BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: DISCOVER BANK
State: MA
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 applied for the Discover Card to take advantage of a 15 month, 0 % balance transfer and low interest rate for purchases. My application was accepted. I was able to transfer balances from 3 other credit cards from 3 different companies. I started using the Discover card for purchases but started getting denied for transactions. Their fraud protection company reached out to me to inform me that I had to prove who I am, despite my personal bank account being associated to the card and automatic, monthly payments being made. I was told that I had to fill out a form that was sent to my personal email, fill it out and have it notarized. I had it notarized at the bank that was associate with the account and payments. I was informed that they called twice and the notary wasn't available so the form would not be accepted. They provided an option to use a proprietary application of theirs, were I could take photos of my drivers license. I used this several times and although the photos were clear, they would not accept them and told me I only had 2 attempts to use this method. They offered me the option to get the form notarized again, but I was traveling for business and could not get this completed withing the 4 days they required. I was then informed that my account would be closed. I argued the fact that they accepted my application, my bank accounts and other credit card accounts were tied to the account and that I used their methods to prove who I am and those were rejected by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
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:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: NV
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 XXXX Account # XXXX, has violated my rights. 

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

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

Company 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 2020-04-14
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I requested payment assistance in form of fee waiver via a secure message on Barclaycardus.com, message sent several days ago ... Payment assistance is needed due to pandemic, a fee waiver was requested and no reply to date. I also called Barclaycard several times, was on hold for well over two hours each time and no rep picked up. Calls were made to again request fee waiver as well as payment assistance in form of extension or deferral. The fee in question will remain unpaid as I am disputing it, account will be paid off less the amount. Being such a small amount, {$15.00}, if any collection agency even accepts the account, I doubt they will attempt to collect after explained the amount is questionable due to pandemic and other reasons. Prior complaints were made via CFPB portal, a XXXX marks them as duplicate in order to avoid refunding fee and or offering assistance. The fee is for NSF, a payment returned on XX/XX/XXXX, unbeknown to me, Barclay resubmits payments, if I had known this I would not have made a replacement payment on XXXX which did in fact clear on XX/XX/XXXX as attached screen shot shows..

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 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I attempted to obtain a " free '' credit report from TransUnion 's site. Multiple orange-colored buttons are present on the site. I clicked XXXX that - unbeknownst to me - brought me to https : XXXX? XXXX & XXXX % XXXXXXXX XXXX XXXX After filling in the information and providing a credit card number I carefully read the legend on the bottom of the screen looking for a dollar amount - not finding any fee or dollar amount charge I clicked through - only to be signed up for a {$24.00} / month credit monitoring service. I called and requested a refund, which they claim they are " processing '' I apparently clicked the wrong orange button. Highly misleading website. No disclosure of the charge that was incurred.

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 2020-02-03
Company: Experian Information Solutions Inc.
State: OH
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:
Experian will not remove the fraud alert on my credit report. Multiple attempt have been made and they still will not acknowledge my form to have it permanently 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 2023-11-02
Company: EQUIFAX, INC.
State: TN
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 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
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 have been the victim of identity theft the following inquiries were not authorized by me : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXK XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX C Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS SUPERIOR XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete From 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 non-monetary relief
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: IL
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  has violated my rights. 

15 USC1681 section 602 states I have the right to privacy.

It also states that a consumer reporting agency can not furnish and account without my permission.

15 USC 1668B : a creditor payment treat a late payment under an open end consumer credit profile as late for any purpose. 

XXXX XXXX XXXX has violated my consumer rights by adding late payments on XX/XX/2022 and 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 explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is the current servicer for my federal student loans. These federal student loans have not been actively collected on in over a year and are over XXXX XXXX XXXX. On or about early XX/XX/2023, I received a 1099-C, canceling the debt. Thus XXXX should not be continue to report these student loans on my credit report and should update my account and credit report immediately to reflect the debt being canceled.

