BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-01
Company: WELLS FARGO & COMPANY
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 is missing that should be on the report

Complaint:
After getting a mortage modification at the end of 2013 I know longer am seeing mortgage payments being report since then. We been paying on time since modification was in place and this would be a huge boost to my credit score. I am enrolled in XXXX XXXX credit monitoring tool which also flags things that can hurt your score like unreported mortgage payments because it shows consistency of being on time with large payments and when you don't have it you don't get the advantage of that boosting your creditor score.

I don't know how to fix this. And somethings I've read have made it sound like it has to be researched first but I can't get good info. Like the could there be negative consequences for having reporting of mortgage payments to Wells Fargo before the Chapter XXXX  bankruptcy has gone of my report. I'm confused.

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 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity 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 2022-04-12
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I purchased XXXX  earbuds online using my apple card. It was the first time for me to use an apple card. On XX/XX/XXXX I returned the earbuds for a full refund. I did not realize that the original purchase on XX/XX/XXXX resulted in a {$5.00} cash reward. I incorrectly assumed that since I returned the item so quickly, the reward would be removed from my account. That {$5.00} turned into an amount due on my card. I never received a statement from XXXX  so I had no idea this was a balance due. On XX/XX/XXXX I noticed my credit score went from XXXX to XXXX. When I researched the reduction and realized it was from the {$5.00} charge on my apple card. I immediately paid it, not even knowing what the {$5.00} charge was for. At that point I did not care, I wanted my account up to date. On XX/XX/XXXX AFTER I paid the balance, XXXX  hit my credit score again. My credit score is now XXXX. I filed a dispute with all 3 credit agencies and XXXX XXXX admitted they should have just removed the cash reward balance from my account since I had not spent the reward yet. XXXX  also admitted they were wrong to hit my credit again on XX/XX/XXXX after I had paid the bill but yet all XXXX credit agencies are saying my credit score is correct and they have closed my dispute. 

A person with a credit score of XXXX does not ignore {$5.00}. I had no idea this was even on my apple card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX XXXX XXXX  Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: RoundPoint Mortgage Servicing LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife lodged the following complaint with the XXXX against RoundPoint Mortgage : " Constant issues with our escrow account. They 're raising our mortgage due because they not applying payments correctly. 
My husband and I had purchased our home in XXXX XXXX, SC in XXXX XXXX. After our closing, the mortgage was purchased by Roundpoint Mortgage. Since then we 've had a number of issues from them not paying our hazard insurance and sending our escrow money back in a {$700.00} check in XXXX XXXX and then sending a bill for the same amount after finding their error. We 've had numerous analysis done and have been given XXXX different mortgage payment amounts. We 've talked to several of their employees both in XXXX and here in XXXX. We were told not to pay our mortgage last month until the last analysis was completed which made us late. We just received another check from them for over {$1300.00}. After once again speaking to a representative, my husband was told to cash the check and send them back about {$100.00} to bring our monthly payment back down ... and we could keep the rest. He looked at what was in our escrow account, about {$110.00} when there should be well over {$1500.00} in there. '' The RoundPoint response to the complaint was inaccurate at best, misleading at worst. 
I 'd gladly send you their response along with our XXXX character rejection of their response. In summary, RoundPoint has mismanaged our account, served us poorly, and is, now, attempting to revise the history of our recent relationship through RoundPoint Assistant VP, XXXX XXXX XXXX 's response. I was proactive, did the legwork, performed the research, and endured and educated RoundPoint reps throughout this process. For these reasons, it 's with conviction and zero hesitation that I do not accept RoundPoint 's response to our XXXX complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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: Information belongs to someone else

Complaint:
FRCA Violation other loans XXXX XXXX FRCA Violation collection XXXX XXXX  FRCA Violation personal information XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FRCA Violation auto loan late payments XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently received a copy of my Experian credit report. The credit report showed a hard credit inquiry by XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, & XXXX XX/XX/XXXX that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. I need your prompt response to this issue. Please be so kind as to forward me documentation that you have removed the hard inquiry. If you find that I am mistaken, and I did provide authorization to inquire into my credit report, then please provide me proof of such authorized inquiries.

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 2022-08-25
Company: ENCORE CAPITAL GROUP INC.
State: NY
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, Midland Credit Management Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnace an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
I had a bank account with Bank of America which was not closed for fraud it was closed because of a check that I received and deposited from my employer I gave copies of all the documentation to Bank of America regarding the check and where it came from they had no balance owed I owed nothingthey closed my account with a balance that they owed me and I see on my consumer report that they say I owe them money which is not correct several of my accounts got closed because of the wrong information that they have on my consumer report I want it fixed right away

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 2020-04-20
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My wallet was either lost or stolen, and reported. I also notified the 3 major credit reporting agencies of this. And since my identity been compromised I've noticed unauthorized accounts reporting on my credit file. I'm sure neither of the credit reporting agencies supports fraud so therefore I'm demanding that these fraudulent unauthorized accounts be blocked and removed immediately.

As follow 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX  3 ) XXXX  Dept of ED {$1200.00} 4 ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a tax lien with the XXXX XXXX XXXX XXXX in XXXX XXXX was paid in XXXX. The judgement was placed by XXXX. The account was paid and has a zero balance. XXXX has removed this information, but Experian will not remove it. I supplied Experian a copy of the XXXX report showing that XXXX has the lien as satisfied/released. They said they could not use this. XXXX will not supply me with any information regarding the account since it was closed. Please have this removed from my credit report. I have attached the XXXX report showing the status of the lien being satisfied.

