BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-12
Company: Experian Information Solutions Inc.
State: CT
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 have been contacting XXXX XXXX and Experian since XXXX XXXX, XXXX. My information has been compromised as a result of the security breach. I have place fraud alerts on my reports to avoid any more fraud usage on my report. Someone is still using my identity and have been applying for credit under my name and social I have spoken with several employees in regards to this matter and I have been told that there is nothing that can be done to help me. I have sent in Police reports, documents showing that I was incarcerated during the time of most inquiries, a complaint letter from the fcra and there is no resolution, I am continuously being told they have not received my information. I sent all documents by fax, upload, certified mail and they will not help 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 non-monetary relief
Consumer complaint received 2022-10-03
Company: U.S. BANCORP
State: WA
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:
When I received the card, I used it and tried to make a payment on the website. The payments did not go through because there is a defect on the website that causes the account number to change when the ACH tries to go through, so the institution that the funds are requested from denies the request. 
I saw that there was an issue and called US Bank. After being on hold for over hour I was treated to a snotty support person who tried to convince me that I was doing something wrong. While on the call we WATCHED the account number change from what I had chosen from the drop down to another number. 
Finally, it looked like we got it to go through. That payment later failed with the same incorrect account number I continued to try to make payments, you can see it in my history. I called again and after being on hold to for over an hour I talked to web support. They told me that yes, there is a defect in the web site that is changing the account number. I was transferred to another agent who confirmed the defect. I asked if I could make a phone payment. This Customer Service Representative ( CSR ) said yes, but I would have to pay {$30.00} to do it. She said that was nuts, and she tried to do a warm hand off to another department where they could reverse the charge, but she did not take the payment from me because she thought it best if the other department took my payment, so they could make sure I wasnt charged. We sat on hold for another hour, then she suggested that I make the call myself, and she gave me the number, saying that it was a 24-hour number. NOPE, not 24 hours. 
I tried again to call the next day. I was on hold for 2 HOURS. Finally got through, to be put back on hold for an additional hour. I was told that it was fixed, and the payment went though my credit union, but did not post in a timely fashion. I was told that the reason for this was that I was late, so they had to wait for it to clear. I could see that the funds had left my Credit Union, and the CSR could see that the funds were indeed at US Bank. I was told that I could send a screen shot of my Credit Union account to an email address, which I did. I was told that to contest any entries to the bureaus I would have to send a letter in writing. The late fee was reversed ; however, I was still charged interest on an amount that should have been less if the website worked properly. 
Please consider this a formal request to have anything negative entered on my bureau reports removed immediately. I will pay off the card and be done with US Bank and any affiliates forever. 
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 2019-05-02
Company: EQUIFAX, INC.
State: IL
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 been sending letter to Equifax requesting the deletion of unauthorized inquiries. I have a fraud alert on my file that requires the merchant to contact me before performing a credit check. Equifax has violated my consumer protection right by allowing these unauthorized inquiries to be performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: OH
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 sent a Validation Of Debt letter to XXXX XXXX XXXX XXXX via certified mail ( copy of letter attached ). It was received on XX/XX/2021 ( proof of service attached ). As of today XX/XX/2021, XXXX XXXX XXXX XXXX has YET TO APPROPRIATELY RESPOND WITH ANY VALIDATION OF DEBT they are claiming, but are continuing to report to the credit bureaus & the bureaus, having been notified of this violation, are continuing to allow this non validated information to be reported. This is a violation of my rights per FCRA & FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
during the month of XX/XX/2019 I was employed at XXXX XXXX  on XXXX  XXXX I was given a XXXX XXXX or XXXX XXXX card which I pay roll was deposited onto.somehow I misplaced the card so I returned to work and explained the situation to my boss.he gave me a number to call inorder to receive a new card.now this is where I encountered problems.they would ask me my name along with a physical address and ssi number.then they would ask me when the money get deposited on to the account? I told them two depoists were made during the month of XX/XX/XXXX so why can't you look up my account to see what the amount was..and at point I would be a check was mailed on XX/XX/2019 please allow 10 business days inorder to receive the funds. the total amount is XXXX but as of XX/XX/2019 I haven't received a penny.

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 2020-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates has Reported 3 different dates of last activity on this debt in an attempt to re-age this account XXXX:XX/XX/XXXX XXXX:XX/XX/XXXX XXXX:XX/XX/XXXX There is also no date of last payment listed on this account and the original creditor does not state that this account has been sold or transferred. 

Portfolio Recovery Associates also has this debt listed under 2 different names/ Account numbers on my credit report. 
Portfolio Recovery Associates has pulled my credit report on numerous occasions in an attempt to further lower my credit score. 