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 2023-07-14
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2023 US BANK agreed to refund a {$36.00} overdraft fee after stating that I should not incur the fee because I have the ability to bring the account current before XXXX close of day and the fee will reverse back into my acct the same night. I followed the instructions and immediately brought the account current but never received the fee reversal. Previous to this, another cust serv agent stated I would not incur an overdraft fee because the overdraft charge was under {$50.00}. At this point I've been given two very different reasons why I should not have incurred an overdraft fee. To date I have not received the reversal of fee and have now been compounded with another {$36.00} fee as another item was returned because I did not receive the fee reversal as promised. I am now out of {$72.00} dollars because of being misinformed and misled and misdirected by US BANK agents. US BANK now says that I was misinformed on 3 occasions and will not be receiving {$36.00} overdraft refund because I have a BUSINESS account and those courtesies I was told ONLY APPLY TO PERSONAL ACCOUNTS. On 3 separate occasions from 3 totally separate agents I was misinformed. Seems to me that US BANK has a problem with their training and reps. US BANK told me during my final conversation that this is not their responsibility and that agents can tell customers anything they want and it doesn't hold them accountable for what they've conveyed. US BANK said it's all my fault for not managing my account. I have spoken with US Bank several times to this date to no avail with the final cust serv agent ensuring me she would have that fee back into my account and apologized for the consistent chain of misinformation I had received from previous agents. To date I am owed {$72.00} in fees. Had US BANK provided accurate information on the first call, we would not be in this situation. A company that trains their employees to tell customers ANYTHING and not worry about consequence explains why I received misinformation 3 times.

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 2019-10-12
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In the month of XX/XX/2019 my mortgage servicer contacted me by mail with a statement pro-warning that my HOI policy has expired and that I will need to find coverage soon or else they will provide coverage to me. I immediately called to figure out what exactly is going on. My HOI has never expired its always been paid via escrow acct from this mortgage servicer Dovenmuele. I also confirmed with my HOI through XXXX and they confirmed policy is still active. I submitted proper paper, work ( dec. Page ). as I was instructed to do so by Mtg servicer. from that step everything were suppose to have gotten resolved. Well within 30 days I get the same letter warning me again of expired HOI. I call again explaining, I sent another declaration page over. I even got XXXX XXXX involved since that's the lender who originated my loan and still owns it. I was told by a rep at XXXX XXXX that she would escalate this issue to upper management that was back in XX/XX/2019. Never received a call back to update me or nothing. Effective XXXX XXXX, Dovenmuele drafted my escrow acct a sum of {$3700.00} as an HOI disbursement, in which they should not have. Now I'm angry and mortified!!!! Due to the simple fact this matter should have all been resolved. I sent proper documents, Just to confirm with CFPB Dovenmuele has already drafted my acct for my HOI premium for this year on XXXX XXXX the same as they always do every year in that month, I have never encountered a issue with my HOI. NOW my escrow acct is extremely short of funds to cover my property tax bill that's due on XXXX XXXX. I am asking that the CFPB now gets involved in this matter before this turns into a big legal case with my attorney. I am hoping to get this matter resolved by two weeks or less as my property tax bill is nearing. I feel taken advantage of, I am hurt and angered of such carelessness, the level of incompliance and lack of structure and customer service. I can not tolerate this mortgage company servicing my acct any longer as I am afraid something illegitimate may take place again as this is only of a few complaints and issues I've experienced with this servicer. I also attached proof of paid HOI for XX/XX/2019 and my Mortgage acct activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 just received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation

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 2021-05-25
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Last year, around XXXX, my monthly pay was {$3600.00} I signed a paper to refinance and I agree all information about the new refinance and new payment, being {$2800.00}, but later they called me to inform me that I couldn't refinance because I was in the COVID program for five months. They also told me that when I had to start paying my mortgage for three straight months, they were going to be able to refinance it. However, they lied to me about this. No one calls me or writes me back about this situation. I was reading an article about California 's laws that they could do me a loan modification, but they don't respond to the emails I keep sending them. I was thinking about doing a complain because I don't have enough money saved to pay the {$3600.00}, now that all of my salary is for the mortgage. The company is Freedom Mortgage.

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 2023-07-18
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: Credit inquiries on your report that you don't recognize

Complaint:
A company requested my credit report on XX/XX/2023 when they should have not. They are suppose to call me to confirm with my Phone number. I did not apply For anything from this company to even request this. I am not sure if this is fraud. I will also report this to the ftc. The three credit bureaus should not have authorized anyone to pull my credit. Usually I get a phone call. I notice my old address from 5 years ago showing up. I have try to get this removed. has not Removed inquires that were on my credit report I am not sure were this is from.

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