BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: PRESTIGE FINANCIAL SERVICES 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: Account status incorrect

Complaint:
This account is still reporting as open  and past due. 
This account was charged off so the company is falsely reporting information on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Specialized Loan Servicing Holdings LLC
State: MN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We got too many modifications and we got a notice of for XX/XX/2016 is {$1000.00} we have XXXX days to pay for the default by XX/XX/2016 .we were dealing with XXXX from specialized loan servicing, our a point of contact was XXXX XXXX customer XXXX department .back in XX/XX/XXXX I went to XXXX on a short notice because the doctors have given my sister XXXX months to live and at that time we were going through a modification I got a phone call from my husband and he told me miss XXXX said we did n't have to make the XX/XX/XXXX trial payment so my husband did not make XX/XX/XXXX trial payment then we got a letter from specialized loan servicing saying we had until XX/XX/2016 of {$1000.00} otherwise we will be foreclosed.Also they told us Miss XXXX is n't our point XXXX contact anymore.We would like to know why so many modifications? Also XXXX Bank is our third 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 explanation
Consumer complaint received 2015-11-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
It is impossible to contact Equifax , After many hours, many phone numbers, I can not speak to a person. I have had this problem for years and something has to be done. They have sent my report to the wrong apt XXXX number, I never receive it, I do n't know who has it. There is nothing I can do about because there is no one to speak to. I called again today XXXX/XXXX/15 gave them all the information for my report, but they did not ask for my apt number, so now my report will go " i do not know where '' Something has to be done about this company, it should be mandatory that a number is available to people to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Information is being reported incorrectly. It 's not correct. According to XXXX they claim this is not what they reported. The account balance at the time of the new statement was {$1.00} for interest. XXXX claim that 's what they reported. My balance being reported as of XX/XX/2016 was XXXX balance. It may should have gone from XXXX balance to {$1.00}. 
See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I did not Authorize nor did I give Consent to These Account That is on my credit ... 
This is fraud and i want it Off my Credit this is very stressful that i have to experience being a victim of identity theft I would Like This Matter to be Resolved

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 2022-10-13
Company: Unifin Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I received a letter in the mail from Unifin, Inc about an apparent past due account of mine they had acquired and provided payment options in the letter along with debt validation request instructions. I did not recognize this debt. On XX/XX/2022 I mailed a debt validation request letter to Unifin , Inc. It is now XX/XX/2022 and I have not received any sort of response from Unifin , Inc in regards to the validity of this debt. This leads me to believe that this debt can not be validated and is therefore an attempt to collect a non-verifiable debt and therefore an invalid debt. 

On XX/XX/2022 I received a letter from XXXX XXXX XXXX XXXX, after no initiation of contact on my behalf, about a referenced debt account being closed in their system, with no details on the validity of the debt. The account number referenced was the same account number listed on the Unifin , Inc initial letter.

I have still not heard anything from Unifin, Inc

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm requesting for Specialized Loan Servicing to respond immediately to XXXX XXXX XXXX and provide proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. I want a " copy '' of the note with a blank or special endorsement, allonge, an assignment of the note, or an affidavit otherwise proving status as the holder of the note. The attached assignment of mortgage does not contain any allonge, special endorsement, or affidavit.

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 2021-01-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not Authorize nor did I give Consent to These Account That is on my credit ... 
This is fraud and i want it Off my Credit this is very stressful that i have to experience being a victim of identity theft I would Like This Matter to be Resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XX/XX/XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-08-02
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Late fee

Complaint:
I tried to make a payment towards a AAdvantage card on the day it was due, a Saturday. After submitting all the information for the payment I submitted the payment but the site said there was an error. I tried for the next hour to make a payment but was unable. The following Monday I called the company directly. I explained the situation and was told it was n't a problem, there would be no late fees with a payment that day. I paid the outstanding balance completely as I intended to 2 days prior. Two months later I received an Email saying I had an outstanding balance ( a late fee ) and was being charged late fees on top of the first late fees because that was not paid. Again, this is 2 months late. I did not receive a notice of the first late fee. Since then the account has been closed but they continue to add late fees. 
Also, when I started this account it was with an introductory offer of {$100.00} which was never received I have asked about that offer and told them they could use that towards any fee but they refuse to acknowledge that offer.

