BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: DISCOVER BANK
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:
On XX/XX/2023 I applied by phone for a Discover card, I was approved but the credit limit approved unacceptable, compared to my other credit cards. I was on the phone with the rep for discover and told them ( Please I do not wish to take this card ) DO NOT OPEN THIS ACCOUNT Please. I called back at least 20 times and spoke with numerous supervisors including opening a case regarding this credit card. All these notations are on my account. I spent hours and hours trying to fix this. Discover told me do not worry this will not be reported to the credit bureaus. 
Yesterday XX/XX/2023, I received an email from XXXX stating my credit score had dropped from XXXX to XXXX in one day. I logged on and saw the reason for this was Discover reported to the bureau as a closed account. Discover had ruined my credit which is perfect, in ONE DAY! 
I have never had any lates, derogatory credit, all low balances, on all cards, No Public records, all credit scores above XXXX. 
This is totally unfair as I work so hard to make sure my credit is always perfect. Under the FCRA- and the CFPB they need to correct this information as It has hurt my credit substantially. This is Defamation of credit. False information has been reported and is a violation of the FCRA. 
NOTE : I am in the middle of purchasing a home and now because of Discover Card has completely ruined my chances of being able to purchase this. I know you help consumers greatly and would appreciate your help enormously. I need Discover to REMOVE this account from my credit bureas ( Delete this account ) I Never approved this card, received this card, or activated this card. I told them DO NOT open this account. A consumer has the right not to take a credit card. Please Help, thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have filed dispute with Experian, XXXX and XXXX, but i have only heard from Experian and XXXX. Its been over 60 days and I haven't heard anything from XXXX. Experian an XXXX reported that the information was verified and accurate but I have proof that that is not true or accurate. 

XXXX XXXX has deleted the bankruptcy off my consumer report and the US bankruptcy court verified that they do not report the the credit bureaus.

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 2022-07-22
Company: Experian Information Solutions Inc.
State: MS
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 XXXX accounts in my name on my experian credit report that I dont have a clue about. XXXX is XXXX credit card and the other iXXXX XXXX XXXX  XXXX My idenity was stolen and used to recieve credit cards that I didnt consent too. I am filling this report to press charges.

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 2018-04-16
Company: WELLS FARGO & COMPANY
State: CO
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:
I purchased my home in with a 30-year mortgage in XX/XX/XXXX and was originally with XXXX XXXX XXXX. In XX/XX/XXXX I refinanced to a 15-year loan with Wells Fargo Home Mortgage. I have made every payment on time without any late or missed payments. I filed bankruptcy ( chap XXXX ) in XX/XX/XXXX and was informed by my attorney to not reaffirm but to continue making my payments as agreed. On XX/XX/XXXX I made a lump sum payment and paid my mortgage in full. On XX/XX/XXXX my credit score dropped 31 points. When I checked my credit report I found that my mortgage was missing from the report all together. It is like I never had a mortgage in the first place. I pulled out some older credit reports and they list Wells Fargo Home Mortgage as under a bankruptcy. I was told ( in XXXX ) by a representative of Wells Fargo that once my mortgage was paid in full it would be noted on my credit report. So I continued with the payments to include that last lump sum payment. 

The credit bureaus continue to report the bankruptcy but a penalizing me for the positive achievements I've made over the years. This doesn't make sense to me. How can I be penalized for the longevity and positive credit I've achieved and still be negatively impacted. Not one of my bills are late. I should receive the credit for this. I sent the credit reporting agencies a " Request for Addition of Supplementary Credit References '' Wells Fargo says to call the credit reporting agencies and the credit reporting agencies tell me to call the mortgage company. I am between a rock and a hard place.

