BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: DE
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:
On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-01-20
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX. XXXX 2022, XXXX bought me a prepaid gift card from XXXX XXXXXXXX XXXX at XXXX for {$500.00}. I link my XXXX to buy what I need on a site, I shop a lot on this site, I know their customer service, they are loyal I am a regular customer, but on XX/XX/2022 this card Reported as unauthorized by XXXX. I am puzzled. I have the card and the card receipt in my hand. Why is it unauthorized? They canceled my order, then I called the back of the card and provided some documents as they requested, sent a fax to XXXX, including a driver 's license, the front and back of the card and the card receipt and my home address. The card is registered to a warehouse address, I asked them to mail the new replacement card to my home address or my company business address, then I called them again because it's been a month and I haven't heard anything, they just replied that I'm still investigating, let I'm waiting, I didn't even get in the case number, why they don't verify and believe it If someone reports unauthorized, my card and receipt are kept but it doesn't protect my card balance, I read a lot about this card online Complaints, they all acted the same way, embezzled our money and no one replied to 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 2021-09-17
Company: CIBC BANCORP USA INC.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
i have had major issues with CBIC BANK CORP i have dismissed valid concerns, for example, i made a cash deposit of XXXX $ at the atm inside the bank on XXXX and I couldn't get a XXXX home and was stranded I was unaware that my money wouldn't be immediately available because i went into the bank and made the cash deposit at their atm i believed my money will be available immediately i found out that wasn't true I called THE BANK and they explained the policy i knew nothing about i went inside the bank and made A CASH DEPOSIT at their atm inside their headquarters i was completely shocked and confused only now after my situation cash deposit are NOW available immediately I won the XXXX BUSINESS RESILIENCY grant and was supposed to receive XXXX when they requested my business bank statements I was told by my bank that my account did not qualify for ONLINE BANKING i have a TIER 1 account I had no idea what that meant and was only able to get XXXX of the grant due to my inability to produce my business bank statements again I had no knowledge of this until I the organization requested the documents from CBIC to validate my company. I found out I was intentionally steered into taking a account with less favorable terms because of my race and XXXX I have been banking with CBIC since 2017 not one incident of overdrafts fraud or any issues with my accounts on XXXX I contacted the bank about the XXXX XXXX overcharging me and holding my card for a security deposit XXXX I explained documented the situation with my banker i received a call from the hotel and contacted the bank about the issues with my account i forwarded the emails to her and the XXXX issued me an apology in writing taking full responsibility for the charges and hold on my account i again forwarded the letter to Bank Yesterday i went into the bank to deposit money and learned i have a overdraft fee of XXXX!!!!!!!!! for the issue with the XXXX, i was just done CBIC and filed a complaint to be sure they take accountability for their discrimination toward XXXX XXXX business owners and my account was suddenly terminated and closed without any explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: FL
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'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 


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 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 2022-12-20
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX, I received a notice that the credit limit on my Capital One Spark credit card was being decreased from {$22000.00} to {$10000.00} because I wasn't spending 50 % of my credit limit over the last 12-24 months. I contacted the credit card company on XX/XX/XXXX and was told nothing could change. I've had this card since XXXX and I've never spent 50 % of my credit limit. I've never run a balance month-to-month in the entire time I've had this card. I use this card predominantly for business travel and business purchases and actually the spending trends in the last 12-24 months don't vary significantly from extended previous periods in my business when travel was lower ( and at those points nothing was changed on credit limits ). When I travel multinationally, I like to have a higher credit limit because at those times airfare expenses combined with temp credit holds at hotels can go into the five figure range. I am a XXXX XXXX with a XXXX XXXX XXXX ( so my annual revenues are reported through the TX SOS site and I have a XXXX XXXX XXXX number -- in short revenue trends are available for Capital One to see ). Last year was one of my strongest years and my revenues this year are on par with last year in spite of COVID. I have a credit score above 800 -- usually between 820-835. I'm wealthier than when the original credit limit was assigned ( by about 3X net worth ). There have been no late payments on any bill I owe. My income is high enough that I didn't qualify for the CARES Act stimulus check. Basically, my financial risk as a customer has steadily dropped over the time I've had this card because of consistent fiscally responsible behavior and a resilient business model. No other credit cards have dropped my limit. The one thing that has changed over the last 12-24 months is that I entered my XXXXs. In fact, I turned XXXX just about 25 months ago. So, I honestly believe this drop in credit limit has nothing to do with my spending patterns, and a lot to do with the fact that someone has decided that business owners in their XXXX don't deserve the same access to credit that younger business owners do. Supposedly Capital One is reviewing all spending patterns right now. It would be interesting to see if folks over 60 are disproportionally seeing their credit limits dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Do to my understanding I can't get approved credit do unlawful activity on my credit report apply for credit card to rebuild my account history I requested to be approved

