BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-18
Company: Experian Information Solutions Inc.
State: NJ
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:
Reports are showing accounts being update on XXXX and XX/XX/XXXX when accounts were closed and discharged on XX/XX/XXXX 2017

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 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
having issues changing my address

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 2022-12-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Citizens Bank where I have a checking account and a mortgage with them. They were taking the funds out automatically. I was called by a representative last month and I told them that I would have funds the following day to pay the mortgage a few days late. It was close to XXXXXXXX XXXX the representative stated that she would set up the automatic withdraw from my XXXX XXXX XXXX XXXX XXXX XXXX to my checking account at citizens where I was waiting for a check to clear the following day. Well they tried to take it out that very day I spoke to them they gave hit me with over XXXX dollars in fees and I have a deficit of XXXX that they are now claiming as a collection account. Their actions are unbelievable. I had told them that I had broken my shoulder and elbow but they had no sympathy I havent worked since XXXX due to this horrible injury. I need help to fix this I believe it is totally stealing my money with fees that should have never been charged due to the misrepresenting they would wait one day before accessing the XXXX XXXX XXXX XXXX Thank you my cell is XXXX Sincerely yours, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: VA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-01-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Checks were mailed to company for payment in full. Representative verified that they received monies but paperwork with acct numbers has been lost by company so they returned the checks to me. Debt should be paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: OneMain Finance Corporation
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have no knowledge of the credit inquiries nor did I give anyone permission to run my information at any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Mr. Cooper Group Inc.
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I went into Covid Forebearance with another company XXXX during the pandemic. I started my loan modification to get off of forebearance in XX/XX/XXXX. XXXX had completed my application and sold my loan simultaneously in XX/XX/XXXX. 

They sold my loan to Mr. Cooper also known as Nationstar Mortgage. I was told they would honor my previous completed loan modification with XXXX, they reneged on that. Then I was told I would need to complete a loan modification with them instead. I submitted all required documents in XXXX XXXX then over the course of 7 months I had to submit over 100 documents to Mr. Cooper ; many of the documents were repeats of the same documents I had already submitted. Mr. Cooper was so disorganized that they were not able to sort through the documents already given to them. They constantly took so long that my bank statements would go over their 60 day due dates. 

I have been unable to make a normal payment on my loan throughout the entire loan modification process, I have been unable to complete the loan modification due to Mr. Coopers ineptness. In XXXX XXXX  my loan was marked as delinquent and my credit score dropped XXXX points, even though I have requested and complied with every requirement to get off COVID forebearance for 16 months. I have asked several times to escalate my loan modification to get the process moving. 

I am blocked from making a payment to them and I am stonewalled from completing my forebearance loan modification for over a year. 

Now my credit has been decreased by XXXX points because Mr. Cooper has been unable to complete a loan modification over the course of 7 months despite hundreds of calls and hundreds of submitted documents. 

I am blocked from paying by Mr. Cooper while in a loan modification status while simultaneously are being punished for not paying on my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute a transaction on my XXXX XXXX credit card account. 

What happened : To date, no action has been taken to correct this error, and the incorrect charge of [ {$1000.00} USD ] remains on my credit card statement. I have not received any communication from XXXX XXXX regarding the status of my dispute or the resolution process. 

I am exercising my rights as per the following sections of the Fair Credit Reporting Act : 15 U.S.C 1681 Section 602 A : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : No consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes that antedate 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.

Given the fraudulent nature of this account and the breach of my identity, I kindly request the following actions : 1. An immediate investigation into the origin and validity of this account by XXXX XXXX. 
2. The removal of this inaccurate and unauthorized debt from my credit report.

3. A formal confirmation in writing that this debt has been removed from my credit history.

4. Any necessary legal actions to rectify the breach of my identity and to hold the responsible party, XXXX XXXX, accountable for their actions. 

