BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$340.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$610.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all lates immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. 
XXXX XXXX Balance Owed : {$0.00} - This just proves your lack of proper record keeping. Now, this item is reported to be 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove it immediately. 
XXXX XXXX Balance Owed : {$460.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.

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 2023-03-18
Company: Bread Financial Holdings, Inc.
State: MI
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:
Commenity Bank XX/XX/22 {$11.00} fraud charge to XXXX, credit limit $ XXXXHad a {$0.00} balance. Only used this card couple times a year. XX/XX/22 late fee {$11.00} + {$1.00} interest charge. XXXX {$23.00}. I believe it was XX/XX/22 when I noticed the fraud. I made no purchases and unfortunately Commenity Bank emails went to my spam. I contacted Commenity and they cleared up the fraud issue. Issued new card. Do to late fees/fraud on my account credit was dropped to {$750.00} and 30 day late was posted to my credit report. Commenity told me the Credit Bureaus would fix this and so. Been a big run around

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19
Company: EQUIFAX, 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 discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : 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 2023-03-19
Company: Lewis, McDonnell & Associates
State: CT
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 contacted XXXX XXXX over and over again at the end of XXXX and now going into XX/XX/XXXX on the same matter- all collection accounts are paid, credit cards on a monthly basis are paid in full and I still get a poor credit score claiming the following reasons reported to credit wise : medical debt? - never had medical debt on my credit report, oldest credit card is 17 years old? - not sure why this would be up there? credit usage - again paid off 100 % at the end of the month when due to score points/dollars according to the credit card I signed up for. 

XXXX XXXX continues to score me at below average on credit used, recent inquires? new accounts? and available credit average. 

Not only did I get a recent credit report that cut off 10 pages of data, but the claim in their letter to me they take matters like mine serious ; y. REALLY???? 

If you have them pull a credit report and send me again, it will be riddled with errors and continue to keep my credit score at an all time low. 

I have been working on this since XXXX, reviewed my credit with an attorney who advised me what to do, and still they are not taking action to clean this up and move forward. 

They are causing me to hold off in getting a mortgage, qualify for poor interest rates on car loans, etc. 

At this point, I would like to have XXXX XXXX compensate me for all the troubles with them in the last 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened a CD account online on XX/XX/2023 for {$30000.00}. The CD account was still pending on XX/XX/2023 but the funds were withdrawn from my funding account. I called to inquire about the account but was given the run-around from their account associates. I eventually spoke with a manager ( XXXX # XXXX ) and was told there was a hold on the funds. He referred me to the 360 CD Account Disclosure page on their website. I read through the disclosure and didn't find anything for holds on funds. I asked XXXX where it was located. He was getting irritated that I asked but he put me on hold. 10 minutes later he returned and reluctantly said the hold was not disclosed in the CD section ; it was disclosed in another section. So I told him that this hold was not disclosed at the time of my account opening. He would not answer. This is an unfair and abusive act and practice. They took my money and would not open the account. I can be earning interest elsewhere. How many consumers will they harm before someone puts an end to this abusive process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 informed them that I have a charge off but I received a 1099 C and had to claim it in my taxes so this is reported inaccurately on my credit report and is a violation of 15 USC 1681 E and needs to be deleted,

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 2022-11-13
Company: NAVY FEDERAL CREDIT UNION
State: HI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On around XX/XX/XXXX, I applied for a home equity loan from Navy Federal credit Union to consolidate my credit card debt. According to XXXX and XXXX XXXX my home value was approx. {$420000.00}, but I claimed that the value was {$400000.00} on the application to be on the safe side. 

The bank representative told me on approximately XX/XX/XXXX that I need to get my house appraised and I need to pay {$730.00} for the appraisal, and I agreed. When the appraisal came back back, my home was valued at {$300000.00}, which was shockingly low. In XXXX and XXXX there was a back and forth about my home value I submitted an appraisal appeal showing that a similar unit with a smaller square footage in my same complex in worse condition and with older roofing ( my building had new roofing installed in 2021 ) was sold for $ XXXX. They offered me worse loan terms then originally discussed because of the extremely low valuation on my property. 

