BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
After checking my profile this summer on XXXX XXXX ( XXXX ) I noticed that my credit card with a {$24000.00} limit from Bank of America opened on XX/XX/XXXX was closed. I contacted them to inquire why it was closed, because the reason listed on the site under Remarks is " Account closed by consumer '' -- -I DID NO SUCH THING either verbally or in writing. I was told by the representative when I contacted them was that is was closed " due to non usage '' and added that it could be re-opened by applying a second time which would be a hard check on my credit, dinging my score which has steadily dropped from well over 750 to low 700s as I've paid off various accounts and balances. What I DID do was have the balance transferred in XXXX/XX/XX/XXXX to a XXXX Personal Loan because the Bank of America credit card interest rate was too high and at XXXX, I was able to get a better rate in order to pay the balance off faster. Yes, I did stop using my credit card to reign in my spending, improve my financial standing and score and pay off my debt. What I didn't expect was this financial institution to cause me financial harm by closing a card with the credit limit that I earned without my expressed written or verbal consent. I contacted the credit bureaus to dispute the closing and have received results that are not favorable, so I decided to reach out to the CFPB to see if you all might be able to help. I'd like to make a major purchase in the coming year and will be unable to do so without demonstrating that I am responsible with money. Thank you for any help.

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 2023-08-24
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:
Today I had another fraudulent account report to my credit report. Names, addresses and accounts that do not belong to me still remain. Experian acts as if they cant effectively investigate and properly remove items from my credit report. I sent them a demand letter which obviously wasnt taken seriously a few weeks ago. There acts including XXXX XXXX XXXX XXXX have been intentional and with malice. I have filed a police report which will be handed over to federal authorities for investigation. I have now demanded payment from Experian for the multiple violations of the FRCA. The last specialist I spoke with from Experian on Friday XX/XX/2023 she implicated XXXX XXXX XXXX XXXX in things that concerned me. So the social security administration has now launched an investigation as well as federal authorities in matters into my personal information being used in a way it should not. A police report was filed so a in depth look at how my personal information was used and the correspondence between XXXX XXXX XXXX XXXX and Experian can be subpoenaed.

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 2018-12-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My complaint begins with closing date XXXX payment due date XXXX statement. XXXX via app alert AMEX requested I make a payment because my current charges were {$2700.00} and requested I make at least a payment of {$1100.00}. Which I made through the app thinking this payment was going to the pay in full charges that was {$2700.00}. So, I made a payment on XX/XX/XXXX {$400.00}, XX/XX/XXXX {$1000.00} and {$190.00} through the app plus {$200.00} credits, total of {$1800.00} payments and credits. Minimum payment due for XXXX was {$800.00}. Payments through the app you can not select which balance to pay, it was explained to me their technology applies any payment to pay in full first then pay over time. XX/XX/XXXX bill is satisfied and extras {$1000.00} should have went to {$2700.00}. However, I learn from the next statement ( closing date XXXX payment due date XXXX ), the XX/XX/XXXX payment never went to pay in full charges but went to the pay over time balance, so now my min payment is {$2800.00} upon research this is because charges from XXXX were held back from the closing date XXXX in addition to the {$1000.00} not going to the correct balance. I made additional payments on XX/XX/XXXX {$530.00}, XX/XX/XXXX {$500.00}, XXXX {$700.00} and dissolve my points to pay {$610.00} which also were submitted on the XX/XX/XXXX but are backdated on the current statement. On XXXX I call to address the discrepancy and was told I should the correction on the next billing statement XXXX payment due date XX/XX/XXXX. On XXXX, I receive a call from AMEX saying my bill is past due. After being transferred 3 times and no one knowing what I am talking about, I explain to XXXX my phone call from XXXX because he was completely difficult and refused to look through the records. He says he will resubmit the request and again I am told it should be fixed in 24-48 hours. I call back on XX/XX/XXXX, I am transferred to about 5 to 6 people in between time I am hung up on and now I was furious! Every  associate has lied about their organization misappropriating my payments and manipulating charges to miss the correct billing statement. This predatory lending to say the least and I can not believe after 2 years and thousands of dollars this is the service they render to me showing no accountability and pathological lying. This is the same wonton behavior that led up to the Real Estate Crisis of XXXX and they will not get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite numerous disputes, the erroneous information persists, staining the overall standing of my credit report. I demand immediate action to rectify this issue and request the removal of these inaccurate late payments. 
Account Information : XXXX XXXX XXXX payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the mentioned account, and it is disheartening to see that inaccurate late payments continue to be reported on my credit file. This misinformation is negatively impacting my credit standing and hindering my ability to secure favorable financial opportunities. 
I am formally requesting the immediate removal of the inaccurate late payments from my credit report. The Fair Credit Reporting Act ( FCRA ) mandates a prompt resolution of consumer disputes, and it is imperative that you adhere to these guidelines to ensure the accuracy of my credit report. The prolonged existence of these inaccuracies despite previous disputes is unacceptable, and I demand immediate action to rectify this situation.