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 monetary relief
Consumer complaint received 2022-10-13
Company: AMERICAN EXPRESS COMPANY
State: MS
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:
I made a reservation for a hotel via AMEX 's website with my AMEX card on XX/XX/XXXX for {$1900.00}. I ended up canceled the reservation the next day with AMEX. A credit was issued for {$1900.00} on XX/XX/XXXX. AMEX has a program for my card called Pay Over Time and my balance I had before this charge had me paying roughly $ XXXX {$100.00} a month. My charge and credit happened within the same billing cycle so it should not have changed my monthly payment amount drastically. AMEX issued my statement for XXXX and has my minimum payment to be {$1900.00}. I was told by their Customer Service that it was because I did not pay my balance in full from the previous month 's billing. I'm not required to since it is Pay Over Time. I was also told that the credit for my reservation was issued as a payment to my account instead of as a credit for the reservation I canceled. Therefore, having me pay in full for a reservation I canceled. I spoke to two representatives on the phone and 3 via chat and I have received all different explanations as to why my payment for next month jumped from $ XXXX {$100.00} to nearly $ XXXX and no resolution as how to fix it. I believe it to be an accounting error with how the credit posted, but no one at AMEX understand it. They're only reading me my charges and credits off the statements that I can see for myself. I had to threaten to file a complaint before someone took me seriously and really looked into the situation. I was told it would be resolved in 72 hours, but I am not very hopeful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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 2022-08-04
Company: EQUIFAX, 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 status incorrect

Complaint:
I am writing this as a federally protected consumer, with no third party involved. I have been working for months trying to get negative information deleted from my consumer report. I pulled my credit report on XX/XX/2022 from XXXX, Equifax, and XXXX and I noticed that all three consumer reporting agencies have different information. I contacted all three consumer reporting agencies MULTIPLE times to have this situation handled. I am tired of waiting months on in for them to " investigate '' and claim that the information has been " verified. '' This is unfair to me as a consumer. This complaint is in regards to my XXXX Credit Card with XXXX XXXX. According to my XXXX report that I pulled on XX/XX/2022 directly from their website, it shows a 30 day late payment in XX/XX/2022 and XX/XX/2022. According to my consumer report from Equifax dated XX/XX/2022 pulled directly from Equifax website, Equifax is reporting a 60 day late payment XX/XX/2022 and XX/XX/2022. According to my XXXX Consumer report pulled on XX/XX/2022 directly from XXXX website, XXXX is reporting a 30 day late payment on XX/XX/2022 and XX/XX/2022. There is a huge discrepancy and shows that this information is unverifiable and therefore inaccurate. 

Pursuant to Fair Credit Reporting Act Section 607b, " Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This account clearly does not comply with Federal Law. None of the Agencies performed their duties to ensure my consumer report is accurate. Also Fair Credit Reporting Act Section 602 ( 3 ) ( 4 ), " Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, and XXXX are violating my right to privacy and is being unfair by reporting this erroneous, and inaccurate information to my consumer reports. I am also aware that I am entitled to damages pursuant to Fair Credit Reporting Act Section 616 for willful noncompliance. After multiple attempts of calling numerous customer service representatives and listening to tell them tell me they can't delete this from my consumer report, my patience is completely through. This has caused me a serious amount of stress. I have never received proof of these alleged late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: World Acceptance Corporation
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: Information belongs to someone else

Complaint:
World Finance continues to verify inaccurate information on my credit report to various credit reporting agencies. Specifically XXXX, despite being sent notice under Section 609 of The Fair Credit Reporting Act which requires World Finance to remove or delete information if they fail to provide the authorization to pull credit and or contracts or agreements related to the debt. As of the submission of this complaint, World Finance although duly noticed more than 90 days ago has failed to provide the required information under Section 609 FCRA. World Finance is violating the FCRA by continuing to verify information being disputed as accurate yet failing to comply with Section 609 FCRA. The CFPB has shed numerous entities for these continued violations

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 2016-09-02
Company: CONRAD CREDIT CORPORATION
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 is not mine

