BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: Upstart Holdings, Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was informed last week wednesday to pay XXXX I went ahead and paid the XXXX on XX/XX/20 before any reporting however I was informed today that I was supposed to pay XXXX and no one has advised me of this and this has been nothing but a headache and confusion I had XXXX  this company lied and charged me fees and now I have credit reports 30 days late and my account has been sent to some agency and im not aware of this I am asking for an fix asap my credit is affected and this to be fixed and to speak with the agent who did not advise me to pay XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : 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 2022-11-17
Company: Experian Information Solutions Inc.
State: IL
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:
I've already disputed these items with bureaus 7 months ago, more than 3 times, and they have agreed to delete this incorrect information, and it still has not been removed from my consumer 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 2022-11-17
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted this Experian and XXXX for the last times on XX/XX/23 to get the method of verification for the bankruptcy that is currently on my credit report. The information reporting as accurate are both reporting different reference numbers and court names. I sent them both a certified letter a few months ago and have yet to receive a response or a update to my credit report. I am requesting a deletion of any and all reporting of bankruptcy and {$5000.00} for monetary relief for the humiliation, defamation of character, and consumer violation of rights due to this being on my report. Ive been denied extensions of credit I am unable to get financing for a vehicle. Its causing stress to me. I will be filing a claim if there is no relief to this ongoing problem.

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 2023-06-25
Company: Experian Information Solutions 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 account XXXX does not belong to me. I have done research and discovered it is a secured card. I dont need a secured card as I have a credit card with my financial institution XXXX XXXX! Please REMOVE this its extremely damaging to my credit. 



Please also remove the address XXXX XXXX XXXX And the phone number XXXX from my credit report as these are other fraudulent things open in my name.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: AL
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-12-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Today on XX/XX/23 I received a letter in the mail from " BMO Bank ''. I opened the letter and discovered a statement from them for a " savings builder '' account. I've never done business with them before and have never opened any accounts with them. I immediately called their customer service number on the letter and told them that this account was never opened by me. The letter I got said there was no money in the account. Also, after being on hold with them for XXXX minutes, they also told me there was a checking account also in my name with them but they didn't tell me if there was money in it or not, however they let me know that they've closed the accounts and had me listen to a pre-recorded disclosure about reporting credit fraud. Before hanging up, I asked if they could provide me information as to how this happened and he said his recommendation would be for me to go to a local branch to ask them and to file a complaint there. After my phone call, I contacted XXXX and put a security alert with them and they said they would notify the other credit bureaus. XXXX will have the security alert on my file for a whole year. Tomorrow I plan on going to this bank in person and filing a formal complaint with them for letting someone fraudulently open XXXX accounts ( a savings and a checking ) in my name and hopefully getting this cleaned up and hoping the damage done to my credit or anything else isn't worse than just this.

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 2023-10-23
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I.C Systems Inc. is trying to collect debt and doesnt have a license to collect debt on me in my state ( Florida )

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 2022-11-17
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I closed on a house and one of the requirements was to payoff an American Express balance. The financing bank could only payoff the most recent statement, which did not reflect my most recent {$400.00} payment. I knew this would result in a {$400.00} credit balance and I planned to contact American Express for a refund to my payment account on file once the payment posted. 

I am in the middle of a move, so many things are already packed away - including this particular credit card as it's simply a backup card. 

Once the payment posted, I attempted to use the website to request a credit balance refund. I entered {$400.00} but it gave me an error indicating I needed to enter an amount equal to or greater than {$0.00}, so apparently the website is broken for users wishing to request a credit balance refund. 

I instead attempted to use their chat support. I was logged into my account and verified my mothers maiden name as requested. They then asked me to verify the 3 digit security code on the back of the card. As I am in the middle of a move, the card is packed away. I would have to unload and unpack several boxes to find it. I explained this and asked if there was any other method of verification I could do and they said no. They directed me to a supervisor who said the same. 

Their only suggestion was to mail a check - as I am in the middle of a move and I do not know how long that would take, I don't know what address I would even use - my old address where I won't be soon? My new address I won't be at for two months? A temporary address? And how is that the more secure option when the check could easily be lost, stolen, or delivered to an address I'm no longer associated with? 

I asked for a refund of my most recent {$400.00} to the payment account it was made from, and they told me I'd still have to provide the same 3 digit code.

