BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-18
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I submitted my complaint with Experian on XX/XX/XXXX for the XXXX time. When I pull up the case number my dispute does not appear and it will not let me dispute again. I have tried to call Experian during business hours, but the message states they are closed. 
The problem began with XXXX in XXXX XXXX in XXXX when they reported that I had XXXX late child support payments. I was XXXX military during this time, and the payments were automatically deducted from my pay. I learned of this negative information after returning from a XXXX in XX/XX/XXXX. I had tried to resovle this with XXXX & Experian around this time, but I was told the information was correct on their end. I recently uploaded the supporting document from XXXX ( XXXX pay ) to show Experian that I was never late and payments were deducted. XXXX & Experian have been negligent to correct this information. Please help me, it has been on my credit report too long. XXXX & Experian need to take responsibility for reporting incorrect information. My insurance rates and rental deposit rates have been higher, and my credit score has not improved as a result of this incorrect information listed under the negative items area.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Bayview Loan Servicing co ntinuously ignores my requests to resolve modification that should have been accepted from the prior servicer, and credit reporting that should have been corrected.     Attached are the documents.      1.  My Daughter was removed from the loan by  XXXX .    2.   XXXX  modified this loan, but Bayview is refusing to accept this modification,.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have dispute the information with the XXXX credit bureaus to no avail, and they will not remove this item from my report. I have submitted a letter from the acutal creditor stating the account is closed and they will remove it. The credit bureaus will not update my reports to remove this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-08
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 information incorrect

Complaint:
I have private and student federal loans with navient. During XX/XX/2019, I was advised that I needed to make a payment because the payments they recieved wasn't going to the accounted with the due dates. I was not provided clear instructions on which accounts to pay and as to how much.

In XX/XX/2019, I spoke with a lady who verbally advised that if I scheduled an payment my account would not report late as I would have met the deadline before the reporting to the three major credit bureaus. A few months ago, I called back and spoke to another lady and asked that an investigation be completed because I was provided incorrect information. 

As a result, the second time I called was advised that a manger would listen to the phone records to hear what her staff advised and assist with getting the late payment removed as I was following her direction. To present, nobody has called and when I call I get the run-around. 

I have tried to handle this on my own and if someone replays the phone record ( as all calls are monitored ) will clearly hear the lady advising that if I schedule a payment, my account would not report as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill for what appears as an open account-mortgage secure loan for a company called loanme. The transaction date is listed as XX/XX/XXXX in the amount of {$1100.00}. It also has a pas due payment amount of {$1600.00}. It also stated that the current payoff good until XX/XX/XXXX of {$1800.00}. Account number XXXX. 

I have not done any business with this company since bk XXXX. I do not have a mortgage and I do not know what they are talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax will not remove my IRS withdrawn tax lien. I supplied my form IRS XXXX ( Withdrawal of Filed Notice of Federal Tax Lien After Release ) and disputed XXXX times to no avail. 

The last time I filed a dispute I spoke to a Equifax manager ( XXXX ) stated that the lien was only released, not withdrawn. The representative said there is no way to remove a tax lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had Greentree for our second mortgage and they would call constantly about payments even after explaining our situatio due to an adjustable rate first mortgage. This continued to the point it was in default and we late included them in out Chapter XXXX plan in XXXX. I have read there was a settlement with green tre on XXXX XXXX XXXX and hopefully we can qualify for something from this settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: CA
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 been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate those inquiries in question or delete. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX  Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SER Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX MTG Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-29
Company: Cornerstone Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account was opened on  XX/XX/XXXX  in  XXXX , alaska the collections address and name :   XXXX   XXXX   XXXX   address :   XXXX   XXXX   XXXX    XXXX  AK   XXXX   We moved out on  XX/XX/XXXX  and the account opened on XX/XX/XXXX and the balance currently is {$260.00} the person paid 42 % of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX - XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28
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 status incorrect

Complaint:
XX/XX/2018 XXXX XXXX XXXX XXXX has been paid in full I am no longer responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have private and student federal loans with XXXX. During XX/XX/2019, I was advised that I needed to make a payment because the payments they recieved wasn't going to the accounted with the due dates. I was not provided clear instructions on which accounts to pay and as to how much. 

In XX/XX/2019, I spoke with a lady who verbally advised that if I scheduled an payment my account would not report late as I would have met the deadline before the reporting to the three major credit bureaus. A few months ago, I called back and spoke to another lady and asked that an investigation be completed because I was provided incorrect information. 

As a result, the second time I called was advised that a manger would listen to the phone records to hear what her staff advised and assist with getting the late payment removed as I was following her direction. To present, nobody has called and when I call I get the run-around. 

I have tried to handle this on my own and if someone replays the phone record ( as all calls are monitored ) will clearly hear the lady advising that if I schedule a payment, my account would not report as late.