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 2022-07-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent letters to the consumer reporting agencies regarding fraudulent inquiries reporting on my consumer report, and I filled an identity theft report that is attached below, and I also filed a police report with the XXXX Police department, still waiting for that report to become available. The fraudulent unauthorized inquiries are listed in the identity theft report attached below with dates the fraud was committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
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:
XXXX has confirmed payments on acccount ending in XXXX, as a one time debt account ending in XXXX which does not belong to me on XX/XX/XXXX. Before that in XX/XX/XXXX chase said payments were being made from a checking account ending in XXXX which also doesnt belong to me. I have never been associated with the XXXX XXXX XXXX XXXX, CA. 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 2023-08-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgages Services , Inc. called me on XX/XX/23 XXXX. Their voice mail asked me to call them back... no name given. I called back. The person I talked to said they need declaration page for my home insurance. She didn't know which insurance they required the declaration ( mine or the condo association 's ), Since it was not clear what they needed, I requested a letter from them to be sent to me clearly stating what it is they need. She said she would request that. 

On XX/XX/23 I got another call supposedly from this company but my phone says the number is for XXXX XXXX XXXX. She said she was calling for Carrington Mortgage Services LLC and this is the number to call according to my Carrington Reverse Mortgage Monthly Statements. I told her that I had already talked to them the day before, and they said they would send me a letter telling me exactly what it is that they need from me. This person 's response was that she would make a note to my file, but that they can not send me a letter. 

I said the mortgage is on my property and if you are a legitimate company, you can send me a letter requesting what it is that they need from me. I have received letters from this company in the past, so I don't see why they can not do so now. She said she again repeats that they can not send me a letter and she would just make a note to my file. 

Please communicate with Carrington Mortgage Services , LLC at XXXX XXXX XXXX, XXXX, XXXX  XXXX and ask them to send me a letter ... XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX B, XXXX XXXX XXXX XXXX  XXXX... telling me what is that they require from me. 

Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-06-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Been in response to Experian since XXXX. On XX/XX/XXXX they finally responded and indicated they couldn't complete my request due to verification not sent, when clear copies of SSN, ID and Proof of Address were sent via certified mail. Experian also indicated on XX/XX/XXXX - creditors need to be contacted, in which in previous dispute - this was already stated that creditors were contacted. Experian hasn't completed any investigations and accounts are clearly unknown and not verified, with clear evident in violation of Federal Laws.

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 2022-12-20
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received a statement in the mail for my XXXX XXXX XXXX XXXX credit card payment of {$210.00} due XX/XX/XXXX. I mailed a check with the payment stub to the supplied address of XXXX XXXX XXXX, XXXX TX XXXX on XX/XX/XXXX. Please see attached carbon copy picture. 

I then received a statement in the mail stating I still owed the balance of {$210.00} along with a late payment fee. I called XX/XX/XXXX and spoke to a representative. They stated they had not received the check and eventually disconnected the call. I did not hear back from them. However, XX/XX/XXXX the check was cashed and cleared my bank account. Please see attached bank statement screen shot. 

I have now received another statement due XX/XX/XXXX for the misapplied " late payment '' charge and interest of {$36.00} total. 

My initial payment was not late. I mailed the check well before the in mail deadline and plenty of days ahead of the payment date to be received, processed, and applied. It seems XXXX misplaced my check and then was able to find it and apply the funds XX/XX/XXXX after I called XX/XX/XXXX to complain. 