There are also late payments on on this Collection account and Portfolio Recovery Associates has made it seem like Ive made payments towards this debt when I havent, the original balance was {$3200.00} now the balance is {$3200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: JPMORGAN CHASE & CO.
State: CT
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:
Check my credit report and seen a hard inquiry on XX/XX/XXXX that was never done by me from JPMCB XXXX I called on XX/XX/XXXX spoke to a XXXX she said it was for an Amazon prime account which I told her I have never applied to that and they should not be on my three credit bureau reports she advised me she would submit a report stating if this could come off my credit report I advised her that it should never be on my credit report at all as a hard inquiry as I never did this she said if she can do anything she will switch it to a soft inquiry instead of a hard inquiry but she cant guarantee anything as it is under my name I told her I am filing a report with your agency. As this has reported on my credit report and had a negative impact to my credit score as a hard inquire I want this off my credit report and I never applied to chase bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17
Company: EQUIFAX, 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 was needing to move out of my apartment complex due to bad maintenance. I applied at a new complex and I had to get my credit pulled to see if I could get into the apartment. During the discussion I learned that I was not able to get into the apartment due to some derogatory items that do not belong to me. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$2100.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX I paid off an existing Flagstar Bank loan and refinances with Flagstar.  Through the process they collected 2 months worth of homeowners insurance which would have paid me until XXXX and set me up with an escrow account. My insurance renewal was in XXXX. For reasons that they are unable to fully explain, and seems as though they do not want to take any blame on their part, they made a payment to my insurance company that did not go through. They never once tried to contact me to let me know there was any issues knowing that this forced me to have a lapse in insurance. The comfort of having an escrow account is that you know your taxes and insurance are paid. I received a notice from my insurance company in late XXXX confirming I was no longer covered. When I contacted Flagstar, they told me that I was supposed to authorize the payment once it was attempted in XXXX and returned. I confirmed I was never contacted regarding an authorization and they repeatedly told me that had I authorized this, it would have been paid. They refused to confirm why I was not contacted. When I asked that they immediately release the funds they confirmed that their insurance department was closed and they could not confirm if I had enough funds. When I told the manager I had access to my online account and asked if that was the same amount he told me he did not have that information and refused to put me on hold to confirm with another representative. It was n't until I told him that I would personally file a complaint against him if he did n't even attempt that he put me on hold and within 2 minutes was able to confirm the amount was the same. Due to this failure, I have had no insurance for over a month. Whats worse is the lack of cooperation when this mistake was discovered. They refused to acknowledge it was their mistake, refused to ask for help on basic information, and also refused to release the funds tonight. They are making me wait XXXX hours which means I am still unprotected. I am writing because this is an abuse of power on their end and I would like an investigation into this matter as someone needs to be held accountable for this major mistake.

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 2020-02-17
Company: EQUIFAX, INC.
State: CT
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 XXXX made an unauthorized " hard pull '' of my credit report on XX/XX/XXXX. Their address is as follows : XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. 

XXXX, under the name of XXXX XXXX XXXX XXXX, also made soft pull requests on XXXX XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These report request are evidence of credit card fraud by a third party or unauthorized use by XXXX and XXXX XXXX XXXX. 

Please remove the record of those four ( 4 ) pulls at the earliest possible date. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX, I am writing because Experian credit bureau, refusing to delete fraudulent items from my credit file. I have written them several times via certified letters, however I dont get a response in the allotted time, or Experian would tell me they cant verify my identity though I attached my state Drivers license and a copy of my social security card. Or XXXX will send a response accusing of me using a credit repair company, which is certainly not true.

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 2017-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
TODAY AT XXXX I LOGGED INTO THE ONLINE SYSTEM OF CAPITAL ONE TO MAKE PAYMENT FOR MY TWO CREDIT CARDS. AS I WAS ATTEMPTING TO PROCESS MY PAYMENT FOR ONE ACCOUNT IT GAVE ME THE PAYMENT DATE OF TOMORROW XXXXXXXXXX EVEN THOUGH I HAD UP UNTIL XXXX TO MAKE THE PAYMENT. 

I IMMEDIATELY CALLED UP CAPITAL ONE TO FIGURE OUT WHY THIS WAS HAPPENING AND SPOKE WITH XXXX WHO INFORMED ME THAT I WONT GET A LATE FEE BEING I MADE THE PAYMENT BEFORE XXXX. I ASKED TO TALK WITH SUPERVISOR AFTER THE REPRESENTATIVE INFORMED ME THAT I SHOULD CANCEL PAYMENT OF WHICH DID NOT SOUND CORRECT. 

