BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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

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 2023-09-11
Company: Conn's, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased a dryer from Conns XXXX XXXX in XXXX Texas on XX/XX/2023. I have had issues with them from the beginning starting with the installation. The installation was done improperly. I reach out to them to fix the problem but the never would send anyone out to correct the issue. On about XX/XX/XXXX I returned the dryer back to them because the would not fix the problem. XXXX months later they said that they have no record of me returning the dryer. 

They will not fix the problem and now have reported late payment on credit report which has damaged my credit rating. 

I need some help in resolving this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 Frost Bank received direct deposit from XXXX holders for my employer XXXX payroll handled by XXXX. 
I have called and went to the office in XXXX, with no assistance in receiving my paycheck direct deposit of {$410.00}. I had the same problem with my part time job XXXX. It took me three months before. I received my first paycheck. I have notified my employer and they have put a trace on the deposit. Frost states they honor all transactions, but they don't.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-02
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: Account status incorrect

Complaint:
My credit score dropped by more than 70 points because my mortgage with XXXX XXXX was paid in full. I contacted the mortgage company and they told me that they did not report the account as closed, rather they reported that the loan balance as being paid off. The mortgage company told me that the credit reporting agency reported my account as closed. I filed a complaint with XXXX  to address this issue and nothing was done. My credit score should not be negatively impacted because I paid off my mortgage. If the credit reporting system logic is driven based on the status of the account then this account should not be updated to close or if the requirement is to report it as closed then the scoring logic needs to be modified. I owned my home for 10 years and paid my mortgage on time and managed to pay it off early that should not count against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2020-06-03
Company: BSI Financial Holdings, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to BSI Financial on the XXXX of XXXX. XXXX XXXX turned my auto pay off and I now need to make my payment for XXXX in the amoun tof XXXX. My loan account with XXXX XXXX is XXXX. I can not get anyone on the line to make payment to BSI Financial. I have had auto pay on this since I got the loan and never had a late payment. 

The only time I was able to get them on the phone was Wednesday XX/XX/XXXX at XXXX XXXX. The lady was very rude and told me it would be 45 days until my account was setup ( which would put me 2 months behind ) and possibly foreclosed on. I was trying to setup payment early and was told I COULD NOT. 
I am also a XXXX XXXX XXXX veteran and asked that they remove taxes from my loan as I am no longer required to pay them in XXXX County Florida and offered to provide them the notice from XXXX County showing I am property tax exempt. They would not remove my taxes or take that information over the phone. 

I am unable to setup an online account. I am unable to make a payment. I am unable to get someone to call me back so I can find out to where to make a payment. They do not directly answer their phones. This is a VA loan not a standard mortgage and I will be seeking an attorney if they do not remove the property taxes from my monthly payments, and releases the escrow that I am due. I can't even make a payment and I have to submit this ahead of time as payment is considered late on the XXXX of XXXX at no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Atlanticus Services Corporation
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I got an email from XXXX about possible fraud on XX/XX/2023 and I promptly contacted XXXX and determined it was fraud and was not charged by me and by a company that I haven't heard of before then. The person with XXXX was helpful and I was told my credit card would be cancelled and a new card mailed to me along with a fraud letter. On XX/XX/2023 the unauthorized charges were added onto my balance which would also result in interest on the fraud charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
JPMCB CARD SERVICES XXXX - This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove. 

JPMCB CARD SERVICES XXXX - This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Aldous & Associates, PLLC
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX amount {$720.00} XXXX XXXX XXXX XXXX  sold my information to XXXX XX/XX/XXXX AMOUNT {$600.00} XXXX  Sold my information to XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold my information to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I had an issue with my Mortgage company XXXX XXXX XXXX which is now XXXX reporting a late payment in XX/XX/2017 which was inaccurate, I received a letter from the mortgage company saying that they sent in to all three bureaus to fix the derogatory remarks. Yet I see Transunion and XXXX is still reporting this under the XXXX. This is inaccurate.

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 2021-04-05
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I received a notification from XXXX  that US Bank had reported a 30 day late on my credit which negatively impacted my credit history. 

This issue started in XX/XX/XXXX when there was a fraudulent charge ( {$500.00} ) on my account that took US Bank more than 6 months to resolve. This charge put my account over the credit limit and increased my monthly payment to an incorrect amount. 

After contacting US Bank more than 6 times to resolve this issue I spoke with a supervisor on XX/XX/XXXX who told me that the case was closed and I would be receiving a final credit. 

US Bank then reported that my account was over the limit on the same day ( XX/XX/XXXX ) even though the investigation had been completed. 

After contacting US Bank yet again I was told that the credit had been applied and reflected in my account however my payment was not adjusted and that I should wait for the correct amount. 

However after attempting to log into my account a few days later to make a payment I received a message saying that my account was locked. I contacted US Bank for help with resetting my password and was told to change my phone number in order to receive the text verification code. 

After changing my phone number the following day I attempted to reset my password. However there was no longer an option to receive a verification code and instead I was asked to enter a PIN number which I never received. 

Once more I contacted US Bank about this issue. Customer service took over my screen and I physically showed them the message I would receive upon attempting to log into my account. 

I was not provided a solution and the following day I contacted US Bank about making a payment over the phone. Customer service then demanded that I pay over {$600.00} because the payment had still not been updated to the correct amount. 

