BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
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: Account information incorrect

Complaint:
XXXX XXXX XXXX account XXXX is inaccurately reporting information to the credit bureaus. A letter was sent to the 3 major credit bureaus requesting that that verify the tradeline XXXX XXXX XXXX was reporting. The investigation came back as accurate. I have no idea how this is possible. 

1st. The high balance is different on every report. XXXX  is reporting a high balance of {$460.00}, while XXXX & Experian isnt reporting a high balance at all. How can the tradeline be valid if its not reporting the same with every bureau. 

2. The date of last activity is different on every report. XXXX  has a XX/XX/XXXX date of last activity. Experian has a XX/XX/XXXX date of last activity & XXXX  has a XX/XX/XXXX date of last activity. Again, how can XXXX be reporting accurately if its not reporting the same with all 3 bureaus.

3. The payment history is different with every bureau. Experian shows that the account was charged off in XX/XX/XXXX but then shows payments from XXXX but then shows charge offs XX/XX/XXXX & XX/XX/XXXX. How is this even possible?? If the account charged off in XX/XX/XXXX how are payments able to be made in XX/XX/XXXX all the way to XXXX of XXXX? Makes no sense. XXXX  doesnt even have a charge off reporting and XXXX  doesnt have any payments reporting at all. 

Theres no way XXXX XXXX XXXX can truly say they are we reporting accurately when EVERYTHING is different on each credit bureaus. Im demanding that the entire tradeline be deleted!

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 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This not a duplicate and I have never used this site before to make a complaint!! I also am submitting this complaint on my OWN behalf and not any 3rd party because I know my rights I have been a XXXX  for over XXXXThe fraudulent accounts. inquiries, and addresses found within my consumer report are not related to any transactions that I made. I am alleging that a person or company WITHOUT my AUTHORIZATION used my personal information to apply for goods, services, or money and was successful in creating some accounts. Im elderly XXXX XXXX  my wallet stolen I think from some XXXX  as a result I am victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. I swear under penalty and perjury it is a result of identity theft. 
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 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

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 2018-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2018 I went to the Bank of America ( BOA ) website to check my credit card and saw an advertisement that said BOA was opening branches in XXXX ( my city ) and offering a {$300.00} bonus after meeting the terms of the account. I opened my account and captured a PDF of the exact offer I used just in case. On XX/XX/XXXX, I contacted their customer support team ( via XXXX ) to confirm the offer since I didn't get anything in writing. The customer support asked me to email documentation, which I did that same day ( XX/XX/XXXX ) - this is Case # XXXX. A few days later, he called back and confirmed the {$300.00} bonus. A few weeks later I met the terms of the bonus ( including changing my direct deposit for over {$4000.00} ). On XX/XX/2018, I receive a letter in the mail saying my bonus is only for {$100.00}. I contact the customer support team again and receive a call on XX/XX/2018 saying that I was not targeted for the {$300.00} bonus. I explain that I am targeted and I still see the offer when I go to login to the website, I also tell them about the previous case where I was told this was resolved and submitted the offer. They will not honor the original {$300.00} bonus offer. 

Also, the offer is viewable here : XXXX XXXX XXXXXXXX XXXXXXXX I'm attaching a PDF version of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-05-06
Company: BSI Financial Holdings, Inc.
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get this loan paid off for weeks through XXXX XXXX and now loan was sold to BSI who has no record of this loan. I am refinancing and running out of time. I need this loan paid off and lien on title released.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: TN
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:
This not a duplicate and I have never used this site before to make a complaint!! I also am submitting this complaint on my OWN behalf and not any 3rd party because I know my rights I have been a XXXX  for over XXXX.The fraudulent accounts. inquiries, and addresses found within my consumer report are not related to any transactions that I made. I am alleging that a person or company WITHOUT my AUTHORIZATION used my personal information to apply for goods, services, or money and was successful in creating some accounts. Im elderly XXXX XXXXr my wallet stolen I think from some students as a result I am victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. I swear under penalty and perjury it is a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX FRAUDULENT ADDRESSES REMOVE ALL ADDRESSES EXCEPT CURRENT ADDRESS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account with BMO Harris bank 3 years ago that was advertised as being an online account with no requirement for physical presence in a state where a branch is located. The bank has taken many thousands of dollars in deposits from me via XXXX. I recently requested an ATM card for the account and BMO Harris subsequently revoked all access to the account by me- I am unable to check balances, deposit, withdraw, or transfer funds. When I called the bank I was told that this was done because I requested an ATM card, and that to restore my access I will need to submit a notarized affidavit to them. This process, the costs, and the triggers for it had never been disclosed to me before this event. The bank is now refusing to answer any of my questions until the affidavit is received.

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 2023-02-15
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Comenity bank charged me interest after I paid my statement amount in full. Payment was made and received prior to the payment due date. I spoke to the customer service call center on XX/XX/XXXX, was told they could not remove the charge because I had emailed the card company through the website. I was then told if I did not pay the {$2.00}, I would be charged a late fee. I called again XX/XX/XXXX and was told my account had not been paid in full and I owed the interest and would be assessed a late charge. I told the girl I was not paying a late charge and wanted the account closed. she then wanted to charge a fee to process the payment by phone. I refused and said I would pay online and to close the account as I was not paying them another cent. This bank is the only one Ive ever dealt with that charges interest after you have paid the statement balance due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-20
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
With the Current COVID ECONOMIC COLLAPSE, i called my mortgage holder, US BANK, they informed me they can place my loan in forbearance, however, it will ruin my credit and all payments will be due in 90 days, in full, no partial payments or my loan will be foreclosed on. I'm XXXX XXXX, and am not allowed to work since we are on lockdown.

