BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing some fraudulent accounts on my report for over a year, have sent in all documents that was requested from me. Nothing has been removed, I have been told multiple times that my police report and other documents were being attached to the dispute. I found out that the documents are not being attached to the disputes and was told to get a new updated police report, which doesnt make sense because my police report is very valid and should have been attached to every dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion is reporting late payments from XXXX XXXX on my consumer report when I was never late! I have disputed this already with Transunion but they just will not remove the late payments. 
I want the account to remain on my consumer report because I have made 3 years of payments on time and the account is an older account! I just want the late payments 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 explanation
Consumer complaint received 2023-01-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a USAA Credit card that was opened XX/XX/XXXX which I have never used. I have forgotten about the card and am surprised it was never closed due to inactivity. Regardless, I received a reissued plastic on XX/XX/XXXX and decided to call to close the account. On XX/XX/XXXX, I called into the USAA call center to close my account. I verified all my information and asked the rep to close the account. She obliged, but got to a screen in her system that required her to update my " occupational information ''. I didn't think this was necessary and asked to simply close the account. She put me on a long hold and came back to say that she couldn't move past the " occupational information screen '' to close my account. I asked to speak to a manager and she said she could not transfer me because the computer was locked on the occupational information screen and couldn't get to the transfer screen. 
I have never experienced such difficulty closing a credit card account and would simply like to close this account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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 belongs to someone else

Complaint:
XXXX is reporting fraudulent Credit inquiries on my credit. 

I am writing to request the removal of fraudulent credit inquiries on my transunion report. My latest credit report shows six inquiries that I did not authorize. I am writing to dispute the inquiries and ask for their removal from my credit report immediately. Please have these fraudulent inquiries removed from my report within 30 days as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Netspend Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I've notified netspens on multiple occasions since XX/XX/2022 about fraudelent transactions on my account totaling {$14000.00}. I could not have made the purchases or activated the card as I was incarcerated by mo. XXXX of corrections. Netspend has ignored all requests.

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 2023-11-17
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a validation of debt letter to this company due to checking my credit report and noticing the company is reporting collection accounts I knew nothing about. I sent a debt validation letter on XX/XX/23 and this company still refuses to validate this alleged debt.

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 2023-06-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello My Credit Score has suddenly dropped after I tried to buy a XXXX XXXX RV so myself and my family can move to XXXX in XXXX TX. 

On Wednesday XXXX XXXX XXXX in XXXX PA told me I was good to get {$50000.00} XXXX credit after I supplied them all my information. 48 hours later I am only eligible for {$10000.00}. 

I had called them to make an offer on the linked RV for {$45000.00} and I told them the price on this product was hiked up before I visited. I am very certain of this but unfortunately I had not made a screenshot of it. 

These RVs usually go for low XXXX. So now my offer cant even stand because my credit score plunged. How did this happen? 

Was I hacked at XXXX XXXX in XXXX, XXXX  XXXX or XXXX  in XXXX, XXXX  XXXX that I visited on Wednesday XXXX? 

XXXX https : XXXX A month earlier I got a Hard Inquiry on my credit report from XXXX XXXX on XXXX and I called them to find out if this was from your company seeking info on my XXXX XXXX and a list of exactly what information was requested and what actions were taken. The reason is my score has dropped although I have made every effort to raise it to buy : 2. Home or land or RV to move near XXXX in XXXX TX. 

XXXX XXXX has not yet replied so I am asking you if Consumer Finance can brief me on what information was accessed during the Hard Inquiry and if the drop or freeze of my credit potential since could reflect possibly Financial Sanctions enacted against me? 

XXXX https : XXXX The reason why I suspect Financial Sanctions is because I have observed tactics blocking me from have an online presence, and most recently in XXXX and XX/XX/2023 I was charged XXXX for my XXXX subscriptions. Then the subscriptions were removed so I paid but cant watch XXXX live nor was I refunded. 

Thanks for your help. 

XXXX XXXX XXXX XXXX. 
--

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts, inquiries and Incorrect Addresses, that are reporting on my Credit Reports : Accounts ; XXXX XXXX XXXX Balance {$1700.00} ; XXXX XXXXX Date Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX XXXX XXXX XXXXX Date Opened XXXX. XXXX, XXXX Balance {$140.00} ; XXXX  XXXX Balance {$0.00} ; Inquiries : XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-06-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Complaint is specific to monthly service fee on my Chase Bank checking account for $ XXXX. 

I reviewed statements as far back as XX/XX/2016 and have received a {$25.00} fee each month. Doing the math, XXXX XXXX XXXX {$25.00} = {$2100.00} that Chase has just been taking from me with no notification. 