US Bank refused to allow me to make the correct payment and then indicated that they would report a late payment to the major credit bureaus even though they were aware that this amount was not accurate. 

I still do not have access to my online account and I still can not make any payments. This is unacceptable behavior especially when US Bank has been having major issues with their website and app. 

Additionally this violates the Fair Credit Reporting Act. Therefore I have submitted this complaint for investigation.

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 2023-11-09
Company: CITIBANK, N.A.
State: IA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Someone has stolen my identify. I received an account statement to my address for a computer and accessories purchased in the amount of {$2800.00} on XX/XX/2023. The lender is Citibank and the retailer for the credit card is Best Buy. I did call Citibank and I they are opening up an investigation into the credit card that was opened in my name, without my consent and had a large purchase made. They have closed the account and put a future alert on their system to make sure I will be notified if anyone else tries to open up another credit card in my name. The direct phone to speak with Consumer Protection inside Citibank is XXXX. 

I then contacted all XXXX credit reporting bureaus and I have active disputes that they are looking into about these credit card and its purchase. I also alerted them to a hard inquiry with XXXX XXXX  as the lender and the retailer being XXXX XXXX XXXX XXXX. Someone did a hard inquiring but was denied the application being opened. The hard inquiry was completed on XX/XX/XXXX and the denial was put in place on XX/XX/XXXX. When speaking with a person at the Fraud Prevention Department with XXXX XXXX, they stated that everything on the application matched my exact information on the application. I was sent an application and needed to fill it out, but I never did complete the application, so it was denied because I did not complete the applicaiton. I do not remember ever contacting XXXX XXXX XXXX XXXX about trying to get a credit card or applying for a credit card. 

I am waiting on Citibank to do their investigation. XXXX also stated I will receive a letter confirming that my account was declined and that I will be alerted if anyone tries to inquire about opening up credit under my name with XXXX XXXX XXXX XXXX again. XXXX will send a letter within XXXX  days giving the result of the charge and credit card that is being disputed with Citibank. XXXX will conduct an investigation into the disputed charge. They also put a fraud alert on my account and froze my credit accounts. XXXX is also submitting a dispute for fraud and will send an email confirmation of the dispute with Citibank credit card as well. XXXX was the credit bureau that suggested I contact the ftc.gov, which led me to the CFPB, which is why I am completing a complaint here. 

I have not completed a police report, but plan to do that tomorrow.

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 2023-09-04
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I received this and it does not resolve the problem I am having on line. I will NOT call your automated system that never gets me to a live body! So how the XXXX do you expect for this to get resolved????? The attached response is more ridiculous than I can imagine. Apparently you just wanted to close the complaint so this was your response???? Really????? I'll say it again you XXXX  XXXX and don't k now how to resolve problems!!!! XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company keeps calling and asking me for personal information. They ask me my name, I give them my name then they want to know the last four of my social security number. I refuse then they want my date of birth, I refuse. I do not have to give anyone my date of birth nor my social security number. I ask them over and over " how can I help you? '' They will not tell me. My complaint is the company is asking for information I don't have to give. As a senior citizen, and with all the scams out there targeting seniors, I have been told many times to never give out my personal information. I refuse to run from any debt that I may or may not owe, This company has called me at least five or six times in the last two weeks. This is crazy and when I try to reason with them, they talk over me as if they can't hear me. Asking over and over for my personal information. When I say this is harassment they just keep asking the same questions over and over. I try not to answer but my sight is not good to see the caller ID. I just want them to tell me what they want and if they can not, Then send me a bill in the mail, But please tell them to stop calling because I will NEVER give out my personal information over the phone to someone I don't know. This is my only protection against fraud. Thank You

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 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My credit score dropped by more than 70 points because my mortgage with XXXX XXXX was paid in full. I contacted the mortgage company and they told me that they did not report the account as closed, rather they reported that the loan balance as being paid off. The mortgage company told me that the credit reporting agency reported my account as closed. I filed a complaint with Transunion to address this issue and nothing was done. My credit score should not be negatively impacted because I paid off my mortgage. If the credit reporting system logic is driven based on the status of the account then this account should not be updated to close or if the requirement is to report it as closed then the scoring logic needs to be modified. I owned my home for 10 years and paid my mortgage on time and managed to pay it off early that should not count against 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 2021-07-08
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
It is from XXXX XXXX, an online store that I have been a client for over five years. I was offered their credit card, I that was supposed to be free, and then I was told it could not be cancelled. I have been charged bogus fees because I never used it, or unlock it, so I have been charged fees for no service or purchase. I called them and I was told that to be able to cancel the card I had to pay XXXX dollars, which I did in XXXX, with the promise that I would never hear from them again. Now I was just sent another charge of XXXX dollars, because they say that when I cancelled the card I was 3 days due. For what? I was never informed that. I paid XXXX dollars in fees for no service, and no product. and now they are back to charge me another XXXX dollars? Total scam!!! Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax is reporting a company called XXXX  XXXX XXXX on my credit report. This account has been charged off for over five years but they continue to show late payment marks for every month which I thought was a major violation of the FCRA. If an account is charged off as a bad debt already they should not be reporting a monthly payment status but they are. They keep updating this old account. I want them to delete this account because they are in violation of the FCRA.

Company response to consumer: Closed with explanation