I do not owe a late charge or any interest of my promptly mailed check payment. The incorrect {$36.00} balance owed needs to be removed from my account immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-20
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I PUT DOWN {$500.00} WITH AMERISAVE TO LOCK IN AN INTEREST RATE WHICH WAS ALSO EXPLAINED WOULD GO TOWARDS CLOSING COST. AMERISAVE TOOK TO LONG TO PROCESS THE PAPERWORK ONCE THE HOME WAS COMPLTED WHICH REQUIRED ADDITIONAL FUNDS AT CLOSING. WE WERE SCHEDULED TO CLOSE ON XX/XX/21 AFTER BEING DELAYED 4 ADDITIO0NAL TIMES AND AMERISAVE WAS NOT READY. AMERISAVE DID NOT COMMUNICTE WITH THE CLOSING ATTORNEY TO ENSURE THE FINAL DEADLINE OF XX/XX/21 WOULD BE MET. THE CLOSING PAPERWORK DID NOT ARRIVE UNTIL XX/XX/21 PAST THE DUE DATE. I WAS TOLD THAT IF THE CLOSING DID NOT HAPPEN BY XX/XX/21 THEN ADDITIONAL FUNDS WOULD BE REQUIRED AGAIN AT CLOSING. THE CLOSING WAS DELYED BECAUSE AMERISAVE DID NOT HAVE THE PAPERWORK READY IN TIME NOW THE DEAL HAS FALLEN THROUGH BECAUSE I REFUSED TO PAY MORE MONEY FOR THIER MISTAKES. I HAVE ASKED FOR MY ORIGINAL {$500.00} TO BE RETURNED AND MY PHONE CALLS AND E-MAILS HAVE GONE UNANSWERED. I THOUGHT THIS ONLY FAIR SINCE THEY COST ME SEVERAL THOUSAND DOLLARS IN OTHER FUNDS DUE TO THIER DELAY IN THE FORM OF FUEL, LOGGING, RENTAL TRUCKS AND FURNITURE STORAGE. I WAS WILLING TO DROP IT IF MY {$500.00} WAS RETURNED. I MAY NOW HAVE TO SEEK LEGAL ACTION FOR ALL MONEY LOST. WHAT A HEADACHE.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30
Company: T.S. Holdings
State: MO
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested my original contract and wet ink signature therefore I want the item removed immediately and dropped to XXXX balance XX/XX/2023 by certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello! XX/XX/2023 I was billed to my credit card for XXXX for an annual subscription for {$99.00}. When signing up for an initial XXXX trial, there was no information provided nearing the end of the free trial that the subscription was in fact ending. This is against policies set forth by XXXX in their publication titled " Revised Standards for Subscription/Recurring Payments and Negative Option Billing Merchants '', which came into effect before this trial and billing occured. 

XXXX sent details to Citi card which very clearly did NOT show in their system that a notice was sent to the email listed. Furthermore they specifically excluded dates before XX/XX/2023. Based on many reviews, it is clear XXXX has made it deceptively challenging to cancel their services. Citicard did not honor this requested in a dispute, ignoring key missing information provided from XXXX, and have been unhelpful in resolving this. 

Careful analysis of various reputable sources demonstrates a clearly deceptive pattern of XXXX, most noted on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; please see attached. Additionally their XXXX XXXX XXXX XXXX further illuminates their deceptive practices XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please see attached.

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 2022-07-22
Company: EQUIFAX, INC.
State: LA
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 fair reporting act acct # XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 ( a ) states i have right to privacy 15 USC1681 section 604 ( a ) it also states a consumer reorting agency can not furnish a account without any written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 writing to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXXXXXX XXXX Unpaid Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXXXXXX XXXX XXXXXXXX. XXXX Unpaid Balance {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can assure you that I did not open these items or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.

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 2020-06-16
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The problem I have is I pay my house payment every month through my bank account and this isn't even Due till XX/XX/XXXX. This is false reporting and having people come to my house to take photos and here we have all the proper paperwork through the bank. I'm sick of this company always lying about people! 

PHH MORTGAGE XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Mortgage Account Loan Type : CONVENTIONAL REAL ESTATE MTG Date Updated : XX/XX/XXXX Payment Received : {$410.00} Last Payment Made : XX/XX/XXXX Pay Status : >Account 30 Days Past Due Date< Terms : {$410.00} per month, paid Monthly for 360 months >Maximum Delinquency of 30 days in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The addresses that are being listed do not belong to me, I have never lived at any of the addresses listed on my credit reports.

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 2023-11-30
Company: Upgrade, Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
the company closed an account that was up to date, they keep harassing me for payments. i do not have a payment plan with them. they are not negotiable. they forced payments through my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-30
Company: Early Warning Services, LLC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have been working with the Zell fraud department regarding some fraudulent activity on my account. I have never authorize Zelle to take any money from my account, but in working with the Zelle department to stop fraud on my account, they said, due to a quirk in their systems it accidentally XXXX money from my account repeatedly when it was not supposed to, and now they are claiming that they are not able to return the money for a bunch of reasons, and are keeping demanding that I follow their protocols which had yet to refund me any money I have lost over {$15000.00} and time at work over this XXXX

Company response to consumer: Closed with explanation