BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
Company: DISCOVER BANK
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Unlimited Progress Corp
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2015-08-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
This complaint is simple. A company by the name of XXXX XXXX XXXX has XXXX entries on my credit file. I have disputed them previously but they keep coming back verified. I disputed in writing to this company for validation of debt and never heard heard anything back, yet they continued with collection efforts. I found out this company is no longer is business per the XXXX website and recently entered into a consent agreement with CFPB to recoup monies illegally collected by consumers. So my question is how did the credit bureau verify a debt with a company that is no longer in business??? The phone number for the business is now a recording for a promotional offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My account with XXXX XXXX XXXX was cancelled less than 15 days of getting a telephone service from the company when I found that they company did a bait and switch in which they promised a certain fee for using their service. When I received the first bill, which I received within 15 days of signing up for the service, the bill was XXXX the promised rate. I immediately called to cancelled the service and I was advised they account was cancelled. Now this charged has being on my credit report since 2011 and is having a huge impact on my credit report. On Experian, my FICO score is a mere XXXX compare to the other XXXX agencies where my FICO is above 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 2016-03-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Before XXXX purchased this student loan from XXXX i was under an approved Deferment and i am seeing that I have been reported 60 days late XX/XX/XXXX and XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: Harris & Harris, Ltd.
State: IL
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:
To whom it may concern, I pulled a recent credit report XX/XX/XXXX that showed fraudulent accounts listed. I'm not sure how my credit was compromised. I can only assumed this happened back in XX/XX/XXXX based on the oldest account listed on my credit report. Somehow, someone was able to gain access to my personal credentials. I was instructed by the major credit bureaus to file a police report and to put a freeze on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: SYNCHRONY FINANCIAL
State: IL
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:
To whom it may concern, I pulled a recent credit report XX/XX/XXXX that showed fraudulent accounts listed. I'm not sure how my credit was compromised. I can only assumed this happened back in XX/XX/XXXX based on the oldest account listed on my credit report. Somehow, someone was able to gain access to my personal credentials. I was instructed by the major credit bureaus to file a police report and to put a freeze on 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 explanation
Consumer complaint received 2016-08-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed a paid XXXX account with experian TWICE in the last 60 days. They continue to leave the balance on the collection even though I have sent them the attached proof of payment in XX/XX/XXXX. This is a violation of my federal rights.

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 2016-10-20
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

XXXX XXXX. XXXX XXXX XXXX, GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: Regional Recovery Services
State: IL
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:
To whom it may concern, I pulled a recent credit report XX/XX/XXXX that showed fraudulent accounts listed. I'm not sure how my credit was compromised. I can only assumed this happened back in XX/XX/XXXX based on the oldest account listed on my credit report. Somehow, someone was able to gain access to my personal credentials. I was instructed by the major credit bureaus to file a police report and to put a freeze on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several negative reports including XXXX XXXX card and other issued credit cards that are not mine. I have never owned or been issued a credit card of any kind except from XXXX department store. - Also my s.s card and i.d . Were stolen a few years back and was told that last year my taxes were filed in California where I do not know anyone who lives there that I am in contact with and was unable to get my taxes back until the end of the year because of the issue. My identity has been compromised and my credit is below poor because of these negative things. Also I have a legitimate bad report from sprint. Those are the only things on my report that are mine and I need this taken care of as soon as possible so that I can start rebuilding my name.

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 2022-06-02
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New Rez : " we are unable to reinstate our tradeline on your credit report due to the discharged XXXX  XXXX Bankruptcy. Newrezs action was entirely done in compliance with federal law and was not in any way a retaliation for your complaint '' - NEW REZ ( Shellpoint Mortgage ) STILL has NOT provided documentation or clarification as to which federal law they are citing. A XXXX  XXXX that was filed XXXXyears ago ( and XXXX loan servicers prior )? Please provide documentation and clarification as to which federal law you are referencing that you are suddenly in compliance with. And if so, this means you are admitting to being out of compliance with federal law for the XXXX years that you incorrectly reported my loan to the CRAs. You are fighting a losing battle. 

New Rez : " You have requested Newrez to provide documentation that no errors have been caused in reporting your loan to the consumer reporting agencies ( CRAs ) from XX/XX/XXXX through XX/XX/XXXX. Prior to the removal of Newrezs tradeline, we have confirmed the loan was reported as current each month. '' New Rez ( SHELLPOINT ) HAS NOT provided ANY documentation proving they reported my mortgage to the CRA 's correctly or error-free ( before abruptly removing it from my credit reporting tradeline without any warning or communication causing my credit score TO UNLAWFULLY DROP XXXX POINTS UNEXPECTEDLY ). A haphazard payment accounting that they retrieved from the previous servicer ( Ditech Financial ) does not show the accounting that was SENT to the CRAs by NEW REZ! I have copies of weekly credit reports from all 3 CRAs proving that NEW REZ made errors reporting my loan to the CRAs! WHERE IS THE DOCUMENTATION, NEW REZ, confirming the loan was reported as current each month to the CRAs? My copies of my credit reports will show you are lying!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I contacted Experian directly and they claimed that they were unable to verify my identity based on what I provided. I only provided my date of birth, address, and social security number which are all accurate and correct. They directed me to use the government website and I was unable to request my report that way either because experian would not release it.

