BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a Discover Credit card opened in XXXX. I have used this card up to $ XXXX charged and paid it down to {$0.00} - I used this card to establish credit and have maintained this account as my longest credit line since opened. I depend on the length of time with this account to maintain a nice XXXX credit score. I last paid this in full XX/XX/XXXX. Today, I logged into my discover account and saw the message " there is a lock on your credit account. please call us ''. I always have a lock on my credit report so no new accounts are opened fraudulently in my name. So this was not a shock. But, when I called I was told my XXXX yr account had been closed due to inactivity. I have historically used this card every few years and have never had an issue. The online activity I can see also shows XXXX balance XX/XX/XXXX. I was told that I can reapply for a new card, but that they could not reopen it. I am not having a new credit inquiry hit my report, nor am I scrapping XXXX  years of good credit history. They claim they sent me a letter, but I do not recall receiving it - I truly would never have let this account close as it is important for my credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, 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:
The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) Insurance c ) a court order. d ) employment. I recently pulled a copy of my credit report and noticed an inquiry that I did not authorize and does not fit A, B, C, or D above : - XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt was first published in XX/XX/XXXX.  Found out in XX/XX/XXXX because almost lost my clearance at work. Talked with representative in XX/XX/XXXX about why I did n't pay debt because apartment was mold infested and I have the pictures to prove it and was debating on weather I was gon na to sue. The rep stated he wanted to see them and he would send me the material to send them in. I never heard from him again and the debt was taken off my report. So I decided to forget it. 

Now it is back on my credit report again four years later, with no prior written notice. When I called National credit Systems, I was told it probably just fell thru the cracks.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: MD
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:
Unresolved investigation : I have n't heard from Equifax! 

Equifax reported a tax lien on my credit report that has been vacated by the State of MD Comptroller and the Circuit Court of XXXX XXXX XXXX. 

I provided a copy and Order to Equifax and they have not complied with the order and they have n't removed the Tax Lien, although I provided them the supporting document. 

After receiving supporting documents XXXX and XXXX has removed the Tax lien  from my credit reports as appropriate. 

I am asking that Equifax remove the Tax Lien from my credit report immediately as has been ordered State of MD Comptroller and the Circuit Court of XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-17
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We recently requested copies of our Escrow Review Statements, as well as copies of all account transactions occurring with our loan for the past three years. After reviewing the documentation, we have found that Wells Fargo is in breach of contract. The original terms of our escrow account and shortfall established by Wells Fargo Home Mortgage was for 60 months. This is confirmed in a previous Escrow Review Statement, dated XXXX XXXX. The Escrow Review Statement dated XXXX XXXX, XXXX now states our shortfall is to be paid in 12 months. The revised shortfall also includes mortgage insurance, which we have opted out and do not pay through escrow. 
We have a 60-month agreement that is not being honored. The demand for a change to 12 months is now a breach of that agreement. 
On XXXX XXXX, XXXX we sent Wells Fargo a letter describing the current breach of contract with us on our loan. On XXXX XXXX, XXXX we received a letter stating that they needed more time and that we should hear from them by XXXX XXXX, XXXX. On XXXX XXXX, XXXX we received a letter describing what they already knew regarding our mortgage insurance, but the breach of contract with the escrow account was not addressed in that letter and we have yet to receive any additional correspondence from them.

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX & XXXX XXXX XXXX have 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 : States a consumer reporting agency can not furnish an account without my written instructions.

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 2017-09-13
Company: Experian Information Solutions Inc.
State: SC
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:
Experian continues to verify an account that is showing a repossession that is not correct. The account, XXXX XXXX XXXX, is showing it was repossessed in XXXX XXXX. I sent Experian proof, the title to the card, showing that the car was paid off and I held the title. They repeatedly claim their information is correct despite the proof that was sent. They are violating the FCRA and I would like to have the account removed from my report. XXXX and XXXX has accepted my proof and removed the account but Experian refuses to acknowledge anything I send them regarding this account.

