BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My car loan is due on the XXXX of every month. I have had Complications with my health since XX/XX/XXXX due to XXXX XXXX. 

I understand as of today XX/XX/XXXX that I am 32 days past due on my payment. 

Ive spoke to a Supervisor identified with User Code XXXX  ( Last name XXXX ) to ask if they can please forgive the late payment and not report the 30 days late to the credit bureaus. I advised I wasnt able to make the payment due not being to work and make money due to complications to XXXX They said NO! 

Can you please help me with this situation? I cant afford to have a late payments on my credit report. 

Thank you so much for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Convergent XXXX XXXX reported a collection on my credit report, supposedly myself owing XXXX a balance from an old account, account number XXXX. I received a letter from Convergent, also attached to this email, dated XXXX claiming the debt. I responded to the claim, with the copy of the equipment return, showing a {$0.00} balance from that account on XXXX. Convergent nor XXXX had contacted me before the date of the letter from Convergent claiming the debt. However, prior to receiving this XXXX letter from Convergent, the collection was on my credit report. Convergent was in direct violation of the FDCPA and FCRA laws. Those laws state that I have 30 days from the date of the letter, which was received 7 days after the date of the letter. I immediately responded to convergent with the proof of no debt owed to XXXX, and my complaint that they did in fact violate laws by reporting the collection prior to my 30 day response period, and by not providing verification properly, specifically FCRA, 611.B.iii, showing and describing the process, person and accuracy of the debt, NOT a printout of a " supposed '' invioce. I sent the dispute to Equifax, which failed also to properly and legally verify the process and person and true verification of the supposed debt. The " supposed '' invoice and collection amount is only {$130.00}. Which had I been contacted by XXXX or even Convergent, PRIOR to and in accordance with the FCRA laws of the " 30 day '' period they are required to allow the " debtor '', this would have never become a collection account. I have provided proof to Equifax and Convergent of their viloation of my rights and the FCRA laws, and neither company removes the falsehoods of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSWORLD SYSTEMS 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: Public record information inaccurate

Complaint:
I have a rental write off with XXXX XXXXXXXX XXXX - XXXX XXXX in XXXX FL. I have tried numerous times over the last 30 days to make contact to PAY THIS DEBT OFF. No one wants to help. No one can find this debt. No one calls back. I spoke to XXXX XXXX who first said the debt is with XXXX XXXX XXXX, they then said its with TransWorld who also said they can not find any information on my situation. The debt shows on my report when I apply for apartments or rental homes, but no one lets me pay for it no one knows where or what it is. I need this to be fixed ASAP either information to PAY IT OFF or a letter of Release.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 'm not talking about The active XXXX XXXX account. You know exactly what I 'M TALKING About the closed the one that is closed I 'm looking at the same think that you are Looking at because I have the Equifax credit monitoring service and you see exactly what I see. Send me the info that I requested from you. You sent all this crazy mail to my box if you can send that Equifax why not send the original sign contract that give you the right to report bad info.. You keep saying the creditors I 'm not asking them I 'm asking you something the federal gov put in play to protect people like like Now quick with the XXXX and send it if you have!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Absolute Resolutions Corp.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Absolute Resolutions HAS REPORTED INACCURATE INFORMATION ON MY CREDIT REPORT. I'VE HAD NO DEALINGS WITH THIS COMPANY Absolute Resolutions. RECENTLY ON XX/XX/2020 Absolute Resolutions REPORTED A {$11000.00} COLLECTION ON MY CREDIT REPORT THAT IS INACCURATE. 

THIS Derogatory mark HAS REALLY AFFECTED MY CREDIT SCORE IN A NEGATIVE WAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Last   XX/XX/XXXX  / XX/XX/XXXX , I logged on to my husband ' s Amazon account. I applied for an Amazon Credit Card through Chase Bank. I set up the payment method on the Amazon account to the new Chase Card. This  replaced my husband 's    XXXX   XXXX   XXXX   XXXX   as the default payment method. My husband did not realize that I   had done this.   While working out of town my husband ordered items on his  Amazon account. The items ordered were charged to my Chase Card because it was selected as the default payment. When I received my Chase statement, I saw the charges and determined that I did not order them. I then called and disputed th ese charges in  XX/XX/XXXX . After the charges were disputed my husband s Amazon a ccount was suspended until the charges were paid. After we sorted this out, my husband paid for all of the items that were disputed with his   XXXX   XXXX   XXXX   which was on file wi th Amazon. His account was restored. Chase di  d not ask for any proof the charges were paid or by what method. It took two phone cal ls and writing a letter to them to get them to dispute the charges. I do n't believe this was done until  XX/XX/XXXX  time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Collection agency has falsely reported on my credit report.I had this same issue happen in 2015. The same creditor has referred account to another collection agency. All the circumstances are the same. I wrote my state dept. of consumer services and the suggested I contact you. I have also filed a dispute with the credit reporting agency and the collection agency. I would really appreciate some help. My credit score is severly lower due to this problem. This is such an assault to an individual both financially and emotionally.

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 2022-08-29
Company: LoanCare, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare LLC is refusing to accept payment from me for my mortgage. The loan recently transferred servicing to Loancare on XX/XX/26 but loancare is refusing to accept payment, violating the terms of the original mortgage, as there is no way for me to make a payment before the payment due date. I called their customer service line today XX/XX/26 and the person stated that they will not accept payment from me for another XXXX days, even though I have made every effort and in fact spent hours and hours today and previous days as well trying to make the payment. This violates the terms of the original mortgage, and will cause my payment to be late, despite me doing everything that a human can possibly do to make my payment. Loancare LLC will not accept my payment by any payment method until after the payment is due, they are trying to force me into foreclosure despite me being willing and able to make a payment and trying every possible method to pay.