Basically- American Express wants to sit on my {$400.00} because they have no method of verifying their customers unless that customer has a silly 3 digit code rather than find another way to verify me and safely and securely return a payment to the payment account that has been on file for years. Instead, they'd rather drop a check in the mail to an address I won't be associated with in a week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: NJ
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 trying for months to resolve this XXXX account and to no avail. This is not my account and it continues to report incorrectly in addition. 

XXXX/Experian report the account as Closed ; XXXX reports it as Open XXXX reports a different balance than Experian/XXXX  All three bureaus report different terms each. 
All three bureaus report different payment statuses. 
All three bureaus report different dates of last activity. 
All three bureaus report very different payment histories.

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 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2022-04-01
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I changed my insurance company back in XX/XX/XXXX to increase my coverage to make sure my house was properly covered after the recent increases in construction materials. My mortgage company took almost 3 months to pay the insurance company from my escrow account and when it did it submitted a duplicate payment which caused an escrow advance. During these 3 months my insurance company had to reverse a payment made by me out of pocket because according to the mortgage company the payment must be made by them from the escrow account. In XX/XX/XXXX I received a letter from the mortgage company requesting a payment of XXXX to cover the escrow shortage ( which was caused by their own mistake ) and the new projections for XXXX to avoid my mortgage payment to increase {$400.00} dollars by XX/XX/XXXX. Since XXXX I have been in contact with both the insurance and mortgage companies to resolve the issue they have caused and after more than XXXX XXXXhour calls they still haven't figured how to resolve the issue. According to both the insurance agent and one of the mortgage company 's home lending advisors the check was never disbursed since the insurance agent called the mortgage company and was asked to send the check back to them. Now the date has come in which I have to make additional XXXX payments to my mortgage company, and I do not have the money to cover that additional payment. I am a veteran that suffers of mood disorders and suicidal thoughts with a wife and XXXX kids, and I can not afford to lose my house. All this issue has caused me several illnesses, including not being able to sleep for more than a week, and been put in sleeping pills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$17000.00}.

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 2022-11-17
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted ; SECURITY CREDIT SERVICES- ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Mississippi, they are reporting a debt that I have not agreed to enter by contract or written consent, and they are reporting this information to the bureaus, it is hurting me greatly. There is no privity and no signed contract or agreement between me ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have no knowledge of the following inquiries on my reaccredit report 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 non-monetary relief
Consumer complaint received 2022-11-17
Company: MECHANICS BANK
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I sent a cashier 's check to Mechanics Bank to pay off auto loan. I overpaid the interest due and the bank states they do owe me a refund of the overpayment. They have released the title and sent it to me and they admit they owe me a refund of the overpayment amount. My problem is they say they will hold my overpayment amount for 45 days even though the cashiers check has cleared, they have released the title, and I have no other accounts with them. 

Why can they hold my money and not refund for 45 days??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Applied Business Services, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, applied bank credit card closed my account without having my permission after sending the financial institution several reasons of why I would and have fell behind on payment prior to and after XXXX of XXXX and XX/XX/XXXX. The company has refused to offer repayment options and has harassed me multiple time to make a payment which then resulted in interest rates increasing making it almost impossible to pay down the balance. In fact, Ive asked for the balance to be lowered and the interest rate to be lowered in XXXX of XXXX which I was denied. Finally I would like to state my credit score has been negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX : XXXX XXXX/2022XXXX XXXX, 2022 XXXX : XXXX, XXXX. 
XXXX XXXX, 2022 XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX/XXXX/2022 Experian : XXXX XXXX XXXX XXXX  XXXX2022XXXX XXXXXXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXXXXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX  XXXX XXXX, 2022 XXXX XXXXf XXXX XX/XX/2022

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 2022-11-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax XXXX : XXXX XXXX XXXX, 2022 XXXX : XXXX, XXXX. 
XXXX XXXX, 2022 XXXX XXXX XXXX/2022XXXX XXXX, 2022 XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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: Their investigation did not fix an error on your report

Complaint:
Credit agencies has placed unauthorized collections on my account without my knowledge or consent! I never had an account with the following company before! Its causing harm to my credit which is defamation of my character.. 

-Collection : {$500.00} - XX/XX/202XXXX 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