During this time, the home values went down and the interest rate went up, but I was told that the rates at the time I applied should be locked in. I submitted an appeal, but they stuck with the $ XXXX value, even though my state tax assessed value is $ XXXX right now as I type this, and typically the appraised value is somewhere higher then the the state assessed value. Since I have applied for the loan back in XXXX, I have been making minimum payments on my credit cards, expecting the consolidation to go though, but its XXXX and I am no closer to closing. The last thing I heard from NFCU is that they need a second hard credit check because the first XXXX isnt valid any more. But because of their stalling and their first credit check ( as well as a second credit check from my attempt to shop around for a loan elsewhere ) my XXXX XXXX has taken a hit. A third credit check in the space of XXXX months may disqualify me from a loan, but only because of their stalling. The second bank that I applied to has also stopped communicating with me.

It appeared as though NFCU is finding any way to get out of offering me a loan with fair terms because of the 3 interest rate hikes which happened after I applied. My credit score has taken a major hit because of theIr stalling, and I fear they might try to offer me worse terms based on the damage to my credit that they caused between XXXX and now. If they offer me the original terms, I would take it just so I can move on and start paying down my credit card debt. I would prefer to have better terms, though, which are more reflective of the actual value of my house, and based on the interest rates that existed when I originally applied.

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 2022-11-06
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Comenity Bank has not updated the activity occurring on my XXXXXXXX XXXX credit card since XX/XX/2022. As such the balance information is incorrect. Customer service indicated in XX/XX/2022 that it would be updated in 45 days. 

It still is not updated. My current balance is {$0.00}. I've had to file disputes with all 3 credit reports as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/XXXX I received my reinvestigation results back from Equifax re : XXXX XXXX Account # XXXX, and Equifax said that the account 's reporting was 100 % accurate and complete. This is not the case... not even close... which is why I just submitted complaint # XXXX requesting that the CFPB conduct a reinvestigation of these results. I would also like to receive a description of the reinvestigation that Equifax conducted under 15 USC 1681i ( 7 ).

The account mentioned previously is not reporting accurately. Hardly at all. In fact of all three of the major credit bureaus, Equifax has absolutely the largest amount of inaccurate and incomplete information reporting on this particular account AND the company I've spent the most time talking to about this on the phone AND as a result is damaging my credit score THE MOST. I'm not even kidding. This is the complete list of inaccuracies on just this one particular account : *Account Status *Date of Last Activity *Date of First Delinquency *Payment History ( The report literally says " No data returned '' - What?!?!? ) *Date Closed *Date of Last Payment *Delinquency First Reported ( How is it possible for an account opened XX/XX/XXXX to be delinquent on XX/XX/XXXX ... the next day?!?!? Really?!?!? ) These items are NOT 100 % accurate. In fact, since I have been in contact with this company since early XXXX, you can see that Equifax did not modify or delete the inaccurate/incomplete information on my consumer credit report according to 15 USC 1681i ( 5 ) ( A ) ( i ). I am attaching a portion of the credit report as evidence.

Considering how blazenly Equifax has damaged my credit score with this reporting, and given how much easily disproved inaccurate, incomplete and damaging information the company continues to publish about this account on my profile, I will also be filing this complaint with the Massachusetts Attorney General 's office and the Better Business Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Southwest Credit Systems, L.P.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by Southwest Credit Systems LP, regarding a non existent debt. I informed the representative that there is no debt and requested they forward me the source documents. What I was sent was far from a source document. These tactics are tantamount to extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2023-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/XXXX card ending XXXX withdrawal of {$2000.00} XX/XX/XXXX card ending XXXX Funds transfer ( other account that was compromised and frauded and eventually closed account ) {$1500.00} XX/XX/XXXX card ending XXXX withdrawal of {$1000.00} XX/XX/XXXX card endingXXXX Withdrawal of {$180.00} XX/XX/XXXX card ending XXXX withdrawal of {$100.00} XX/XX/XXXX card ending XXXX withdrawal of {$300.00} XX/XX/XXXX card endingXXXX  withdrawal of {$1000.00} XX/XX/XXXX card ending XXXX withdrawal of {$500.00} I have spoken with bank of America edd fraud and claim department many many times to discuss the situation at hand XXXX I made several attempts to get in touch with the representatives and we have spoken many times and I have expressed to them how my Bank of America EDD Account and private information, from my emails to other banks accounts i had also, where compromised and hacked frauded into. 

I can recall clearly I was on the phone with the Bank of America EDD fraud /claims department for an hour or so because my account had the departments number verified and on my account AS MY OWN NUMBER. IN my own words the lady had said she has been working at the department for years, as she was a 2nd tier specialist, and said that she has never seen this ever happen. It took them hours to try and remove the departments verified number of my account. 

Around that time and on, all my accounts from my edd online account to my chase account, XXXX, my emails and my phone numbers and passwords were fraudulent. I had to change emails and phone numbers and passwords And now it has just been a habit since getting my funds stolen under my nose. 

And still I have been contacting them about my claims that many representatives have said they have been going over for more then a year now. With no result and resolution my accounts that was hacked into and fraudulent transactions/withdrawals occurred Alot of these situations where not in my favor and since of it all I have lost more then what was fraudulently stolen from me, ths goes to me having a good stable job with 2credit cards and a bank account with SAVINGS ACCOUNT to me not being able to have any more credit cards, in debt, and not being able to have a bank account! Anywhere because my identity was and is stolen No I have only one prepaid bank account Luckily I was able to with debts and collections because my situation hasn't been really looked into although everytime I speak with them it is still open claim and even though everytime a complaint is filed for me and under investigation going on more then a year or don't favor and remember how I had my identity stolen.

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 monetary relief
Consumer complaint received 2018-11-15
Company: Ocwen Financial Corporation
State: AZ
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:
I have filed BK in 2009 and got it discharged in 2009, under XXXX the mortgage that was involved on the BK still shows up. I need this fixed and OCWEN should not have this on collection. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSWORLD SYSTEMS INC
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Subject : Request for Forgiveness and Reversal of Late Payment Report Background : In XX/XX/2021, the first couple of payments for a student loan were missed. The borrower did not receive a bill and thought nothing was due because of the stay-at-home order issued by XXXX XXXX of Washington XXXX The account was set up by the borrowers parents, but there was a miscommunication in transferring the login information to the borrower. This error was discovered from a credit report blemish. 

Actions Taken : The borrower went online and paid the overdue amounts as well as the following month. The account was successfully closed within six months of the credit being hit, ahead of schedule. The loan servicer was contacted for relief, but none was given. The borrower requested that the late payment be rolled back off the loan, but this request was denied. 

Bad Faith of UAS Connect : There have been several reports of UAS Connect exhibiting bad faith in their handling of student loans. For example, one borrower reported that they had a recurring payment set up with UAS Echo, but when UAS Connect took over, they did not transfer the recurring payment and filed a delinquency. Another borrower reported that they thought their XXXX XXXX XXXX with UAS Connect was in COVID forbearance extension until they discovered that the first payment was due two months prior. When they contacted UAS Connect, they were told that there is no missed/late payment forgiveness program2.

Request : The borrower is requesting forgiveness and reversal of the late payment report with the credit agency. This would be in good faith, especially during the COVID-19 pandemic and in light of UAS Connects reported bad faith in handling student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: DISCOVER BANK
State: TN
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 company refuses to send me the original documentation with w/a wet signature to prove that the alleged account belongs to the consumer. Prints off are not sufficient as we all know those prints off can be uploaded and altered. Again I want this account removed immediately from the consumer file. If the company can not respond to my request and give me what is needed and oblige the law then IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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:
I have called to fix this problem they send me to several department this account is sold to someone and I ask to be removed off my credit report immediately not my debit anymore

Company response to consumer: Closed with explanation