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 2020-09-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax did not investigate my file in a timely manner. I am extremely upset by this. I don't know why I must spend so many countless hours trying to fix the mistakes on my credit. This is causing me a lot of XXXX. Please find attached letters previously sent by me via USPS certified mail. I am trying to buy a house and am trying to avoid any unnecessary litigation under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: M.L. Zager P.C.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Collector sent a letter to my place of employment claiming it was a subpoena asking my job to furnish private information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Chase approved a deed in lieu in XX/XX/2016, before selling the servicing to XXXX. Because they never ordered the assignment of mortgage, I 'm at risk of an illegal foreclosure. I just got off the phone with Chase and they said that the assignment was ordered on XX/XX/XXXX. This was after my constant follow up over a month ago. Today after speaking with Chase, I called XXXX county myself and they told me that they 're up to requests from XX/XX/XXXX. Chase should have ordered this in XX/XX/2016 but they clearly missed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
acct- XXXX wrote a letter and contacted CFPB stating in detail what I was complaining about!!! 
XXXX XXXX wrote a letter as I have recieved before at least XXXX times from other people saying same old non-sense! 
Tell us what you want give details explain, tell us about your situation in detail etcccccccc.! 
It is what they keep doing the CFPB needs to investigate this company Wells Fargo Home Mortgage. I have explained everytime the issue in detail. They are insulting me and trying to get over on CFPB. I am asking the CFPB to investigate and take action because they are probably doing this to many people and it 's not fair and intentionally deceiving. 
I have so many letters from there asking the same things as if we are dumb and ca n't understand. 
We ( my brother and I are furious ). 
I am also hoping everyone on this web site as well as all the other websites that I have utilized and do not do business with this company WELLS FARGO HOME MORTGAGE. 
They are liars they fool you, ruin your credit when it is not your fault. they do n't care about their customers.If you need all my documentation I have it to give asap. 
They take no accountablity!!!!!!!!!!!!!!!!!!!!!!!!!!! 
PLEASE CFPB PLEASE INVESTIGATE? 

XXXX and XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion did not investigate my file in a timely manner. I am extremely upset by this. I don't know why I must spend so many countless hours trying to fix the mistakes on my credit. This is causing me a lot of XXXX. Please find attached letters previously sent by me via USPS certified mail. I am trying to buy a house and am trying to avoid any unnecessary litigation under the FCRA.

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 2022-02-24
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have made sure to make my payments on time for CREDIT ACCEPTANCE with the account number XXXX. This account should not have a late payment status in my record. Make sure to provide me any documentation about the late payments being done on the months indicated in the 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 2016-12-16
Company: WELLS FARGO & COMPANY
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XXXX XXXX, a hotel, charged me {$250.00} for a " smoking fee '' because they said they seen me smoking inside the hotel room. I called and complained to the manager because I DONT EVEN SMOKE. The manager hung up on me and I made a claim with Wells Fargo. Wells Fargo credited my account for the {$250.00} but they just took it out today. I am not going to have {$250.00} stolen from me. This is absolutely ridiculous and complete theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXXXXXX XXXX  XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$4900.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2021-01-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I contacted Equifax via certified mail to dispute inaccurate information on my credit report. 
I received a copy of my credit report and found the following item ( s ) to be in error. 

XXXX XXXX XXXX {$150.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$6600.00} To date, XX/XX/XXXX, I have never received a response from Equifax about my dispute. This incorrect reporting of this false information is hurting my credit rating! It is not a accurate representation of my payment and account history. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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: Account information incorrect

Complaint:
I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. 
Secondly according to the 15 USC 1681.The law clearly states. 
1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


The following accounts are in Federal Violation on my rights, as a federally protected consumer who have the right to privacy. And also they reporting inaccurate information on my credit report i add file from my job supporting my payment story with XXXX XXXXXXXX OFFICE OF THE ATTY GENERAL

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Received a promotional email offer to upgrade my Amex everyday card to Amex everyday Preferred with a XXXX bonus Amex reward points after {$2000.00} spend. Applied through the link in email in end of XXXX, met minimum spend and inquired through Amex App chat regarding the bonus status on XX/XX/XXXX and was informed there was not any upgrade bonus offer linked to the card. Agent opened an investigation same day on XX/XX/XXXX. 

XX/XX/XXXX - Chat via Amex app to inquire investigation status and was told the same - no offer was attached to the account. I then told the agent I have the email as proof and was told to provide the POID code - POID : GF0A:0001. Agent checked the code and opened another investigation with the code XX/XX/XXXX -Chat agin via Amex app. Agent asked if I have uploaded email image which I have never been told. eventually I pasted the whole email body with the code again to the agent. Then was told I need to wait. I asked to talk to a manager but was just repeatedly told there was no offer attached and my request was denied. Manager further claimed that it looked like I didn't use the offer code when I upgraded. I'm sure I used the link in my email to upgrade - without the offer I would not have done the upgrade. 

XX/XX/XXXX - Again Chat via Amex App. This time was told investigation revealed no offer was attached and there was no document uploaded - so investigation was closed and request denied. I did paste the whole email once and provided the code a few times already. Transfer to supervisor who basically said there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XX/XX/XXXX and XX/XX/XXXX Ive done 2 disputes with the credit bureau and waited 30 days each time for results. No results were given and even after disputing with the cfpd I was told I will get a response in 60 days. By law under XXXX  Federal Fair Credit Act .I am to get a response with in 30 days of the date I sent the letter to the bureau for investigation. They company only had 30 days to prove any accuracy or remove entirely from my report. If these laws are violated i due monetary compensation of {$1000.00} per item They are also in violation of Fair and Accurate Credit Transaction Act of 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 2022-02-24
Company: EQUIFAX, INC.
State: AL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation