BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: Early Warning Services, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023, I received an email from XXXX XXXX XXXXXXXX that stated, " Thank you for your interest in opening a deposit account with us. At this time, we're unable to open the following account ( s ) for you : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The email went on to indicate that their decision was based in whole or in part on information obtained from the consumer reporting agency or agencies listed below. Furthermore, XXXX XXXX XXXX indicated that " [ my ] deposit account score is a number that reflects the information from your deposit account history in your consumer report. Your deposit account score of xxx used by us in taking the above action was created on XX/XX/2023, and provided by an external consumer reporting agency Early Warning Systems. '' This attempt to open an account was made without my authorization. As such, I considered it an attempt to commit identity theft/fraud. I immediately contacted Early Warning Services , LLC, and spoke with a customer service representative to request a copy of my report be emailed to my attention due to identity theft. The Early Warning Services , LLC website contained the following disclosure, " In accordance with the Fair Credit Reporting Act, your consumer report will be sent to you within three calendar days if you notify Early Warning that you have been a victim of identity theft and you provide the information required by the Act. '' Early Warning Services did not place a freeze on my report. Additionally, I contacted the fraud department of XXXX XXXX XXXXXXXX and reported the attempted account opening. While speaking with XXXX XXXX XXXX, I was informed that another attempt was being made. Another attempt was made later in the evening, bringing the total attempts to XXXX. Again, I received emails from XXXX XXXX XXXX indicating that information was obtained from Early Warning Services , LLC. On XX/XX/2023, the third business day, I contacted Early Warning Services and noted that I had yet to receive a copy of my report. I was informed that the information on the website needed to be corrected and a report would be provided within 15 days of the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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 XXXX  BANKRUPTCY ( XXXX XXXX XXXX TX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-09-22
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
OK. So this is a bit of a long story, but I am sick of being raked over coals. 

I have 2 payments that were supposedly " missed '' and I will dispute them to heaven and back because I always pay my debts on autopay. 

One is with TRUIST bank, a loan I have through them, that withdrew money through my account with them. They said I missed a payment and knocked my credit score down XXXX points. 
My own bank, which withdrew every other payment except the last one, which they reported as late which is XXXX. 

XXXX did this as well and when I got a restoration of some credit, it was nowhere near the XXXX points it dropped me. 

I had excellent credit. My balances routinely look maxed when they were not now because of how lenders work. 

The lender tells me to contact the bureaus, the bureaus tell me to contact the lenders. 
No one will help me, and I feel that I am being treated unjustly. 

I have hard inquiries on my report now because I am trying to lower all my balances. No one will take someone with a below XXXX score. 
So yeah.. Dropped credit limits, which lower score, which lower limits, which lower score is just not going to cut it for me. 

They couldn't possibly be wrong.. It has to be that I am a bum who doesn't pay my bills. 
I make {$74000.00} a year but since I've been getting circular whammied over and over, it doesn't even matter because I have had to kick so much debt around. 

Lenders, credit reporters, dispute handlers, are all useless and none want to restore me to what my credit was. 

I can not stop it from being bad because of the balances looking maxed out, and these people making mistakes they blame on me. I will dispute this over and over again because I've been wronged. 
It's like they know regular people can't lawyer up, but I could put them on TV.

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 2022-05-06
Company: EQUIFAX, INC.
State: VA
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient issued to letters dated XX/XX/XXXX, received today, XX/XX/XXXX with incorrect, conflicting information. 

A final payment of {$19000.00} was made on the student loan on XX/XX/XXXX. Navient cashed that check on XX/XX/XXXX. 

Navients first letter dated XX/XX/XXXX, states they received a payment of {$15000.00} and allege there is a balance due of {$93.00} which they claim is due in ten days. This is a HUGE discrepancy. 

Navients second letter dated XX/XX/XXXX, states they received a payment of {$15000.00} and allege there is a balance due of {$110.00} which they claim is due by XX/XX/XXXX. This same letter, at the top, says nothing is due on XX/XX/XXXX. The second letter, dated the same day, received the same day differs greatly from the first letter. Navient exudes incompetence. This is a HUGE discrepancy. 

Please refer to the attached and note all of the discrepancies. Most of the discrepancies are highlighted in the attachment. 

1. Payment amounts in both letters are incorrect 2. Amount due in both letters is incorrect 3. The due dates in both letters are incorrect. 
4. The application of the payment was misapplied. 
5. Navient still has not even attempted to correct any of their previous errors and they continue to compound the issue with additional errors. 

It should be noted that numerous letters have been written to Navient at XXXX XXXX XXXX, XXXX, PA XXXX and Navient has failed to respond. 

Navient is a horrible company and should be held accountable for their numerous errors. 

There have been numerous and ongoing issues with Navient that demonstrate a pattern of behavior and the escalation. While this new issue is separate and distinct from the others, it further demonstrates the escalation of abuse and Navient 's failure to correct their errors and improve their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had a XXXX XXXX card taken out in my name that i did not physically apply for in XXXX, when i contacted them about the issue they couldn't tell me how a card was approved in my name that i didn't apply for even after explaining this to them they refused to work with me and told me i was responsible for the charges made then they closed the account and marked.it as a charge off in XXXX the account has XXXX dollars worth of charges. Now its on my credit report and equifax wont work with me either even after contacting them about the issue and explaining to them it is a fradulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Consumer Adjustment Company Incorporated
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: Old information reappears or never goes away

Complaint:
There is an open collections account from CONSUMER ADJUSTMENT that was added to my XXXX credit report on XX/XX/XXXX. This was a credit card account that was closed 2,777 days ago on XXXX XXXX, XXXX. This is an attempt to re-age the account and prolong its presence on my credit report. I have disputed and had the account removed from the other 2 credit bureaus, but XXXX refuses to acknowledge the data I have provided in my disputes and reaffirms the fraudulent claims by this unscrupulous debt collector. Even though this account is over the 7.5 years when it should be removed from my report, this collections agency has reported the debt as being opened XXXX. This date is over 7 years after the account was closed and they've simply reported the age as the date they acquired the debt. 

I previously disputed this account and successfully had it removed from XXXX as well, but this collections company has purchased debt that is older than 7.5 years and has tried to re-age the account to ensure it stays on my report to try and collect debt they bought for pennies on the dollar. Both XXXX and CONSUMER ADJUSTMENT ( XXXX XXXX XXXX XXXX - Original creditor ) are in violation of The Fair Credit Billing Act ( FCBA ). I have disputed this account multiple times and have tried to contact the original creditor and collections company to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We purchased a XXXX XXXX XXXX and increased our payments to get the vehicle paid off within XX/XX/2020. 

They claim they never got the extra payments or they were not applied correctly. 

They have done this, as well as selling lemons as well. Check your Attorney Generals office. Theyve lost quite a few cases.

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 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
At Bank of America my Intellectual Property unprotected where XXXX Wire Transfer of amount XXXX XXXX XXXX XXXX XXXX thousands usd. XXXX  code in XXXX was on a way way less type amount XXXX which is at federal court where i sued these participants. At federal reserve bank even the documents that they receive of Escrow Account may not been an Escrow account. I was told I had to send money through money gram an XXXX XXXX to XXXX to different receivers some in XXXX I even won back {$14.00}, XXXX from these transactions which United states vs XXXX XXXX i got back this year XXXX. At bank of America the Bank Representative drew red flag 1 2 an alligator and swamp water upon this close account but was open during the input of wire, the consumer protection went out to investigate why the bank got the XXXX in recieve mode but not the documents of money but it show green of the wire. The bank representative also had me call back also all our calls should be redeemable from XXXX to after even that year not many calls. Even the agent who had documents and deprived me of actual money they commit fraud which other Crime happen to where the person was in XXXX XXXX bank where he Destroyed Important Papers the year XXXX and this was on world news and he was there not under is Goverment name he was under another id.So he went on planes to XXXX without his real id of usa federal prosecutor.

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 2023-09-23
Company: HW Holding, Inc
State: MN
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
hunter-warfield place called XXXX at XXXX, Hunter-Warfield ( XXXX ) called regarding XXXX XXXX XXXX debt ( rent, damage ), said debt was paid before moving into XXXX XXXX ( both owned by Minnesota HRA ) XXXX : Called, I had previously directed XXXX ( wife ) to ask for names ( person, business ) ... for once they gave the name... hunter-warfield ... it was a XXXXsounding woman on the phone. 

The whole thing is over {$440.00} or so... most of the time they hang up after we ask for name of either the person or the company. 

The debt was taken care of, otherwise HRA wouldn't have allowed us to move into another HRA building.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
Claimant ( consumer ) is in receipt of XXXX ( financial institution ) letters dated XX/XX/XXXX in regards to an investigation about multiple inquires ( dated XX/XX/XXXX and XXXX XXXX ) that was a result of fraudulent inquiries that XXXX does not have permissible purpose pursuant to 15 U.S.Code 1681b. The Claimant therefore has actual damages sustained as a result. The Claimant now has evidence that the Respondent fails to comply with the Fair Credit Reporting Act, 15 U.S.Code 1681 et seq with respect to Claimant as a consumer wherefore the Claimants commercial ability is impeded due to the Respondent. Pursuant to 15 U.S.Code 1681XXXX the XXXX is liable for Civil liability for willful noncompliance and 15 U.S.Code 1681o for Civil liability for negligent noncompliance. The Claimant has attached an Affidavit of Fact, A Dispute, Exhibits and an Invoice for the Respondent to review and or fulfill the actual damages sustained by the Claimant, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 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 2020-10-26
Company: DISCOVER BANK
State: NJ
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:
The account in discussion is Discover Bank account # XXXX the issue at hand is a late reported in XX/XX/2020. Back in XX/XX/2020 I was sick with Covid-19 and unfortunately I was unable to reach anyone at Discover to defer my payment. Once I was well enough quickly made the payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received an offer in the mail from HSBC to get a {$370.00} bonus if I were to open a new checking account, bring in {$10000.00} of new money and leave it on the account for 90 days at least. 

I opened in XX/XX/2019 a new checking account at HSBC, as a new customer and deposited {$10000.00}. In XXXX, I called HSBC customer service telling them that I wanted to close the account but noticed that the {$370.00} bonus was not deposited. They said that they would open a case but that I could not close the account if I wanted the bonus. I then went to a branch and withdrew my {$10000.00} through a cashier 's check, waiting for the bonus to get credited soon. 

In XXXX, still no {$370.00} and I had received a letter stating that my account was overdrawn and in collections. I called HSBC customer service to understand what was happening. They said I was charged a monthly maintenance fee since I had not met the minimum balance requirements. I told them about the open case for the {$370.00}, which was the only reason why I did not close my account, waiting for the money to be credited to my account. They said they would look into it, make sure I get the {$370.00}, send me a check and close the account. And as a courtesy wave the monthly maintenance fee I was charged! 

In XXXX, I received another letter from HSBC stating that my account was overdrawn and in collections. I called HSBC customer service again and someone said they had to look into the case that was open for my {$370.00}. They called me back that afternoon to outline ( without explanation ) that I did not qualify for the {$370.00} they had promised me and that they had closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Purchased my home on XX/XX/XXXX and my property taxes were included in the closing total for XXXX. After about 2 months the mortgage was sold to another company. I have been calling and sending the tax bills to them since XX/XX/XXXX and as of yesterday they still have not released payment from my escrow account. I have also reached the tax collector 's office and they assure me nothing has been paid. I also received a letter from the tax collector 's office on XX/XX/XXXX stating that if my taxes are not paid by XX/XX/XXXX my account will be considered delinquent and turned over to the county for collection with additional penalties and fees. I have called the mortgage company over 10 times and have send tax inquiries through their website 4 times and no one seems to be doing anything with my account. 

Any help is greatly appreciate 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 explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-04-10
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:
I disputed multiple accounts that started last XX/XX/2020. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.

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 2020-02-12
Company: MS SERVICES LLC
State: CA
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:
MS SERVICES ACCOUNT XXXX IS APPEARING FRAUDULENTLY ON THE BIG 3 BUREAUS.THE FRAUD CREATED BY ORIGINAL CREDITOR IS EXPLAINED IN DETAIL IN THE ATTACHED DOCUMENTS.

Company response to consumer: Closed with explanation