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 2023-06-29
Company: EQUIFAX, INC.
State: MS
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My refinance loan XXXX XXXX XXXX closed on XX/XX/XXXX. As of today, XXXX, XXXX XXXX my loan has not funded. The origination process was mishandled numerous time by the company. I started my application process in XXXX of XXXX and had been approved and locked a rate XXXX. The loan took until XX/XX/XXXX to close and then the company did not disburse the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXX I reached out and informed them about these accounts that are not my accounts and to remove them from my record but they have not removed it. I did not open these accounts and I have no knowledge of them.

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 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion is reporting false or fraudulent information on my credit report. There is an inquiry on my report from XXXX XXXX which occurred on XXXX. I have no knowledge of this company nor have I authorized or signed any contracts. I have sent dispute letters to Transunion, and results have came back in the decision not to remove an inquiry with no proof provided.

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 2021-03-31
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I received a letter by mail from XXXX XXXX XXXX stating that my payment for XX/XX/2019 had not been received. I sent an email to XXXX by way of the Messaging center of their website asking why the payment shows as being received, but not posted. No reply was sent to me. On XX/XX/XXXX I called XXXX customer service line and spoke to someone about the payment and why it wasnt posted. It appears that the payment I sent in XXXX of 2019 at the new adjusted total of {$2300.00} was received on time. The issue happened when the payment I scheduled for XXXX though my online bill pay sent the previous amount of {$2200.00}. A difference of {$110.00} due to escrow adjustments. 

After several conversations with the customer service department I understand that XXXX XXXX policy is to post all funds that are short of the total amount in an unapplied funds account. They did not notify me of this process. The unfortunate result of this is that I did not know that the payment was short, or even that the payment was not posted. I had XXXX indication of the issue. It was stated to me that XXXX had tried to call me multiple times to notify me of the late payment as early as XX/XX/XXXX, however that isn't true. I never spoke to anyone or had a message from them. XXXX has my correct phone number on file and routinely calls this phone number to ask me about refinancing. I was told by the Customer Service supervisor that they were not allowed to call my number, but that does not align with the fact that XXXX has called me dozens of times for refinancing offers including the call I received on XX/XX/2019 about refinancing. The unfortunate result of all of this is that my payment was not posted and paid until XX/XX/XXXX. The customer service team waived all the fees after reviewing my nearly XXXX history of on time payments and understanding the results of all of the unfortunate delays. 

My credit score is XXXX. Payments are never sent late to anyone ever. The posting of a late payment by Caliber Home Loans has left a significant impact on my clean credit. It was a series of unfortunate events that pushed my payments just past the XXXX period. In speaking to the Customer Service team, and the Supervisor, they told me that my only option was to send a letter to the Caliber Home Loans Credit Department by mail and ask for your help and review of the issue. I asked for their help in erasing this late payment. Review my history with the Caliber Home Loans, the calls and immediate action I took when I received the notice. 

The send me a letter on XX/XX/2019 and refused to make any changes. This has left a significant blemish on my credit score that I would like to have removed. It is impacting my ability to get the very best rate on a refinance. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: CA
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, XXXX, AND XXXX 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. 




UNAUTHORIZED INQUIRIES : Experian 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 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 2022-12-20
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: SC
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:
Im a victim of XXXX multi-state sub prime. Need all info removed And deleted from credit report effective immediately. Contacted attorney general about this situation as well. Plus its showing on my credit report 2 times for unknown reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Im a victim of XXXX  multi-state sub prime. Need all info removed And deleted from credit report effective immediately. Contacted attorney general about this situation as well. Plus its showing on my credit report 2 times for unknown reason.

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