BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2018, I received a letter from BOA indicating my {$25000.00} credit line was being reduced to {$14000.00}. 

Because I understand the ramifications of that action upon my FICO score relative to the current balance on the account ( {$13000.00} ), it would show that I was Maxed out on utilization of credit : a negative impact to me, whether BOA states in their letter they have nothing to do with FICO, their actions do! 

In our attempt to pay down our balances, we moved ours to BOA because it offered a lower interest rate, and for two years have successfully been lowering our debt accumulated with XXXX children. 

I was making some real progress, picking up odd jobs and then boom, my husband, unknown to me, made 2 mistakes : missing a payment, and then posting the payment to a closed BOA account we had. As a result of these delinquencies now - even though he made a payment ( technically ) after missing that one - they made this decision to lower my limit. That changed my utilization percent of debt from a 50 % to a 96 % use rate - which impacts me negatively on the credit report. When I called to explain all that I found out : the payment made to the wrong account - that resultant effect to them showing 2 delinquencies which really was not - husband just posted incorrectly - and subsequent reduction of limit - causing a negative impact to my credit score which would negatively impact me - asking they reinstate it - the man on the other end of the phone, rudely stated that it was my responsibility to pay the bill. His name was XXXX on the enclosed docs. I have personally been the XXXX to my mom with XXXX for the last year and XXXX children, 4 dogs, 6 cats etc. This is why my husband pays the bills. He is the income and maintains the knowledge of what needs to be paid when. I had all this going on which I explained to XXXX, further explaining that my only concern was the result of their decision on my credit report/and score/and skewing the utilization %. He didn't care. Said they had nothing to do with FICO. But they do. They absolutely do. They make decisions based on small mistakes consumers make and don't care when you point out that the payment was sitting in the incorrect account. They fixed it and moved it, once I pointed it out to them, but were unwilling to address my real concern which was the change in my debt utilization % due to their decision to reduce my credit limit, which I was not even using, due to our efforts to pay off our 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 2023-11-07
Company: Experian Information Solutions Inc.
State: OH
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. 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 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. Please remove the following accounts : 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 2022-12-02
Company: EQUIFAX, INC.
State: GA
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:
It's been over 30 days and the creditor has not updated the information nor provided proof or documentation in regards to a late payment. They have not provided the information and must delete this information under my credit report. Under federal law they had 30 days to complete the information and by failing to do so it must be deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Ive already submitted a complaint about this chase freedom card and XXXX from the office of the president is NOT HELPFUL!!! Im still wondering why is she calling me if she has not figured out a solution to an easy problem! Its in black and white that I met the standards to get a chase plan however she is saying eligible purchases. Well what makes a purchase ineligible?!?! She cant give me an answer. Meanwhile my payment is due Tuesday XX/XX/21 and Im going to have to make a payment which will THEN make the purchase ineligible to be put in a chase plan. Ive been a chase customer for over 20 years and Ive had this card since XXXX and I make my payments ON TIME! XXXX XXXX score is in the 800s and above so I cant believe its my creditworthiness! Its impossible. Needless to say if this isnt fixed by Monday, I will take every single dime out of my Checking, Savings, Investment, and my daughters checking account and find another bank. UNACCEPTABLE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: FL
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 have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: GOLDMAN SACHS BANK USA
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I created a XXXX savings account after reading about it on XXXX. Account creation goes smoothly. After the account is created, in order to link my bank they make 2 small deposits. That step goes without issues. At this point I'm able to transfer funds into my newly created account. This is also when the problem arises. I make a XXXX dollar test transfer to see how long it takes. No issues. I deposit XXXX. No issues. I setup my cable auto pay for my cable company. When the date comes around and the XXXX account gets pinged for the money, it gets " paid ''. A day later my XXXX account is credited with those funds and I get a call from my cable company notifying me of this issue. 

This is when things go south. I call XXXX to find out more information. I am told repeatedly that my account was frozen and in order to unfreeze I would need to send a copy of my bank statement ( the one linked to the XXXX account ). That seems like normal procedure until I heard the email address. XXXX. Now I'm super sketched and on high alert. 

I wanted to know why this was happening. What caused it. Was there security issues I needed to know about to prevent this from happening again. I was informed that he did not have the answer. If he did have the answer he would not be able to give it. I would not be able to speak to anyone with these answers. He could not tell me how long the process would take to " unfreeze '' my account. At this point, I completely regret opening this account. I realize that I would have to go through this convoluted process in order to " unfreeze '' my account so I could transfer my money out and leave XXXX. 

I tried paying a cable bill. That's how all this started. But let 's say it was for something important or life threatening. I was emailed confirmation my bank was linked to XXXX. With no warning from XXXX, and not until I tried to access my funds, did something actually happen. Even then it wasn't until I called and dug around that I found this out. 

Also had I not have called in to find out I needed to send my bank statement, I was not going to be informed about it. But they would have let me to continue to deposit money. Live chat through their website gave me a similar answer. Call this number ( the one I called before ) to solve your issues. 

I go on XXXX and do a quick search about XXXX accounts. Within seconds I find a crap-load of others in similar situations as mine. I guess a portion of the blame falls on myself as I should have done more research before opening this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$16000.00} ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX Balance : {$16000.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX Bankruptcy Discharged XXXX ; XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Discharged XXXX ; XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
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: Account information incorrect

Complaint:
I have numerous reports concerning the same issue and all go UNRESOLVED because you, my protection agency close the report immediately upon receipt of a response from the identified credit bureau. I am being denied credit or LOAN and charged usurious rates AND PAYMENT REQUIREMENTS TO PURCHASE based on incorrect and outdated information and the credit score is at minimum of 40 points lower from third parties using their system and you send me an email this seems to be similar- really! When will you assist. Right now within seconds i have negatives on my report shopping for a car which here in Florida I am allowed to do at one dealer! Does it matter if you have proof OFF SHORE personnel have access to America personal credit information?

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 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX credit cards that I pay in full monthly that Im the authorized user on. Transunion is not reporting the information and removed the wrong accounts from the report. They refuse to re - add the information.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: NY
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:
I do not consent to electronic communications. I request all responses be in writing through the USPS. Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : 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 2018-08-20
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a complaint from XXXX XXXX against National Credit Ssytems for National Credits failure to provide requested information for the debt alleged. OnXX/XX/18, consumer, received a demand letter from creditor, National Credit. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
National Credit responded on XX/XX/18 with a letter including only statements from the original account. These statements do not show National Credit 's authority to collect on the debt. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Since XXXX when I began a contract with Ally Financial. They have committed fraud on this account Multiple times. Ive sent in many forms of tender of payment. Such has registered securities that have been kept by the company. And the credit not applied. I recently XXXX sent a registered security registered mail. They refuse to apply to my account and are harassing me by telephone about a payment. Theyve reversed payments which I have proof of. Refusal of discharge by law it automatic discharge. I just received my credit report it shows the account was paid in full and closed. Ally reopened the account. I need help ASAP they have illegally repoed my vehicle multiple times. I have proof of all the fraud they have committed

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 2022-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is a hard inquiry on my report that I did not authorize from CAPITAL ONE BANK USA on XXXXXXXX XXXX XXXX and on XXXX XXXX  This is a form of identity theft and would like for it to be removed from my account. I reached out to the company and they informed me to do a dispute against it so that's what I'm currently trying to do. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company is saying I am in default because I have not paid the correct amount of taxes and insurance towards my impound account. I have supplied them with a copy of my current property tax bill but they have disregarded it and arbitrarily using a number 151 % above my current tax bill. They raised my monthly payment from {$2100.00} per month to $ XXXX month. 

XXXX annual taxes are XXXX / XXXX = XXXX Insurance {$640.00} / XXXX = XXXX P & I Payment is only XXXX My total payment due should be XXXX They sent me a letter stating they will return any payment less then the new full amount and I am in default and they are going to start foreclosure on my house. 

I just refinanced XX/XX/2020 and they took XXXX for tax impounds and {$910.00} for insurance. It is numerically impossible for them not to have enough money in my impound account to cover my taxes and insurance. 

Every time I call UWM I am passed around and disconnected. No one seems to know what they are talking about. Now they are saying my account has been referred to collections and they can not talk to me anymore. Please help I have never been late with any obligation in my entire life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: SC
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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: In progress
Consumer complaint received 2019-11-03
Company: Possible Financial Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Completely XXXX my credit score, I made every payment in full and on time, never had any late payments and I am only one payment away from paying this off in full and apparently theres no reason as to which dropped it just did so they are no help and they completely destroyed my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
The following hard inquiries should be deleted. Inquiries : XXXXXXXX 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 2023-12-28
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: Information belongs to someone else

Complaint:
I have been disputing Credit Acceptance on my credit profile, I was a victim of identity thief and every time I dispute the account it will come back as verified even after I point out multiple violations and prove that all my 3 credit reports are reporting different information from this company they are reporting deceptive information on reports also and is in violation of my consumer rights I have requested a validation letter from the company also requested method of verification from the credit bureaus on how they conducted they investigation. Also I did not authorize XXXX XXXX XXXX to report on credit profile. And I requested that the credit bureaus delete the account and they refused even after I notified them of the deceptive account

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