BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted TransUnion and XXXX  on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. I am seeking removal of all incorrect or outdated personal information being reported on my credit file. The account that TransUnion continues to report is XXXX XXXX  and XXXX is reporting XXXX XXXX XXXX and XXXX XXXXXXXX XXXX. Again, I must say these account does NOT belong to me. Ive sent in my FTC Identity Theft report along with my dispute letter for review but this account is still reflecting on 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 2016-09-09
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Rewards

Complaint:
I opened an American Express Blue Cash Everyday credit card XX/XX/XXXX, through the American Express website. The credit card offer disclosures promised that I would be given a {$250.00} statement credit if I spent {$1000.00} on the card within the first 90 days of opening. The credit was promised to be given 6-8 weeks after the spend qualification was met. I satisfied the spending requirement just eight days after opening my account, but it has now been almost three months since and I have yet to receive the promised statement credit. This seems like a gross violation of regulations prohibiting unfair, deceptive, and abusive acts and practices ( UDAAP ). Specifically, American Express failed to deliver on an advertised promise. An established financial institution such as American Express should continuously be validating that every customer who has met the spend requirement has been given the promised reward, without fail. Clearly American Express is not doing such rigorous validation, as my reward was not paid out during the promised window of 6-8 weeks. Consumers should be wary of opening American Express credit card accounts where rewards are promised, as there appear to be gaps at American Express in delivering on those promises. Even after contacting the company to inquire about my reward, and the customer service agent acknowledged that indeed my reward had not been paid out despite my meeting the spend requirement, I was told that an investigation would need to be conducted and would take another 7-8 days before any further action ( if any ) would be taken by American Express. If it was obvious to the agent that the reward delivery had been missed, it seems like the agent should 've given me the statement credit immediately. The additional delay seems unnecessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Collection Management Company
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is about XXXX  XXXX  not telling me in advance how much my prescription of XXXX  was going to be in advance before shipping out.  (According to my physicians office no other specialty mail order company ever ships an expensive drug to the patient with out getting a payment from the patient first) and also not going over with me how the co pay card that XXXX  gave me to use so that I could afford the drug to begin with.    XXXX   XXXX  had made an agreement with my husbands employer to not allow the co pay card to go towards our deductible.  I never saw this new rule nor was it ever explained to me when I started using the drug and the co pay card.  I was told that by using this co pay card it would take care of all of my out of pocket expense for being able to afford XXXX. 
	
So I started using XXXX  going through XXXX  XXXX I believe in XX/XX/XXXX.  I’m not exactly sure when I started seeing a bill, but I didn’t really pay attention to it because I was told that my co pay card would cover my bill.  I never was told that I couldn’t receive XXXX  until I paid for it.  The drug was always mailed to me.  I never gave it a thought until I started receiving statements saying “Due upon Receipt”  That prompted me to call.  Then to my surprise, I was told that I actually did have a balance a rather large balance of $XXXX this bill was from XX/XX/XXXX, I called them on XX/XX/XXXX.   Up until this point I was still being sent the XXXX  without a phone call or interruption of my medication until I tried to order it again on XX/XX/XXXX.  Then I received a text saying “The copay for your medication has changed.  Tap the link to confirm the new amount so we can ship: 

When I called I was told my account was sent to collections and I would not be able to receive my prescription until I had a reference number from the collection agency.  I had to stop taking my medication cold turkey.  I was so upset by this news that I actually got a XXXX   and wasn’t feeling well for a couple of days.

