hardship to some one with once impeccable credit and brilliant payment history. In the face of future occurrences with XXXX 's inability to provide other means of payment methods there will always be this issue and the auto finance seeking public should be aware that doing business with XXXX will dramatically ruin your credit.

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 2022-11-08
Company: Experian Information Solutions Inc.
State: NV
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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
equifax is listing my mortgage twice ... .all my credit cards ar enow closing my accounts because it shows false information of me having two mortgages. I want to sue either equifax or the my mortgage furnisher for damages to my credit score and limits and balances. during corona im already having troubles now this ..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: CARVANT FINANCIAL LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Carvant Financial LLC '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because the credit bureau ( EXPERIAN ) has failed to provide me any physical proof that they have on file that were used to verify the accounts I disputed. This is well past the 30 days allowed to verify these accounts. Under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. Please resolve this issue as soon as possible.

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 2015-11-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
In 2013, I received a Form XXXX Cancellation of Debt from XXXX XXXX XXXX XXXX for a credit card. I paid the taxes associated with this amount on my XXXX 2013 income tax return. This amount was charged off by XXXX. Currently on my credit report the " Recent Balance '' states {$25000.00}. This is incorrect. The balance should be XXXX. The balance of {$25000.00} needs to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-31
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
cfbp i would Like to file a complaint on Experian reporting agency On XX/XX/XXXX I sent in via Cerified mail this letter below asking Experian To investigate credit inquires as you Can see in my letter I asked them For details Infomation reguarding the inquires. i got a letter from them On XX/XX/2017 stating that they could'nt remove any of the Inquires! Number 1 They failed to send me any of the information I asked them to send me in order to verify these Fraudulent inquires! I asked that Experian Please send me the Info below or please REMOVE THESE ITEMS ASAP IF YOU ARE ABLE TO VERIFY THE INFO THAT I REQUESTED. 
MOST INPORTANT EXPERIAN IS FAILING TO SEND ME UPDATED CREDIT REPORT AFTER THEY ARE DELTED AND UPDATING MY INFORMATION THAT IN VIOLATION OF THE FCRA THIS IS MY 2ND REQ FOR UPDATED CREDIT REPORTS FROM THIS COMPANY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX, my family bought a leather sectional from Macys with a Macys credit card, primarily used for protection purposes. Upon receipt of the unit, both the delivering company and my family noticed material quality concerns with two of the pieces, which we immediately conveyed to Macys. We endeavored to work with Macys to remediate the issue, but elected not to receive a piecemeal resolution as we wanted all pieces to come from the same lot. After some delay due to COVID challenges, the sofa was picked up and we received credit and we asked for our account to be closed ; however, Macys inadvertently reflected a negligible balance due to an internal issue. My wife called multiple times and Macys apologized and intimated the problem was resolved in the XXXX / XX/XX/XXXX timeframe. 

My credit score has always been exceptional, a XXXX  score typically over XXXX. It wasnt until XX/XX/XXXX, after patiently waiting for over a year for historical low interest rates and closing cost fees, that I asked XXXX to run my credit score for my requested refinancing loan. At this juncture, I learned that my credit score had dropped 70 points due to the erroneous and fraudulent information ( late payments across XXXX, XXXX and XXXX ) that XXXX had shared with all three credit bureaus. This prevented me from securing my loan. I called XXXX and they acknowledged culpability for the error, blamed it on their computer system and sent me a letter that they would correct the issue with all credit bureaus, albeit it would take 30 days most likely for any adjustment in my credit report, literally sabotaging any immediate chances of my family securing premium refinance rates and savings. I reached out to multiple individuals ( such as XXXX XXXX - Liaison Credit Executive Office ; XXXX XXXX - Executive Office Liaison ) at Macys and the best response was an offer of a 25 % discount, a standard discount I receive routinely from Macys, to essentially go away. Macys error cost my family a loss of over $ 18K in interest rate savings over the life of the loan, not to mention over $ 2K in closing cost savings when compared to loans available XX/XX/XXXX and beyond. 

Macys error resulted in reputational damage to my name with my bank and a financial hardship to my family. My account should have been closed properly with no balances reflected due to Macys error. And then I had to be the one to bring it to their attention or I would have been impacted in perpetuity for their error.

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 2022-11-08
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:
When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2015-11-19
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The claim is false. It was not submitted to the insurance company as indicated. It contains false statements as payment collected from insurance and states incorrect information. I had issues with XXXX XXXX XXXX XXXX in the past. 
Basically, either the bill was not submitted as required or I am not the patient that received this service

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Dynamic Recovery Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We have told this collection agency that the person they are looking for is not at our home but they continue to call us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07
Company: Dynamic Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have received numerous calls from a company called Dynamic Recovery Solutions. Their phone # 's are : XXXX, XXXX,XXXX,XXXX. They say I owe a debt and they want to talk to me. I have NO debt. I believe they are calling on something from a XX/XX/XXXX/XXXX chapter XXXX bankruptcy. I have no idea why now they are calling me now. Everything went through the US Bankruptcy Court as a chapter XXXX, paid to a trustee over a 3 year period. We received a discharge from the court XX/XX/XXXX. I am thinking the debts were sold to a collection company to try to collect them. I really need them to STOP calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: PA
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:
I have been trying to get this issue fix I send in a letter stating that I want to OPT out from XXXX  reporting my information without my consent. under truth in lending Act 15usc6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless they clearly and conspicuously discloses to the consumer in which avant never did, I also send a certified letter including a affidavit that they never reply back too. 
this is my third chance at trying to fix this issue. All they keep saying is we are right reporting correctly how? when you dont have my consent and never gave me the chance to can opt out

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
After applying I can not get an answer from Apple or Goldman Sachs about what further information they are requesting. Representatives from both sides are unable to provide information that they request of me so that I can provide.

Company response to consumer: Closed with explanation