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 2017-09-13
Company: Navient Solutions, LLC.
State: SC
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:
Navient is reporting a 90 day late payment on my credit report that is incorrect. I have sent letters to Navient and the credit reporting agencies with no success. I was never late on the account and the account is in deferment. It is impossible to have a late payment on the account when it is in deferment. As well as if I was 90 days late I would also have to be 30 and 60 days late but that doesnt show, just an incorrect 90 day late payment. This is showing up on 4 accounts which is affecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is in response to CFPB Complaint # XXXX dated XX/XX/XXXX wherein Equifax responded that I " did not list any specific items '' in my dispute. IF Equifax looked at my file on their own website, they would see that on XX/XX/XXXX I filed an online dispute which clearly laid out the two addresses I want removed from my file -- XXXX XXXX XXXX, XXXX, MI and XXXX XXXX XXXX, XXXX, GA. These same addresses have been disputed since XX/XX/XXXX as I have NEVER lived at either address and never even visited Michigan in my life. I have received AT LEAST four written confirmations from Equifax that they have been removed ( Confirmation # 's XXXX, XXXX, XXXX, XXXX ) but as you can see on the latest Credit File I received on XX/XX/XXXX, ( Confirmation # XXXX ), they are still on my file! This confirmation has a notation next to each address which says " Reported XX/XX/XXXX. '' I have no idea what this means -- are you saying that a CREDITOR has reported that this is an accurate address for me?? If so, then I have the legal right to know who is reporting this. I have two more online complaints asking that these two addresses be removed and Equifax has sent me two emails confirming that my dispute has been resolved, but I CA N'T ACCESS the Equifax Dispute Portal because Equifax uses incorrect financial data to verify my identity! ( That will be addressed in another complaint. ) Those two Confirmation # 's are XXXX and XXXX. I do not know what the resolution is because I ca n't access the Equifax Dispute Portal, but expect that it is again confirming that Equifax has removed the two bogus addresses from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Atlanticus Services Corporation
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company in question is calling every 90 minutes on weekdays and Saturdays. The company called twice this past Sunday XX/XX/XXXX. I advised them not to call on Sunday and to call back on Monday if they wanted to speak.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Apartment complex XXXX XXXX XXXX in XXXX Texas are claiming that I leased an apartment with them and have a balance due which is now in collections. The account is now being handled by a third party TSI- Transworld Systems Inc . I went in person to speak to the property manager, XXXX XXXX, and he stated he doesnt not have access to my lease nor the documentation collected at the time the lease was signed. He went as far as mentioning that this community lately has gone thru a sweeping change of staff due to several fraudulent leases and out of compliance issues and mentioned its not likely they havent any of my original lease information on file. I have spoken with the collection company as well because this is hurting my credit and have tried to dispute it and request original documents collected and my identifications showing it was me that leased the apartment but no one is helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: NC
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, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX & XXXX XXXX XXXX have 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 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
The financial institution ( Ally Bank ) is not properly recording transactions and is not allowing transactions to be disputed based on their inability to properly record or report transactions. On XX/XX/2022 a charge in the amount of {$200.00} was withdrawn from my account with the Bank listing XXXX XXXX as the business. This is a XXXX in XXXX XXXX Colorado, a state in which I do not live. I promptly disputes the transaction. Nearly 3 months later on XX/XX/2022 they closed the dispute saying it was an authorized charge to XXXX XXXX XXXX and once again removed the money from my account on XX/XX/2022. Obviously this was confusing as that is not the business I was disputing a charge to. I called Ally Bank and they repeated that it was an authorized charge and that they had sent a letter informing their customers of an issue with transactions not being reported properly. I asked the customer representative when they sent the letter as I did not recall receiving it. She asked me to wait while she searched to see when it was sent only to tell me that they in fact did not send a letter. I am at a loss for why they are not required to inform their customers that the information we ( the customers ) are seeing is apparently not accurate. This conversation with Ally happened today, XX/XX/2022 and I am still not sure who the transaction for {$200.00} was actually for. It seems to me that a financial institution should have an obligation to accurately track the transactions of their customers and if they are unable to they should have an obligation to notify customers of their inability to do so. Im still not sure who the charge was for, what charge I disputed or whether or not it was properly disputed. Unfortunately when I notified Ally that I was unhappy with their resolution the short of what they told me was too bad. That feels, at best, unethical and at worst I am not sure if they are actually stealing money from me.