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 2020-03-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  XXXX  wrongfully reported my wife and I during the government shutdown last year XX/XX/2019. They eventually acknowledged and removed that 30 day late status XX/XX/2019, but our 70 points taken off from each of us never returned.

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 2016-03-03
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is not responding to my request to investigate and correct accounts in my credit report that are reporting incorrectly.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This report is inaccurate because it is under one company yet the account numbers are different. Also the account number XXXX show no late remarks whatsoever only the 2 different account numbers only.

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 2017-01-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX, When my husband and I build our first house we ran into a snag when they found on my credit report someone else 's info. She had the same name as I and we lived in the same town. My husband worked hard to get her info off so we could close on our home. In XXXX we got divorced, my credit only had slow pays on did due to financial problems of divorce. In XXXX, I had to refinance my home, when my credit was run I found Experian had put this person back on my credit report SS number, address, bankruptcy, we went to same Dr 's Hospitals, etc. My SS # was also on this report dated XXXX actually there were XXXX SS # 's on it. It also shows a bankruptcy, I 've never had one, and this still shows on my report today. When I reported this report, They told me to prove it was n't my info. I had pulled my CR from the other XXXX companies and their reports were right and had half the info, I asked them how come those were right and Experian were wrong, where did they pull those SS # 's from. They still insisted I fix this. In the mean time I had to refinance my house at a higher interest rate 7.9 because I could not get all this cleared up in a timely manor. It 's at least XXXX or more problems not XXXX or XXXX. I worked XXXX jobs and a single Mom with a small XXXX son, there 's no time to hang on a phone. The only help they offered was to quickly remove the wrong SS #. These errors have followed me for years. They have ruined my credit, forced me to pay cash, not letting me establish credit, purching cars at extremely high rates, or for cash only. My bank stopped giving me small loans because they thought I defaulted on my loans. She and I banked at same credit union. That was n't me!! It was the other person, she filed bankruptcy!! They need to be held accountable!! Now I see debt that should have been removed years ago showing derogatory until XXXX? I have all my old Credit reports showing there errors. I thought they were formed to protect us not to hurt us!!

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 2015-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Credit Card companies are deleting Historical account information reporting incorrectly and re-aging of account. CRA are being advised that information is reported correctly that account belongs to consumer. I am not questioning the validation of whom the account belongs to but I am informing the CRA that they are in violation of FCRA ( 7 year maximum reporting period ). All account information which shows deleted or no Historical Account information and payment made not provided is the Credit Reporting agencies attempt to camouflage their violation and report incorrectly. Any and all accounts that are in violation of FCRA ( 7 year maximum reporting period/Historical Account Information not available/Payment History not available ) needs to be removed immediately. Check attached documents and all reporting periods are false. No Historical information is present to validate their reporting period and payment information made is deliberately not shown to continue reporting false information/incorrect/unsupported data. Please investigate and enforce any action necessary. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I HAVE CONTACTED PDM AND REQUESTED A FULL DISCOVERY AND COPIES OF A CONTRACT THAT THEY CLIAM I HAVE SIGNED. MY SON HAD RENTED A PROPERTY AND HE GOT A FINAL ACCOUNT STATEMENT EMAILED TO MY HUSBAND OF {$830.00} WHICH HE DISPUTED AND THAN THEY REPORTED TO THE CREDIT REPORTING AGENCIES A BALANCE OF {$2400.00} THEY CLAIM THAT BECAUSE A 60 DAYS NOTICE WAS NOT GIVEN. IN THE STATE OF TEXAS THEY CAN'T DOUBLE DIP AND CHARGE FOR RENT AFTER HIS CONTRACT WAS OVER. I HAVE REQUESTED FOR THEM TO PROVIDE ME WHEN THE UNIT WAS RENTED SO THAT I CAN SEE THE DAYS THAT WERE NOT RENTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
The investigation of my discharged bankruptcy and unauthorized inquiries by the credit bureaus have been extended for more than 45 days. No validation from the credit bureaus or validation from the companies that the credit bureaus gave access (to my credit file XXXX ***********) has been given in writing. No validation of Debts has been given at all XXXX. BY law You MUST delete the discharged bankruptcy and all accounts in the discharged bankruptcy and ALL the unauthorized inquiries ASAP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: APR or interest rate

Complaint:
Capital One raised my interest rate on my current bill. I received NO notice by phone, email or standard mail to advise me that this hike was about to occur. Just prior to receiving this bill I made a purchase with this card. If I had known that this hike was about to occur I would have used a different card. XXXX with a lower interest rate. When I called to complain they told me my card was an adjustable rate card which once again I had no knowledge of that if it is indeed an adjustable rate product. When they sent me the original solicitation to sign up for the card a number of years ago that stipulation must have been hidden in the fine print. On both counts Capital One was deceptive at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: Diversified Consultants, 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:
I paid the debt with the original creditor, XXXX. I do not know why it was turned over to Diversified Consultants, because I did not do anything wrong. Diversified Consultants is continuing to report the bill as open and unpaid on my credit reports, though I have called them, directly, twice to resolve this matter. They refer me back to XXXX and deny ever speaking with me about this matter. XXXX refers me back to the collection agency, when I contact them. It should have never been turned over to Diversified Consultants, and neither party is attempting to work with me to resolve this issue. In the midst of this, my credit report is being negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The date of last active and date of last payment varies from bureau to bureau. Also the late remarks are not consistent with the reporting bureaus.

Company response to consumer: Closed with explanation