I SPOKE WITH XXXX ACCOUNT SUPERVISOR WHO SAID SHE WANTED TO CANCEL PAYMENTS AND PROCESS THEM OVER THE PHONE AND I SAID NO BEING I WANTED THE BANK TO PROPERLY MODIFY THE PROBLEM. I ASKED TO TALK WITH AN ONLINE TECHS UPPORT PERSON WHO COULD DEAL WITH THIS MATTER BUT SHE DID NOT TRANSFER THE CALL TO ANYONE. SHE TOLD ME SHE CAN MODIFY THE DATE BUT SHE NEEDED MY PERMISSION AND STARTED READING A DISCLOSURE STATEMENT FOR WHICH I DECLINED BEING THE BANK WAS OBLIGATED TO MODIFY THE DATE TO THE XXXX BEING I LOGGED INTO MY ONLINE ACCOUNT BEFORE XXXX ON XXXX. SHE REFUSED TO GET HER MANAGER WHEN I ASKED FOR ONE. SHE FINALLY TRANSFERED CALL TO A TECH SUPPORT PERSON WHO WAS OUT OF THE USA AND I WOULD NOT TALK TO HER. SHE THEN TRANSFERED ME BACK TO XXXX ONLINE TECH SUPPORT DEPT IN THE USA. THIS REP. FOUND THE TIME THAT I LOGGED INTO MY ACCOUNT AT XXXX OF WHICH NOT CORRECT BEING I LOGGED INTO MY ACCOUNT WAY BEFORE THAT AND THEN CALLED CAPITAL ONE AT XXXX. THE TECH SUPPORT REP. WANTED ME TO SEND A PRINT OUT OF THE SNAP SHOT FROM MY CELL PHONE OF WHICH SHOWED THAT I ATTEMPTED TO MAKE MY PAYMENTS BEFORE XXXX TODAY AND THE PAYMENT POST DATE OF XXXX. I INFORMED HER I WAS GOING TO FILE A COMPLAINT WITH THIS AGENCY AND THEN I WAS GOING TO TAKE LEGAL ACTION AGAINST CAPITAL ONE FOR MODIFYING THE PAYMENT DATE. SHE THEN INFORMED ME THAT SHE HAD TO NOTIFY ANOTHER DEPT THAT I WAS GOING TO TAKE LEGAL ACTION AND THAT I MUST TALK TO THEM OF WHICH I DID NOT HAVE TO BEING I AM NOT OBLIGATED TO DO SO. SHE THEN TRANSFERED TO XXXX SENIOR ACCOUNT SUPERVISOR WHO INFORMED THAT I ASKED TO SPEAK WITH HIM BUT THAT WAS NOT TRUE. HE INFORMED ME THAT HE TOOK A SNAP SHOT OF THE SYSTEM SHOWING THE TIME I MADE PAYMENT AND WOULD GIVE IT TO THE PROPER DEPT TO FURTHER LOOK INTO THIS MATTER. HE ALSO INFORMED ME THAT HIS UNTI MANAGER XXXX WAS WELL AWARE OF THIS PROBLEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Experian Information Solutions Inc.
State: CT
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:
Check my credit report and seen a hard inquiry on XX/XX/XXXX that was never done by me from XXXX XXXX I called on XX/XX/XXXX spoke to a XXXX she said it was for an XXXX XXXX account which I told her I have never applied to that and they should not be on my three credit bureau reports she advised me she would submit a report stating if this could come off my credit report I advised her that it should never be on my credit report at all as a hard inquiry as I never did this she said if she can do anything she will switch it to a soft inquiry instead of a hard inquiry but she cant guarantee anything as it is under my name I told her I am filing a report with your agency. As this has reported on my credit report and had a negative impact to my credit score as a hard inquire I want this off my credit report and I never applied to chase bank

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 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 and i am filing this complaint against XXXX XXXX and XXXX credit report agencies who failed to investigate a late payment that was reported by XXXX XXXX in XXXX, with the account # XXXX under the FCRA XXXX is required to verify all information received from creditor before that information is added to a consumer file. but experian failed to do so on my case since XXXX and never sent me in writing a prove of that late payment from XXXX and still continue to list that false late payment. this morning i check online on my credit report and i saw that same late payment listed, i already sent them a letter in the begining of XXXX to remove this information by certify mail but XXXX refused to remove it. i called and requested to speak to a manager and got hung up several time ehrn i said i will file a complaint against them with CFPB. XXXX is using deceitful manner to run their business XXXX and transUnion did removed it after their received my letter. i called them to make sure it was deleted from my credit report and it was confirm by their representatives that it was done. at my biggest surprised they listed again because i told XXXX that representatives that XXXX  and XXXX removed that false information why they do not want to do the same. they are horrible companies that need to be closed down

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 2020-02-17
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 was needing to move out of my apartment complex due to bad maintenance. I applied at a new complex and I had to get my credit pulled to see if I could get into the apartment. During the discussion I learned that I was not able to get into the apartment due to some derogatory items that do not belong to me. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$2100.00} XXXX AR XXXX {$0.00} XXXX AR XXXX {$230.00}

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 2020-02-17
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively effecting my 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 non-monetary relief