I expect that this matter will be resolved promptly and in full accordance with the law. Failure to do so may result in further legal action to protect my rights and restore the accuracy 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
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Ive been trying to dispute this account in several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$280.00}, XXXX XXXX XXXX Balance : {$230.00}

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 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022

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 2023-06-29
Company: FIRST PORTFOLIO SERVICING INC
State: NC
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:
I've already submitted my police report on the fraudulent accounts to be Removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: ENCORE CAPITAL GROUP INC.
State: NC
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:
I've already submitted my police report on the fraudulent accounts to be Removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have contacted TransUnion several times in regards to the inaccurate information that they are reporting in my public records pertaining to a XXXX bankruptcy that was dismissed and closed in XXXX and company called LCI CONSUMER CENTER is in fact reporting this inaccurate information I have talked with the supervisor @ TransUnion and she made me aware on XX/XX/XXXX she was able to send the documents that this bankruptcy was in fact dismissed and closed she file another dispute in regards to the inaccurate information and TransUnion sends verification again that this was verified. I will be attaching information from the XXXX XXXX XXXX, XXXX XXXX AND THE COURT AND THE COURT CERTIFIED TRANSCRIPT OF THE ACCURATE INFORMATION. THIS SAME INFORMATION WAS SENT TO LCI XXXX XXXX AND TRANSUNION. TRANSUNION WAS TOLD BY XXXX XXXX TO REMOVE THIS INACCURATE INFORMATION AND TRANSUNION HAS REFUSED.

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 2023-10-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX , XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX XXXX , XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by Defi-ai.org, which involved me making deposits for a total amount of XXXX USD from my Bank of America account to a fraudulent investment firm.

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 2019-01-20
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX  is currently showing as reporting this negative and unknown on my Experian credit report. under XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, NJ XXXX ( XXXX ) XXXX, although they had previously corrected this as paid and closed. XXXX XXXX states it is not their account, however, the info matches their XXXX XXXX  Retail card services as shown on attached photo of their XXXX  page.

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 2023-01-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I transferred two amounts from my Amex Serve account ( which was tax refunds through XXXX XXXX for the years XXXX and XXXX ) to my XXXX XXXX savings account that I had confirmed with serve through two small deposits. I made to ACH transfers on XX/XX/XXXX of {$2500.00} with transaction ID of XXXX and {$2600.00} with transaction ID of XXXX which were supposedly completed on XX/XX/XXXX and the money was never received by XXXX XXXX and they keep blaming each other. I have to get this money back!! Its my money! My tax return

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was mailing a check to the XXXX XXXX, I put it in the mail box on XX/XX/XXXX. 
I checked my balance on the 1st. and found out that someone has cashed it with the amount of XXXX XXXX The mail box was broken into.

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 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX initial dispute filed requested to investigate items that were never investigated. The company appears to " cherry-pick '' items to dispute. Consumer effectively requests investigation of all items requested in the letter. Failure to update the bureau to reflect item as under investigation and failure to provide proof as to how items are validated. 

XXXX Second letter sent via mail to verify same items and bureau continues to ignore disputes sent by not updating credit bureau to reflect item as in dispute by consumer. As required by law. 

XX/XX/2020 prior information deleted and placed back on the bureau with different account numbers for the same 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 2023-01-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX **** Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-06-16
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022, I made an online purchase of a XXXX XXXX from Home Depot XXXX The price of the lawnmower was listed at {$310.00}. While making this purchase, I applied for and received veteran discount status. After requesting the veteran discount rate of 10 % for this purchase, I received a discount of {$31.00}, bringing the total purchase price down to {$280.00}. 
I was now ready to make the purchase and proceeded to check-out. My intent was to use a credit card that I already had. However, I was next prompted by Home Depot to consider opening a charge account, and if so, I would receive an additional {$50.00} discount just for opening it. At this time, I applied for and was accepted for a Home Depot Credit Card Account. I then proceeded to check-out and make the purchase. 
When I received my receipt online via e-mail, I noticed that the {$50.00} discount was not granted. I called and spoke to Home Depot Credit representative and he stated that the discount will show up as a statement credit and not to worry. 
I received my statement dated XX/XX/2022, and there was no indication of a {$50.00} discount being applied. 
I phoned Home Depot Credit Services again on XX/XX/2022, and after a half hour of waiting for a representative to rectify the mistake, I was informed that since I had already received a discount of {$31.00} based on my veteran status, the {$50.00} discount that was offered to lure me into opening a charge account does not apply. 
I had no intention of opening this account, but I couldnt pass up a savings of {$50.00}. 
Home Depot used deceptive means to lure me into opening an account. 

I would like {$50.00} applied to my existing Home Depot Credit Card balance.

Company response to consumer: Closed with monetary relief