XXXX is needed for my condition that is so bad that I actually XXXX  the XXXX  in my XXXX (XXXX) XXXX.  Which is the reason I needed to go on the XXXX  XXXX.  I had to have XXXX   on XX/XX/XXXX to repair the XX/XX/XXXX after which I needed XXXX XXXX  to learn how to use my XX/XX/XXXX again.  I was told I needed a XX/XX/XXXXto keep this from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: DC
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of Inquiry : XX/XX/XXXX ; XXXX Date of Inquiry : XX/XX/XXXX ; XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, 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:
I contacted the XXXX XXXX its has been more than 31 days and they have no proof I initiated such inquires not written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these inaccuracies. According to section 604 of the Fair Credit Reporting Act permissible purpose of consumer reports 15 u.s code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER. ( f ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is INITIATED BY THE CONSUMER. Under 15 usc 1681i, paragraph ( 5 ) treatment of inaccurate or unverifiable information ( a ) in general. If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) PROMPTLY DELETE. The following inquires are unauthorized : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: MoneyLion Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I sent this company letters and so did the courts, this account was included in my bankruptcy case! They took this account off and reported as paid off closed, to only wait a couple of days to re add it back to my report! This account should have never been placed back on my account and I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: AFNI INC.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has been constantly calling my home for the last XXXX yrs all through out the day. The will call everyday before XXXX, in the afternoon and after XXXX. The keep asking for someone that 's not me. I have responded numerous of times, letting them know that I 'm not that person and that person do n't live at my address and this is my phone number. 
I do n't answer anymore because of the rudeness that I 've received from them on previous phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
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:
Experian has been reporting an collection account with XXXX XXXX XXXX SERVICES XXXX, which does not belong to me & experian refuses to investigate this account that does not belong to me & under fair credit reporting act any information that is incorrect must be deleted immediately. 

secondly another account with XXXX loan servicing XXXX is showing 2 times 30 days late in XXXX & XX/XX/2014, which is not correct as the payments were made on time and experian refuses to correct that as well.

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 2021-11-13
Company: Conduent Incorporated
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I disputed some unauthorized charges made without my permission to them as soon as I became aware of them on My child support way2gocard on XX/XX/2021. They sent me a letter on the XXXX stating that if I returned the questionnaire within 10 business days that they would give me a provisional credit in the amount of XXXX. 
So I submitted the form via fax as the letter and the agent I spoke with said to the expedited fax number given to me on XX/XX/21 within the allotted time and now there refusing to give me the provisional credit as they promised