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 2019-10-20
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened Platinum card from American Express exclusively for XXXX XXXX on XXXX. To open the charge card, one needs to have a valid brokerage account with XXXX XXXX. I submitted the application, called customer service to provide my account number, and then got approved. After meeting the spending requirements, I got the bonus points. 
Then early XXXX, I received a message saying that Amex would close my account because I no longer had an eligible XXXX XXXX account. It just doesn't make sense. I opened the charge card without any problem, but a few month later I was told I was no longer eligible to keep the charge card. And what's more, after my charge card was closed, my bonus points was removed from my reward program. They mentioned in the email that 'We recently noticed point accrual or redemption activity on your Membership Rewards program account that indicates an effort to obtain or use points in a manner that is not appropriate '. 
From my perspective, I didn't do anything wrong. My application was approved by Amex, I met the spending requirements for the bonus points, and redeemed the points in the way Amex provided. But my account was closed and bonus points were taken away. I do see some examples where bonus points are taken away because they close the account within one year of opening. But in my case, I do not close the card, it was Amex who closed the card. When I opened the account, I was eligible for the card and bonus points, but if later they changed the rule so that I was no longer eligible for the card, at least I should be able to keep the points I earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: TX
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:
To Whom It May Concern : I have sent letters to the credit bureaus ( XXXX, Equifax and XXXX ), demanding delete these accounts from my consumer report, because I never gave them any written consent to report anything on my consumer report. They are in Violation of th

e U.S Code 1692c. They have done nothing to fix this. Pursuant to 15 USC 1681b-Permissible p
urposes of consumer reports 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. 

I, XXXX XXXX never gave XXXX, Equifax, or XXXX any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. A copy of FEDERAL LAW is attached with this dispute letter. 

Concerning the account listed below as a Federally Protected consumer under title 15 Chapter 41 Im demanding a deletion of these accounts from my consumer report. 

ACCOUNTS XXXX. XXXX XXXX Account #. XXXX XXXX. XXXX Account #. XXXX XXXX. XXXX XXXX Account #. XXXX XXXX. XXXX Account #. XXXX XXXX. Original Creditor : N/A Account # XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 2020-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XX/XX/XXXX, my student loan was paid in full due to my federal income taxes being offset. XX/XX/XXXX/XX/XX/XXXX i received a check for XXXX dollars and change for " student loan repayment ''. XX/XX/XXXX i received another check for about XXXX dollars for " student loan repayment ''. XX/XX/XXXX/XX/XX/XXXX i received another check for about XXXX dollar for " student loan repayment ''. Department of education says my student loan is currently under BORROWER 'S DEFENSE but currently reporting to all credit bureaus as DEROGATORY/SERIOUSLY PAST DUE. On XX/XX/XXXX i called department of education default resolution group and they told me they can not change how its being reported and i can make a payment of XXXX to get out of default even though its under borrower 's defense and these loans will soon be discharged under the XXXX XXXX lawsuit. ( Also if i make that payment of XXXX it would be sent back or maybe even rejected )

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 2022-07-12
Company: Chime Financial 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: Information belongs to someone else

Complaint:
I called Chime and They would only give me XXXX back and {$240.00} when I prove to them that I wanted EVERY BIT of my {$1600.00} Social Security money that Was Stolen out of my Chime account during XX/XX/2021 to XX/XX/XXXX When I got out of Jail!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Delinquent account

Complaint:
I disputed an item on my credit reports with Chase Bank with a verification letter dated XXXX XXXX, 2016 and my letter was received and signed for by Chase Bank on the XXXX XXXX, 2016 [ Certified mail with their signature confirmation card ] Account # XXXX : Bal {$1400.00} [ Charged-Off ] I have retained a copy of their signature and date of receipt, as well as time-stamped copies of my credit reports showing that Chase Bank have violated the fair credit reporting act, section 623 ( a ) ( 3 ) by not placing the disclosure on my credit reports within the required 30-day period.The 30 days required disclosure expired on the XXXX of XXXX. 
As Chase Bank have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, Chase bank must now remove this item from my credit reports, which they are refusing to do. 
Can you please let Chase bank know that they 've violated a federal law and should immediately remove this item from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: CA
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:
The Credit reporting Agnecies continued reporting the fraudulent information on my Credit Report without proper verification. On XX/XX/XXXX, I requested that the Credit reporting Agencies provide me with documments bearing my signature to prove that the disputes are mine and yet, the Credit Bureaus have failed to provide those documents. On June 27, 2022, I sent another letter emphasizing the importance of the Fair Credit Reporting Act section 605b ( c ) ( 1 ) ( c ) Authority to decline and Rescind. How many letters do I have to send to the Credit Bureaus for them to pay attention to my appeals and remove the disputed items from my Credit File? It seems that the Credit Bureaus have neglected their responsibility to comply with the Federal law and became lazy to take actions and correct my Credit report. I am frustrated by the Credit Bureaus taking no action and negligent of their duties. By submitting this complaint through the CFPB, I am reminding the Credit Bureaus that they are bound to comply to the law and have the fraudulent items deleted from my Credit report immediately. I need the following items deleted from my Credit report : XXXXXXXX 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 Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2019, I submitted a fax to request my Early Warning systems consumer report to be delivered electronically. As of today, I have not received my report. FCRA laws outline my authority to request these consumer reports so I may review them for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020, I, XXXX XXXX XXXX received a letter addressed by Wells Fargo Home Mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. However, the letter must have been redirected by the illegal occupants occupying the residence and was delivered by XXXX to XXXX XXXX on the front door step of that residence. The letter indicates that it is an acknowledgement letter and I agree that I have requested that Wells Fargo acknowledge and address some matters. the letter is properly addressed to XXXX XXXX XXXX and has the correct physical address in which I am inquiring into. However, the letter does not address the proper account number. I have provided the proper account number on all inquiries submitted. Therefore, Wells Fargo will need to identify and address the proper account number because there acknowledgment account number is incorrect. The provided response date is XX/XX/2020. I will further acknowledge that I received a voice message on ( XXXX ) XXXX. The account is also missing off of 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