Complaint:
Since XXXX Conrad Acceptance has been attempting to collect a debt I feel I do not owe. Since then XXXX attorneys have been contracted with Conrad to collect this debt. Although I disputed the charges and the contract, in the spirit of compromise, I was willing to pay this account in the purpose of merely to have this item eventually removed from my credit report. The scheduled payment was to be {$50.00} per month which I paid religiously every month, on time. On XXXX XXXX, XXXX the 1st payment was scheduled to be made and was paid, then immediately following that in XXXX XXXX Law turns the file over to XXXX XXXX XXXX XXXX, XXXX which I again pay on time only to have in XXXX XXXX XXXX XXXX XXXX takes over the case and there is a {$150.00} balance discrepancy which, I thought, was corrected and XXXX XXXX XXXX turns the file over to XXXX and XXXX XXXX XXXX in XXXX XXXX, XXXX now there is a {$250.00} discrepancy in the balance that is owed. XXXX XXXX, XXXX I submitted written notification to XXXX and XXXX XXXX XXXX notifying them and disputing the balance. XXXX XXXX, XXXX, nearly 6 months later I receive a generic reply with no supplemental or validation of the debt was submitted along with the correspondence as required by law. XXXX XXXX, XXXX Another letter is sent to XXXX and XXXX XXXX XXXX disputing the balance again and submitting with my correspondence all supporting documentation including proof of all payment made up to the date of my XXXX XXXX letter. No other response was ever made again by the Law Firm. XXXX XXXX was when I received another letter from another Law Firm attempting to collect this debt and now the amount is nearly doubled in collection fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Credit Card Bill was due on XXXX/XXXX/17. I called into the customer service on XXXX/XXXX/17 and paid the bill over the phone. ( Details of time, person spoke with, and confirmation number given, can be made available, if needed* ) Received bill due XXXX/XXXX/17 and noticed bill from prior month not paid, also included late and interest fees. I called back to customer service ( * ) on XXXX/XXXX/17, explained the prior month and stated I was willing to pay what I owe ( using my original given payment information, on XXXX/XXXX/17 ), not the late and or interest fees, since I paid this on my previous call ( on time ) and received a confirmation number in doing so. I was told I would hear back within 3-4 business days. I then received a letter on XXXX/XXXX/17 ( dated XXXX/XXXX/17, which is 5 business days since my last conversation with customer service on XXXX/XXXX/17, not 3-4 as I was told ), asking for information not pertaining to how my original phone payment was made ( XXXX/XXXX/17 ). 
Due to my work and travel schedule, I returned a call to customer service ( * ) on XXXX/XXXX/17 after receiving bill due XXXX/XXXX/17, balance still not paid, after 2 previous calls and additional late and interest fees. It was at this time where customer service noticed my previous calls, apologized for the error/s on their behalf, paid my bill in full and credited back all additional late, interest fees, etc. DO NOT UNDERSTAND WHY THIS WAS REPORTED ON MY CREDIT REPORT, SINCE IT WAS NO FAULT OF MINE, HOWEVER, I REQUEST THIS REPORT TO BE REMOVED FROM MY CREDIT REPORT, FOR IT IS HURTING MY OVERALL CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Certified Services, 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: Account status incorrect

Complaint:
This account is still reporting as open and past due. 
This account was charged off so the company is falsely reporting information on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was selling furniture on XXXX and received an offer to purchase it for {$60.00} on XXXX XXXX, 2022. The scammer told me that in order to receive their XXXX payment, I would need to update my Chase account and pay funds in order to receive the XXXX payment. Unfortunately I received the email and initiated payment because I fell for the scam. The scammer took {$350.00} from me and when I reported the scam to Chase, they put in a claim but later determined that they would not refund the funds to me. I saw a 7 on your side story about Regulation E and when I contacted Chase to inform them that due to regulation E, they should provide the funds to me, they still refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
am requesting the removal of XXXX judgements ( case number XXXX and XXXX ) on my Equifax credit report due to XXXX XXXX, et al. v. Equifax Information Services LLC ( XXXX ). I do not know where these judgements have originally been identified from, and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgements as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: General Motors Financial Company, Inc.
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
On XX/XX/2016 GM Financial was sent via certified mail a formal notice of dispute regarding the allege debt owed. On XX/XX/2016 a second written notice was sent demanding they cease and desist all collection activities pending validation and verification of allege debt owe. Both notices were received by GM Financial but they continue to harass i by sending emails and mails demanding payment without strict proof of its existence.This falls under laws of fraud and swindles. This company is in violation of federal laws and committing criminal acts against i. Furthermore the company refuses to validate the debt owed but has published with the credit bureaus deceptive, misleading, false, and negative remarks. Clearly this company does not believe in complying nor abiding by any federal laws- FDCPA and FCRA.

Company response to consumer: Closed