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 2019-10-15
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am being sued by XXXX XXXX and Pressler for an old debt that I have no evidence that it even existed. They harass and threaten. They have no original paperwork, no papers of payment, no papers of default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was approved for the Platinum Delta SkyMiles Credit Card from American Express on XX/XX/XXXX ( see attached Approval Letter ) under a welcome promotion of XXXX delta miles for {$4000.00} in spend in 4 months as well as a {$100.00} statement credit for a Delta purchase in the first 4 months. Despite meeting the spend on my XX/XX/XXXX statement by spending over {$4000.00} ( I spent {$4100.00} between XX/XX/XXXX and XX/XX/XXXX to be exact ), and spending {$100.00} on XXXX XXXX on XX/XX/XXXX ( see XX/XX/XXXX statement attached ) I have yet to receive my XXXX bonus miles or my {$100.00} statement credit. I have been in contact with American Express ( and opened up an investigation as well, investigation # XXXX ), and was told this was a problem affecting numerous customers and would be fixed by XX/XX/XXXX. This has not yet happened. 

The offer was public and available to all applicants and I have not yet had a Platinum Delta Skymiles Credit Card that would prevent me from receiving my bonus. There is no reason why American Express should be withholding my miles when it is a common problem and there is nothing to investigate other than if I met my minimum spend and spent money on delta in the first 4 months - both which have clearly occurred, as the documentation shows.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
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 am requiring to remove wrong account XXXX from my credit report. I have no idea why this account showed up on credit report, because I never applied for this credit card and never received any credit card. Please investigate this problem and remove this account as soon as you can. I recently contacted XXXX XXXX and they does not have any information about transactions. I do not want that account which do not belong to me being in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I subscribed to a weekly food delivery service ( XXXX XXXX ). I canceled the services in the middle of XXXX in 2020 ; however, my deposit account was charged XXXX on XX/XX/2020 for food I did not receive. I tried contacting the company but their phone has been disconnected. So I called the Simmons Bank branch located in XXXX, AR on XX/XX/2020 after I realized I have been charged and filed a dispute. Simmons Bank provided me provisional credit on XX/XX/2020. On XX/XX/2020, Simmons Bank reversed the provisional credit without providing me a letter. I called their customer service number ( XXXX ) to find out why the provisional credit was reversed. I was told they can't tell me why my disputed was reversed and they will not open the dispute again.

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 2021-03-09
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 want to report that my identity has been stolen, a number of accounts had appeared in my credit, in the passed i had lost my wallet but although I reported to the police apparently someone is using my identity to open accounts in my name. An FTC report has been summited and is attach to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX XXXX XXXX, Chapter XXXX Bankruptcy Discharged XXXX-XXXX-XXXX/XXXX-XXXX-XXXX/XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX - XXXX  XXXX  XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: EQUIFAX, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Three different mortgage lenders cant get my Equifax credit report when they ran my credit. They received XXXX and XXXX just not Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
AROUND XX/XX/2021 I NOTICED A COLLECTION APPEARED ON MY CREDIT REPORT I DISPUTED IT AND IT WAS DELETED XXXX XXXX AND NOW IT HAS REAPPEARED UNDER A DIFFERENT COLLECTION AGENCY I CHALLENGED THE ACCOUNT AND ALL THEY DID WAS UPDATE IT SO THE ACCOUNT IS STILL REPORTING ON MY CREDIT REPORT AND THEY WILL NOT REMOVE THE INCORRECT INFORMATION. I HAVE ASKED SEVERAL TIMES. THIS ACCOUNT HAS ALREADY BEEN DELETED ALREADY AND SHOULD NOT BE REPORTED ON MY CREDIT REPORT I HAVE ATTACHED THE REPORT WHEN IT GOT DELETED AND WHAT IT IS REPORTING AS NOW.

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 2019-10-15
Company: Experian Information Solutions 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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