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 2020-03-20
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The final post discharge monitoring form for year 3 of the monitoring period was emailed to XXXX on XX/XX/2020. Please provide confirmation that this no income information was received and processed on the form. Also, confirmation that I have now completed the 3 year post discharge monitoring period. 

Proof the completed form is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Experian is reporting a debt under my credit report and has refused to remove it, they have removed several collections to my name but have been continuing to remove this one and have been yet to provide evidence that this debt belongs to me, and NONE of the reported information is accurate. They have shown no contracts, loans, supporting documents, signatures or any other links or evidence to show this debt belongs to 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 2023-10-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  XXXX XXXX # XXXX - IDENTITY THEFT XXXX XXXXXXXX # XXXX - IDENTITY THEFT 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 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 of 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 explanation
Consumer complaint received 2018-06-01
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had XXXX XXXX a while back ; suddenly I was slammed with this new and AWFUL mortgage company, SLS ( Specialized Loan Servicing ) and they are the absolute WORST.

I have NEVER been able to reach them when I called ; NO ONE EVER PICKS UP! 

They are the most incompetent ineffectual group of worthless hacks I've ever had the misfortune of being subjected to. 

After multiple frustrating situations with SLS, I decided to look on line and read some reviewsAnd they are ALL NEGATIVE! Not one single legitimate positive review!

I have included THREE website links for you to see for yourself ( XXXX, XXXX  and Consumer Affairs ). 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX I am looking for the resolution action of releasing me from this miserable company, and be allowed to choose my own loan servicer, preferably my own bank, XXXX XXXX. 

Then, SLS should be SUED for making so many people 's life so miserable! 

Thank you! 

XXXX XXXX XXXX XXXX XXXX. XXXX, OH 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 2020-02-05
Company: SUNTRUST BANKS, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is a complaint against Truist/Suntrust Bank. 

I opened an account onXX/XX/XXXX it was closed on XX/XX/2020 without explanation. 

The initial letter indicated that I had initiated the closure of my own volition. This was obviously not true. I called immediately that morning and essentially got an unclear answer from a rep named XXXX. First I was told that this was due to me not funding the account, however at this point the account had been only open a week. Then when I confronted the rep with the letter she stated, she could not see it. She then contacted the back office who said my account was closed due to their terms and conditions. When asked for which specific terms none could be cited. I again asked about the letter and how me not asking to close the account could be a case of fraud. The bank refused to even investigate At this point I became suspicious. The account had been opened without issue ( no XXXX XXXX or XXXX  denial as such ) and why would there be I have never bounced a check or been delinquent on anything in my entire life. I had one letter stating I had initiated the closure and another stating I violated terms and conditions of the bank without citing what terms I had violated. This was exceptionally strange since again the account had been open a week and not funded. 

I called back after receiving the letter, and was transferred to Client Solutions  and spoke to a woman named XXXX. I brought up concerns that this closure could have been discriminatory in a nature ( given that there was no activity in the account itself and the conflicting reasons now for closure ), however she could not say with certainty this was not the case. I still have no explanation as to why the account was closed. I told her that I was going to file a CFPB complaint and she encouraged me to do so. 

I do believe Suntrust has a legal obligation to accurately report a reason for the closure. I have 2 reasons for the closure at this time - neither of which make sense.

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 2020-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2019 I my Capitol one MasterCard got a fee of {$59.00}. I did not see a bill in my email for it and as I have always had XXXX balance on this card I havent been watching the account. In XXXX I a late fee was added new bill totaling {$89.00}, still never saw a bill. In XXXX another late fee was applied total bill is now {$120.00}. This bill I saw in my email. I payed it as soon as I saw it. I called but just get the run around. Not worried about the late fees after all it is a late payment but my credit took a hard hit. Last I looked while refinancing our home it was down to XXXX it used to be around XXXX! I have never before had a late payment seems pretty extreme for missing a payment on a XXXX  balance card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
creditor : resurgent captial services XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, sc XXXX ( XXXX ) on XX/XX/2019 we had sent a notice of dispute of debt and request for debt validation to the creditor listed above, which is listed on our credit report. We have not heard anything back, and it has been over 30 days. We do not know what this debt is, and any attempt to try and figure it out has been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TO WHOM IT MAY CONCERN, I pull up my credit report today and I have several account that is reporting incorrectly. 
I have XXXXXXXX XXXX ACCOUNT # XXXX reporting date last payment XX/XX/XXXX and Experian XX/XX/XXXX and XXXX XX/XX/XXXXXXXX 

Per the credit reporting act the account should be accurate across all the bureaus so which one of you guys reporting the correct dates? I know all of you can't be right because the reports are not accurate across the bureaus. 

Another error on this account # XXXX reporting on XXXX as a DEROGATORY, XXXX as PAID, and Experian as PAID. So, again which one of you guys is reporting the correct report? All of you guys can not be correct because the report is not accurate across the bureaus. 

I need this account to be REMOVED IMMEDIATELY because it is not ACCURATE.

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