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 2023-03-08
Company: HILLTOP 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: Their investigation did not fix an error on your report

Complaint:
XXXX lists an account PRIME LENDING that is riddled with inaccuracies. My name is incorrect, the balance history is erroneous and XXXX late payments are wrong. I have submitted dispute letters to XXXX several times including correspondence with the creditor that states that I was not late as listed on the report. I would like all inaccurate information deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 state a consumer report agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: WELLS FARGO & COMPANY
State: CA
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:
XX/XX/2019 my son passed away unexpectedly causing unexpected expense of cremation. XX/XX/XXXX my XXXX was hospitalized causing unexpected loss of income for XXXX. On XX/XX/19 I checked my Wells Fargo Bank account and found that it had been closed due to being overdrawn. I have direct deposit and had it remained open Wells Fargo would have received their overdrawn amount plus overdraw fees. Instead they closed the account and reported me to XXXX XXXX XXXX causing me to be unable to obtain access to my paycheck for another week and outstanding checks that I had written not to process. They gave no warning that they would close the account. I have not received any bill for the amount owed to Wells Fargo due to them closing the account without telling me.

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 2023-12-06
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom This May Concern : I am confused as to the entity claiming to own my loan. Please send me the last copy of the original promissory note in your possession and an accounting on my loan for the time you were the servicer. I have asked for this repeatedly previously, but it was not sent. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XX/XX/XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XX/XX/XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XX/XX/XXXX XXXX DEPT OF EDUCATION/XX/XX/XXXX XXXX DEPT OF EDUCATION/XX/XX/XXXX XXXX DPEDXX/XX/XXXX XXXX DEPTEDXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX DEPTEDXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX Balance : {$3700.00}

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 non-monetary relief
Consumer complaint received 2019-04-03
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The on XX/XX/XXXX I paid in full a medical debt owed to XXXX XXXX XXXX to Universal Collection Systems. I followed up with a phone call that was never returned. On XX/XX/XXXX I received a notice that my payroll wages would be garnished in the amount of {$860.00} due to an already paid debt. I reached out again only to have the call to go without an answer. On XX/XX/XXXX Upon looking into my payroll for the week my wages have been garnished for {$390.00} for a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting 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 XXXX XXXX ACCEPTANCE MACYS/CBNA XXXXXXXX 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 2022-11-23
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I'm XXXX and throughout my life, I've had an excellent credit rating. Never once missed a payment on ANYTHING. Paid off the 2 loans I ever took out well before they were due, and paid {$220000.00} in cash for my Winter home in NV. XXXX saw my credit rating slide precipitously by nearly 100 points. I found out the reason - Capital One, with whom I have 2 credit cards said I exceeded 2/3rds of my available credit limit within a 2 month period on one of my cards. ONE HUNDRED POINTS! Nowhere is this " rule '' noted, and nobody knows about it with whom I've come into contact! To add insult to injury, when I requested a raise in my credit limit to make sure nothing like this happened ever again, they declined, even though it is entirely their fault that my credit rating took a nose dive! 

So, after a LIFETIME of EXCELLENT CREDIT, these vultures destroyed my credit rating in one fell swoop! The reporting agencies sent me paid reports that didn't indicate this whatsoever! Because they answer to no one, they have no  need to be helpful or even cordial. Now my credit score is creeping up by 2 to 5 points per cycle - I'll be long gone before the score even approaches what it had been. 

Where is the justice in this, and what can you do for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 not liable for this debt with XXXX and do not have a contract with XXXX XXXX XXXX. They did not provide me with the orginial application like I asked.

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