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I had a XXXX XXXX XXXX card that was opened XX/XX/XXXX. I never made a single payment towards the card and after months of nonpayment the card was closed. It was then sold to collections and XXXX XXXX picked it up. They harassed myself and other family members about the debt until the debt continued to grow so old that it became less and less. XXXX continues to report that the DoFD is anywhere from XXXX to XXXX depending on each report. I have requested full validation under Texas Finance Code Section 392.202 with zero response. I have disputed with all XXXX credit bureaus multiple times and each time the debt comes back validated. It is now past the XXXX year mark when this debt should fall off and no longer be reported and yet I can not get it removed. I have requested statements from Citibank with very little luck since the account is so old. The XXXX is unable to find the account in their system and the one time they were able to they directed me to XXXX since it had been sold. I either want this debt validated with proof that even XXXX payment was made as they are claiming or I want it removed and I have had zero help from the CRAs with having this line removed from their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called the company because they call me repetitively stating I need to pay. This loan was taken out in XXXX!!! I originally borrowed XXXX ... I have been paying for over 12 years now and my bill is close to XXXX??????? How is that possible??? How does this bill keep going UP? Over 12 years it should have been paid off multiple times .... I feel like this is predatory and not honest. I feel as if they never applied my money paid and just kept on packing on interest. When I called to discuss this, they said they are private and this is what I owe, nothing they can do about it. There has to be something. I pay XXXX dollars a month so simple math ... XXXX times 12 months is XXXX times 12 YEARS is XXXX ... thats almost 3 times what I borrowed? Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: ONEMAIN FINANCE CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I did not authorized one main financial to pull my credit report. I do not know who this company is. The company is not responding to my letter request to remove the inquiry off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
They continuously called me and asked for my information. I would deny, they called my wife and she said yes she was my wife. she was then told why i hadnt paid a debt to XXXX over 6 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hi. My issue concerns the lack of accurate and proper reporting of payments on my credit report. I have never been late with my payments. I have actually paid 90 % of them early. This is concerning my Mortgage payment history with a company named XXXX XXXX XXXX XXXX XXXX XXXX. Once again, I have never been late with even a single payment to them. However, XXXX has reported me as being late 9 times and at 180 days late on each XXXX. I have receipts for each and every XXXX of them to prove it too. I am including them. There are no late payments at all what so ever from the time the mortgage was originated in XXXX until right now. Not a single XXXX. These inaccurate and derogatory payment history reports need to be removed and corrected immediately. I have tried to resolve this very simple and easily solved issue for more than a year at this point between XXXX and the Credit Reporting Agencies. XXXX stated in XXXX to the CFPB that XXXX is reporting correctly and it was the Credit Bureaus that are making the mistake and reporting it incorrectly. 
Having XXXX day undeserved late marks on my credit history is absolutely devastating my score, my ability to gain other or build other credit, my ability to create seasoned accounts/length of time, stripping me of the security of having credit cards or gaining access to loans should any kind of life emergency take place and the list goes on. It is also serving to make it even harder to gain access to a decent Mortgage Lender or Mortgage Rate and get away from XXXX too. 
I am submitting The original Mortgage Docs which clearly state that payments are due on the XXXX of the month and that the payments start on XXXX XXXX XXXX. I am also including the letter of transfer from XXXX stating that all payments made on or after XXXX and on will be made to XXXX. ALL payments have been made on time or early the entire time. I am including copies of the receipts of every last single XXXX of them.One may go through from front to back.back to front or however one would like and will see very easily that all of the payments were made on time or early. Next months Mortgage payment will also be made over 2 weeks early XXXX XXXX XXXX ). This issue has stopped me from moving forward and caused a lot of damage. The time is lost, it can not be fixed. It can never be gotten back. This issue needs to be resolved and reported correctly immediately. I have all of the proof in the world that I have made my payments on time. 
The " Account Status '' button up top was the closest option to my situation. Technically, the status of my payment history on my account is incorrect and it needs to be fixed. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Experian Information Solutions 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2020-06-08
Company: Shellpoint Partners, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was initially issued by XXXX XXXX in XX/XX/XXXX. Shortly thereafter ( XXXX XXXX XXXX the loan was sold to XXXX XXXX Loans. XXXX XXXX loans proceeded to sell our loan to Shellpoint Mortgage Servicing in XX/XX/XXXX. We made a payment of $ XXXX to principal on XX/XX/XXXX. The payment was not applied to our balance either by XXXX or Shellpoint. We pleaded with Shellpoint and also demanded that they release property tax payment out of our Escrow account. Not only did they not apply the payment, they went ahead and reported us to the Credit Bureaus for a late payment.  Furthermore, they never released funds out of the escrow to cover our town taxes. The town is threatening to place a lien on our property. Around XX/XX/XXXX our loan was again sold to XXXX XXXX XXXX. We contacted them immediately to have them release the Escrow funds. It is XXXX now and they have not done so as well. 

Please not that we did not request for our loan to be sold 3 times in the period of six months. We are being dragged through the mud by these shoddy mortgage companies that we had no idea even existed. In order for us to refinance the loan at this point, it would cost us $ XXXX in closing costs, which we do not have to waste.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Experian Information Solutions Inc.
State: NY
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:
Investigation took more than 30 days I am not liable for these debts that the bureaus are reporting and have disputed them and pointed out many FCRA violations. I also do not have a contract with any of these companies and I even asked them to validate the information and they were un able to do 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 2019-12-06
Company: Specialized Loan Servicing Holdings LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/2019 I canceled my hazard insurance because I was struggling to make my payments for what was an excessive amount of insurance $ XXXX.I notified my loan serveicer, about two weeks prior and informed them that I wanted them to force place the hazard insurance, however I did not think they would go and buy another {$250000.00} policy since the limit of my liability to them is around $ 49,000.even after talking with various company reps on at least ten occassions, they still fail to see their mistake.I contend that they can only charge for the amount that remains owed by me on the loan.Am I right or wrong.If in case I'm wrong on this, I need a justifiable reason explaining why.

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 2016-01-18
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have a fraud alert and freeze on XXXX credit reports. I will like to know if Experian is giving my personal information and using inquiries for bank and product servicest to a third party without my consent to fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Investigation took more than 30 days I am not liable for these debts that the bureaus are reporting and have disputed them and pointed out many FCRA violations. I also do not have a contract with any of these companies and I even asked them to validate the information and they were un able to do so.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation