BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-10
Company: EQUIFAX, INC.
State: IN
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:
PLEASE HAVE EQUIFAX RE-INSE RT TWO CRED IT ACCOUNTS RE-INSERTED BACK ONTO MY CREDIT REPORTS, AS PER CREDIT FURNISHERS REQUEST.     RE-INSERT :     XXXX   XXXX    AUTO LOA N NO . XXXX -DEL ETED FROM CONFIRMATION NO.   XXXX    DATE D   XXXX ,  2014 IN  ERROR AND   XXXX   XXXX   XXXX    XXXX  DELETED FROM CONFIRMATION NO.  XXXX   DATED   XX/XX/2014 .      THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
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 bankruptcy listed on my report. I have a letter from the courthouse, which they listed they do not share information with anyone, as well as a letter from XXXX XXXX stating they removed my bankruptcy from their report. I submitted the letters to XXXX and Experian in which they both stated they verified the information through XXXX XXXX, which is incorrect, because XXXX stated they removed it from there records. However, XXXX and Experian refuse to remove it. Please assist.

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 2017-05-10
Company: Duncan Solutions, lnc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On  XXXX   XXXX ,  XXXX , I was wrongfully charged with a toll violation while driving in  XXXX . I was driving home to   XXXX   XXXX  .     In  XXXX   XXXX , I received the first notice of the alleged violation. I promptly appealed the violation in  XXXX  by mailing the required evidence that showed my   XXXX    account had a positive balance on  XXXX / XXXX / XXXX .     On  XXXX / XXXX / XXXX , I was sent a FINAL NOTICE OF TOLL VIOLATION. Again this violation alleged I had driven through a  XXXX   XXXX  without remitting the {$4.00} toll due. An Administrative fee ( {$25.00} ), a Civil Penalty ( {$25.00} ), and a Civil Penalty Surcharge ( {$12.00} ) took the total amount I allegedly owed the   XXXX   XXXX   XXXX   XXXX   to {$66.00}.     Again, I responded promptly. A  XXXX  employee told me over the phone I could send my appeal via email to   XXXX   XXXX    Custome r Service. So I emailed  XXXX  a printout of my  XXXX  Account Activity, this time highlighted and circled, showing them that my account had a positive balance on that date.I emailed this to them on  XXXX   XXXX ,  XXXX .     On  XXXX   XXXX ,  XXXX , I received an email response from   XXXX   saying " Im happy to inform you that your appeal was approved, granting you the waiver of the previously applied administrative fee  ( s ). '' The l etter contained a request to contact   XXXX   to pay the {$4.00} toll. The letter did not explain why I still needed to pay {$4.00} toll ; I thought my account activity proved that I did not owe any toll. The letter did not mention any deadline to pay this toll, did not state any possibility of the administrative fees being re-charged, and did not state any deadline before the debt would be sent to Collections.     In  XXXX   XXXX , I opened a Notice of Assignment to a  Collection Agency dat ed  XXXX / XXXX / XXXX , from Professional Account Management, LLC ( " PAM '' ). The total amount due is listed at {$66.00}.     On  XXXX / XXXX / XXXX , I called PAM to dispute the charge. The agent,  XXXX , who would not give me her badge or ID number but stated her initials were "  XXXX , '' told me she was making note of my dispute but that she could not help me, I would have to talk to  XXXX .     I immediately called  XXXX , and spoke to  XXXX  and then a supervisor. Both parties would not admit any fault, and simply said that because I did not pay the {$4.00} in  XXXX , they had referred the entire amount of this completely bogus claim against me, {$66.00}, to the collections agency. I told them I would pay {$4.00} right then and asked them to alert PAM that my debt was settled. They refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent in a letter ( XXXX ) and I haven't received a response. What am I supposed to do to resolve this situation? This company XXXX XXXX  has closed my account, charged it off, and ssold it but they are still reporting that I'm late every month! They said my monthly amount is {$0.00}, but they're reporting me every month on this closed account, and they're trying to get paid again by doing this. This is false and inaccurate information they're reporting. 

I found out that in the Fair Credit Reporting Act, section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason immediately remove those items from my credi report, its been over 60 days so they should be deleted immediately. If they're not files as soon as possible I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got iinto the hands of the wrong person.

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 2016-12-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I have a Chase XXXX credit card and I attempted to redeem my points for holiday air travel. The Chase XXXX XXXX, ( where one redeems points ), failed to purchase the flights as requested. By the time we ( my husband and myself ) discovered their failure, bookings were more expensive and there were fewer available flights. We called Chase XXXX XXXX at least three times and spent approximately three hours to resolve this issue. Despite the supervisors ' repeated assurance that they would call us back with information they also failed to do that. When I called Chase to register a complaint I was told there was no option other than to speak with their XXXX XXXX ( the same supervisors ) again. I plan to cancel my credit cards after more than 20 years with Chase Visa, but am writing to you in the hope that others do not experience similar treatment by the Chase XXXX XXXX. I would also like to receive the full value of my travel points as promised by Chase supervisors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-27
Company: Experian Information Solutions 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:
three credit bureau reporting inaccurate information and violating my rights under United States Code 15 USC 1681 ( a ).

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 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-01-20
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed a copy of my credit report and the following ran an unauthorized credit inquiry on me on the following dates : Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. I need these fraudulent inquires removed from my credit reports.

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 2015-04-08
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Debt has been in default with no payments made since XX/XX/XXXX. Company called me in XX/XX/XXXX threating to file lawsuit. I reside in Texas and the statue is limited to XXXX years. This item has been so old it had been removed from my credit report. Debt collector called from XXXX ( XXXX XXXX XXXX IL, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hi! We decided to report this thing to complain about the credit score we have right now with my wife. We would like to inform those XXXX agencies to check the other side of the coin rather than reporting right away and ruining our right to live right. Here is the story : We started to consolidate our debt using XXXX XXXX XXXX XXXX, and after that we where started with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, TEL # XXXX.They started deducting money amounting to XXXX $ starting XX/XX/2011 on my wife 's account. They were no problem for 3 years and after that we received numerous letters and calls from merchants and says that they have n't received any payment from debt consolidating company for 2 months and so, then we decided to call that agency but to our surprise they said it was already transferred to XXXX. without informing us. Few months run no problem but after that they failed again with payments but there are deductions on our accounts but not remitted to the merchants. Then we try to call the new agency but no luck, so we decided to pull out the payment through this agency and we decided to pay the merchants directly but the problem is our FICO score is already damage without asking what happened. So we decided to right this story to help us with our future plans ( educational loans, house loan and car loans ). Hope to hear good news from you soon. With regards to multiple inquiries, i hope this is common when looking for a car, because if we dont get a car it will affect our job because Arizona is an state with less means of transportation. we can get a car in dealership but its too much so we try to get 2nd hand as much as possible. no car no work is Arizona.Thanks in advance

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 2015-12-01
Company: Receivables Performance Management, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
They have called at XXXX in the morning to sometimes XXXX at night, when I answer, no one will say anything, they just hang up, they call 5 to 7 days a week, will not leave a message and sometimes I will hear music in the background. I have asked them to stop calling if no one will answer and they continue to do so. I have checked sites where there is complaints about this happening to them with this same number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: NC
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 sent multiple letters to equifax, as well as filed several complaints now through CFPB in reference to incorrect information being reported on my report. Each time I have received a generic responses from Equifax with no resolve. Furthermore Equifax has refused to reinvestigate the incorrect information in my report. There was charge off on my XXXX  XXXX XXXX XXXX  account. The date of first delinquency on this account reflective in the screenshots I have provided in this complaint was XX/XX/XXXX. The account has been reaged on several occasions, due to them reporting a CO on several occasions after it first occurred which is illegal. Once this account became a charge off it became a dead account, and should not have been reported every month thereafter as a charge off or reflect late payments because it manipulates the statute of limitations. After notifying Equifax in writing that they were violating the law they updated the report so that the CO isnt reflective to appear that they are reporting accurate information but they are not. They have without a doubt manipulated the statute of limitation on this account. XX/XX/XXXX makes 7 years from the date of first delinquency therefore this account should NOT be on credit report AT ALL. It is the bureaus responsibility to report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Navient Solutions, LLC.
State: WI
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Navient continues to call me despite my being current with my min. payments and after I 've asked them not to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: WESTERN UNION COMPANY, THE
State: WA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Western Union would not assist me over the phone. I had sent money through their service and there was a technical difficulty - they would not assist. I spent hours on the phone and they kept telling the money was availble - the person trying to collect the money at the other end could not get any help from Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I received  a Home Affordable Modification Program mod ification on my 1st loan with  XXXX . I was told since I have a 2nd mortgage wi th Citi  Mortgage I would receive the  2MP  modification for my second loan with  Citi bu t I never received it. I contacted Citi mortgage multiple times and asked my Point of Contact where these documents were, they said to wait and it would come in the mail. I waited months and still have n't received m y 2MP modification on my 2nd mortgag e. I was approved for the HAMP program with  XXXX  in  XXXX  of   XXXX   and it 's almost been a year now and I still have n't received the documentation for my automatically mo dified 2MP on my 2nd mortg age  with Citi. I would appreciate some explanation on where my 2MP modification is and when I will receive the documents. Citi mo rtgage has failed to do what they said they would do. They said since I got the HAMP modification on my first mortgage they were mailing my approval for a  2MP and I never received it. WHAT IS GOING ON!? I have also done research and on the HAMP website it says I qualify for a 2MP a utomatically. I would appreciate some help, thank you.      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 2017-05-10
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Chase prepaid cards The owner o two prepaid Chase c redit cards passed away in  XXXX   XXXX .   The trustee of the estate ( me ) received two letters mailed to the card owner, dated  XXXX   XXXX ,  XXXX  and received  XXXX   XXXX ,  XXXX  stating that the balance on the cards would be transferred to the state of California as " abandoned '' if there was no response prior to  XXXX   XXXX ,  XXXX .     I contacted Chase by phone on  XXXX   XXXX ,  XXXX , on  XXXX   XXXX ,  XXXX  and again on  XXXX   XXXX ,  XXXX . I was advised I had to fax several legal documents to a specific phone number, and to expect response within  16 busin ess hours. Documents were faxed on  XXXX   XXXX ,  XXXX , again on  XXXX   XXXX ,  XXXX  and then twice on  XXXX   XXXX ,  XXXX . Followup emails were sent on  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX .     There has been no response.     Each of the  four phone calls took over two hours and involved numerous transfers and conversations with six or more individuals. At times I was provided with false information ( a c allback number which did not provide option to speak to a person and an employee identification number that did not exist ).     I have been advised that the only way to contact the appropriate department is by fax, mail, or email. On  XXXX   XXXX , I was told that no faxes have been received, even though I have sent   three times to the phone number provided by customer service. It would be irresponsible social security numbers and other sensitive information via non-secure email. And I was advised on the first phone call that the mail method was not reliable, and might take too long for this situation.
I have now spent over eight hours on the phone and spoken to 26 or 25 different people, and I am still being told all I can do is send the required documents again and wait. I have been   told there is nobody I can speak to who can find out how to resolve the situation.     As yet, I still have not received responses to faxes or emails, and it seems lik  e Chase is doing their best to make it impossible to retrieve the prepaid funds from these cards. Chase is providing no alternative other than to repeat the same steps that have failed to work three times, and customer service representatives say there is nothing more that can be done.
This money does not belong to Chase - these were prepaid cards! It is shameful that they make it impossible to retrieve funds that they have not right to withhold.       Please assist in resolving this issue. Thank you sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Academy Mortgage Corporation
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
On XXXX XXXX, 2015 our home went under contract to sell to a buyer that was never qualified to make the purchase. The buyers lender XXXX XXXX of Academy Mortgage knew this all along and continued to make excuses and give our Realtor XXXX XXXX bad information. After refusing to sign a third extension and demanding the buyer meet with a qualified lender we were notified the buyer could never close the transaction. After XXXX under contract the home has now been relisted. Now the buyers realtor and the lender XXXX XXXX are trying to date a denial letter in an effort to return the buyers earnest money to them. XXXX knew all along the buyer could not get financed and used delay tactics to stall us and keep the home under contract forcing us to continue to make double mortgage payments. XXXX XXXX lied about the status of the loan mutliple times, about the ability of buyer to buy, and shared confidential information about the buyer with a third party. My realtor has examples in email form.

Company response to consumer: Closed with explanation