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 2016-06-04
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I make over-payments nearly every month. My account at with my mortgage servicer is supposed to be set up so that over-payments are automatically credited to the principal. However several times over the last few years Ditech has taken to diverting my over-payment to other " accounts ''. Several times they have taken to diverting my over-payment into an " Unapplied Funds '' account, as if I had not made the full payment due. Each time I notice it on my next statement, I have to call in and have the customer service representatives move the credit to my principal, and each time they tell me that my account is set up so that any over-payment is applied directly to principal as of the payment date and they " have no idea why this happened ''. They will " fix it '', and for stretches of a few or several months the payments are applied correctly again. 
Last month, my servicer diverted my over-payment to my escrow account, although I did not designate the over-payment to go to escrow. When I called in again for them to fix this problem, I got the same line from the customer service representative : my account is set up so that all over-payments go to principal, we have " no idea how this happened '', and she submitted for it to be fixed. This time I thought to insist on the application to my principal being back-dated to my payment date as well. 
As per my understanding of my account terms, all over-payments I make are supposed to be credited directly to principal. Each time I speak with customer service representatives they confirm this to be true, but the company just does whatever it likes with my money. I resent that I have to babysit my mortgage servicer. Carrying an extra hundred or two on the principal for a month or so costs a few dollars of interest, but if I was not quick to pay attention it would add up. This time, the one diverted over-payment was {$280.00}. When put into a mortgage calculator at the correct date, that one over-payment saves me {$490.00} in interest charges over the projected life of my loan. That is hundreds of dollars more profit to this servicer than I even suspected! By waiting just one month for me to notice and apply the over-payment, they might have profited an extra XXXX dollars and change from me, but it all adds up! 
As far as I see it Ditech is stealing by account terms manipulation, purposefully. They brag that they service XXXX loans. Granted not everyone makes over-payments but how many other people are they stealing from in this manner? It ca n't be legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
An unauthorized credit inquiry from a company that I do not recognize and did not authorize, XXXX. Credit inquiry took place on XXXX XXXX 2016. 
Although this is more than you probably wanted to know, this inquiry was discovered in the course of applying for a home equity loan from XXXX XXXX XXXX. I am following up to make sure there is n't a fraud issue. XXXX allows mail inquiries only according to Experian - does not have a listed phone number.

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 2022-06-02
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2016-02-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent Numerous notices to XXXX to delete the inaccurate accounts they could n't verify or Validate to me. This account is not mine & need to be delete from my credit report. Experian is causing me damages by reporting this negative account which is stopping me from moving forward in the world of commerce.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I noticed that on a recent credit report, it had an address listed for me in XXXX where I had never lived, so I 'm not sure why this address is showing up on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted a several disputes to Experian after being a victim of identity theft -- starting in XXXX. I submitted all the proper documentation. They are continuing to report a card loan that does not belong to me a. I asked for the item to blocked and thoroughly disputed, I also asked for validation proof. They did not respond or send proper documentation. They are now refusing to re-investigate.

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 2017-01-22
Company: American Credit Acceptance, LLC
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
The BANK HAD SOMEONE TO TAKE MY CAR WITHOUT ME KNOWING THAT I WAS UP ARE IN LINE FOR A REPO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Credit Karma, LLC
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
After several years of monitoring my credit on credit karma, this company advertised a checking and savings account and claimed these services can be used just like a bank. I applied for a checking spend account with them, with the expectation that it would be used just like a checking account. 
On XX/XX/XXXX, I checked into a hotel and used my credit karma debit card to pay. The funds were deducted from my account, and placed on hold by credit karma. This meant that I did not have access to these funds, and the hotel could not access them either. I called credit karma customer service several times to explain my predicament and was told customer service could not help me, and my case would be transferred to a special team that apparently could only be reached by email. This special team was supposed to be contacting me in 20 minutes. This never happened. I was never contacted back, in spite of calling back and explaining my check out date is on the XXXX, and I needed the payment to check out. I was forced to make other arrangements to pay for my hotel stay and was never given an explanation as to why my funds were placed on a mysterious hold by credit karma. 
This company clearly lacks the capacity to function as a financial institution, and therefore must not be allowed to advertise themselves as one. I am still waiting to hear back and get a logical explanation on why my money is still on hold and naturally will close this account as soon as I can access my money again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo Complaint Number : XXXX XXXX Wells Fargo Case Number : XXXX This complaint is in regards to a closed account with Wells Fargo Bank. Around XXXX or XXXX of XXXX, I noticed approximately {$3400.00} was missing out of my Wells Fargo Bank Account. As soon as I noticed the funds were missing out of my account I went into the XXXX XXXX, South Carolina Wells Fargo Branch to speak with the Branch Manager. On Thursday, XX/XX/XXXX I filed a complaint with Wells Fargo Bank Personal Banker XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. Wells Fargo Bank Personal Banker XXXX XXXX XXXX created a escalated complaint. Complaint Number XXXX XXXX. A Wells Fargo Case Specialist by the name of XXXX XXXX sent me a secure message stating Were continuing to research and address your concern about missing money from an account. Our initial goal was to provide a response by XX/XX/XXXX, however further research is required in order to provide a comprehensive resolution of this matter.We now expect to complete our work by XX/XX/XXXX and appreciate your patience during this time. As of today Wednesday, XX/XX/XXXX I havent received an email after receiving the attached secure message included with this complaint.I have included a screenshot image of the Wells Fargo Secure Message with this complaint.Please let me know if you require additional information.

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