I have never received anything in writing with an explanation of why I am receiving this fee. I have never received an email or an alert on my chase app. 

When I called to discuss I was advised they would refund one month and would log the formal complaint. I inquired if I would receive any acknowledgement of the complaint or resolution and was advised that I would not. This seemed insufficient to me, which is why I am filing this CFPB complaint

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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:
This was not sent in error. I am a consumer by law and my information was misused and now I have some false, not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 2021-02-24
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Around XX/XX/2020 this Title Company FIRST AMERICAN MORTGAGE SOLUTIONS Assisted to record a Fraudulent Document to a third party company affecting the Chain of Title of my house located at XXXX XXXX XXXX XXXX CA XXXX ( Attach the instrument # XXXX herein ). 
I state since there existed 2 Robo-signatures documents previously recorded in the Chain of Title of the property describe above, I already reported to the Local Authorities as well to the CFPB inquire number # XXXX against the XXXX XXXX XXXX XXXX Then for after the one recorded by FIRST AMERICAN MORTGAGE SOLUTIONS it makes the document recorded with instrument # XXXX Fraudulent and Void itself, the title company 's client XXXX XXXX XXXX had personal knowledge about it, They Ignored and rejected the information given. ( Attached XX/XX/2020 Certified letter Please see Pages 32-33 as reference, at that time The Title Company 's Client didn't include the Title Company name ). 
So Thru the CFPB I would like to have this title company to remove this document from the county records and send me an Apology Letter.

I want to say every company or institution who are participating in the theft of my property will be liable for economical and medical damages I may incur.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I spoke to XXXX on XX/XX/2021 with regards to an open misapplied payment by SPS back in XX/XX/2021. I have called numerous times to and spoken to both SPS representatives along with Management to resolve this misapplication of my payment every time both the representative on the phone and the management assured my that they saw the misapplication of the payment and not to worry that it would be resolved shortly some representative would say within 5 days some managers would say 45 days. I waited patiently relying on SPS to rectify this situation. I was told that there would be no 30 day late on my mortgage and my credit report would not be affected. It is now XXXX XXXX at XXXX pst and I still have no resolution. I had no date that anyone can give me with a date certain on the resolution of my issue. I look forward to having this addressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. 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 non-monetary relief
Consumer complaint received 2023-01-06
Company: Avant Holding Company, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Applied for the credit card in early XXXX and did not receive the card for several weeks. The card was reissued and never received. I called for another replacement and was told it could not be expedited or sent with tracking. A XXXX card was issued on XX/XX/XXXX. As of XX/XX/XXXX, Avant can not confirm if a card has been issued or mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: PA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2023-01-06
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Someone called said they were with credit card services for XXXX XXXX, XXXX, XXXX, and Discover card. They new my balance, last payment and future payment date on a Discover and XXXX I own presently. They said they were going to lower my interest rate on those cards and any others that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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: Account status incorrect

Complaint:
Mortgage company is inaccurately reporting late payments during forbearance/modification process My mortgage was sold to a different company while I was on a covid forbearance plan. The new company immediately reported the loan as over 180 days past due. They admitted it was a mistake and said they did it to a bunch of clients by accident. However, its not been fixed. In fact it was reported a second time and has taken my score from an XXXX to a XXXX. I was planning to buy my daughter a car for her bday in 2 weeks and now I cant. I have disputed it but it is still processing. 
Timeline : First notification of negative reporting received XXXX XXXX. They told me it would be fixed and that it had happened to a bunch of their customers. 
XX/XX/XXXX I called back because it was still not fixed. They said it had been fixed on the XXXX ( the day before ) but then said they send the batches of corrections on fridays, so it would be updated by XX/XX/XXXX. 
On XX/XX/XXXX, I received a notification that it was reported late again and my score dropped even lower and it still remains showing late on all 3 credit reports. 
I called again today, XX/XX/XXXX, and spoke to XXXX XXXX, he again said they fixed it on the XXXX but didnt know why it was reported late still. He tried to help but didnt really have any answers. He escalated the issue and requested an email be sent to me stating it was a reporting error but that the email could take 30 days to receive. 
They have destroyed my credit so badly that I cant do anything. I had excellent credit and no late payments before. It has also done the same thing to my husbands credit since this is a joint mortgage account. 
I asked this question on XXXX and an attorney said it would be a good class action lawsuit. I just want my credit fixed they have literally caused me to put a hold on all my financial plans. The company name is Community Loan Servicing, LLC

Company response to consumer: Closed with explanation