BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX  ; XXXX and Transunion are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact these accounts are in dispute. The accounts are as follows : 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 and PUBLIC RECORDS accounts. Every single one of these line items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.

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 2018-06-05
Company: EQUIFAX, 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:
The company has responded that it is still working on your issue and my credit score dropPed 70 points cause i reported this to CFBP?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: NH
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 affected by the Tornado that struck my place of employment ( XXXX ), which resulted in financial hardship and caused late payments. XXXX XXXX XXXX Please remove these late payments from my account due to natural disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a 1st mortgage with XXXX XXXX. The loan investor is XXXX XXXX. I have a 2nd mortgage with Navy Federal Credit Union. 

XXXX XXXX will only allow a total payment to Navy Federal Credit Union of $ XXXX as part of the short sale and Navy Fed is refusing to consider this amount. Navy Fed is demanding $ XXXX. 

I simply want this escalated to a department that can possibly override the collection dept. of Navy Fed to see if someone can reconsider the $ XXXX offer from XXXX XXXX and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX 2017 US Bank without notice closed my account and froze my funds.

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 2017-10-14
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
After receiving numerous solicitations from American Express to re-open my Platinum Delta Skymiles credit card, I finally decided to submit an application so I could receive the offer they were promoting. This offer was for XXXX delta miles and XXXX XXXX if I spent a minimum amount within the first 4 months ( as well as a {$100.00} stmt credit ). I called to confirm the offer and was told that I qualified since I had n't had this card in the last 12 months ( I had one previously but it had been 3+ yrs ). 

I met the qualified spend in the XXXX timeframe. It seemed to be taking a while to receive my points so I called to ask where they were. I was informed it takes a couple months so call back later. Since then I have called a few more times. They kept telling me to be patient and they would be posting any day now. 

On XXXX XXXX, XXXX ( today ), I called and was informed I have not received my points because I do not qualify for them. In addition to being misled by the marketing material I received, I was misinformed by all of the Amex CSRs. I was also charged the {$190.00} annual fee and have essentially received nothing for this when promised an intro offer. 

I escalated this complaint to 3 levels of managers at Amex and the only goodwill gesture they could make was XXXX miles which is insulting. I have hurt by credit score by opening another card and paid an annual fee and they can do nothing for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 did not sign or authorize these transaction please delete

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 2022-08-14
Company: Experian Information Solutions Inc.
State: NH
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 affected by the Tornado that struck my place of employment ( XXXX ), which resulted in financial hardship and caused late payments. XXXX : XXXX Please remove these late payments from my account due to natural disaster.

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 2018-01-23
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
Requestor ( myself ) : XXXX XXXX Contact : XXXX Phone : XXXX Account # : XXXX Business : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX On XXXX '2016, XXXX XXXX XXXX reported to the credit bureaus that I was 30 days late on car note payment. All car note payments were made on or before the due date. 

After investigating this matter with XXXX XXXX XXXX, they stated that the late reporting was due to fact that they were unable to verify my car insurance coverage and expected me to pay an extra {$1500.00} per month while they obtain validation. XXXX XXXX XXXX eventually received events that that my car insurance had never lapse but they refuse to remove the 30 days late payment and fees from my credit report. I paid the fees to avoid anymore negative reporting on my credit report. I 've tried to working with several levels authority within XXXX XXXX XXXX and they refused to update my credit report. I 've also contacted the credit bureaus for assistance with getting this negative mark ( 30 days late ) removed but no success. 

If you can kindly assist with this matter, it would be greatly appreciated. 

Best regards, 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 2018-01-16
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: Account information incorrect

Complaint:
Experian is the only credit report that still shows XXXX on it was suppose to be deleted from all tree credit reports was deleted from XX/XX/XXXX and XXXX XX/XX/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 2021-09-09
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX we received a letter saying our CD would mature on XX/XX/XXXX. My husband and I both signed the letter saying to redeem the CD and send funds ASAP. On XX/XX/XXXX I check my XXXX XXXX account where I had purchased the CD and it has been removed, so we assumed dollars were on the way. XXXX XXXX had sold out to US Bank. XX/XX/XXXX I contacted US bank and was told that was not the correct way to redeem but they ( XXXX ) would take care of it and rush it through. XX/XX/XXXX still no check so I called back to US and talk to XXXX who said he would rush it through. On XXXX we contacted my XXXX agent for help and received a call from XXXX, VP at US, saying how sorry she was but was not sure what went wrong. She had no authority to help or even see the records??? On XXXX received a call from US, XXXX saying check was on it way. Each person I requested to go to a US office to get my money and was refused. I ask for the check to be overnighted and was refused. I got upset and said I should receive interest for the time I dont have my money. Said no they could not do that. Today XXXX mail just ran and still no check. Please help. XXXX and 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 2019-02-15
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
I had a repossession in 2017 and it was reported as a repossession but then a voluntary surrender and then a write off or charge off and the account was paid in full. It is reported differently on all three credit reports. That has stopped me from getting approved for things that involve my credit. I want this removed immediately as that is a misuse of reporting 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 explanation
Consumer complaint received 2021-09-05
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was recently in the hospital for major XXXX on my XXXX  a year ago. I just now have got back to work. I discovered that my credit file has over 72 inquires for transactions that were never authorized by me. I have only ALLY FINANCIAL as my only business dealings. I would never run my credit 72 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : 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. I have some issues also with unrecognized addresses on my credit file Please delete the following addresses : XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX  XXXX, OH XXXX I would like a full copy of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: TOYOTA MOTOR CREDIT 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:
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: NC
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-09-09
Company: Kriya Capital, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am bringing to credence attention of the violation they committed under the fair debt collection practices act. Attach to this complaint you will find an Unsworn Declaration of Truth, a Cease and Desist with the demands of I, the consumer, and exhibits as proof of Credence Resource Management violations against I, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recover of XXXX, VA keeps calling my cell phone XXXX XXXX XXXX repeatedly and they should not be contacted my cell phone to collect a debt. They do not leave a message and call from various phone numbers with different area codes. I would like this practice to cease at the earliest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: Southwest Credit Systems, L.P.
State: NC
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 received a letter from Southwest Credit on XX/XX/XXXX about a collection account Ive never heard of. I sent them a debt validation letter on XX/XX/XXXX disputing the debt and requesting validation. On XX/XX/XXXX I got a notification that they added a collection account to my XXXX credit report. By law Im given thirty days to respond to dispute the debt and I was well within the thirty day response period. I NEVER received any type of debt validation letter from them as a response yet they placed this fraudulent account on my credit report. Not to mention if the letter was dated XX/XX/XXXX by law they cant place anything on my credit reports BEFORE XX/XX/XXXX. Yet they placed this collection account on my credit reports on XX/XX/XXXX WITHOUT responding to my request for validation which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Not my Loan ' do n't know the person!

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 2022-08-14
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Key bank will get you with an overdraft fee at every turn. Even if I deposit money the same day the account is overdrawn I am still getting charged a fee of XXXX Which has gone up XXXX dollars and XXXX cents in the past year from {$35.00}. They say it is not possible to stop the account from overdrawing which is completely unreasonable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Disputing Charges with XXXX XXXX originally date XX/XX/XXXX To whom it may concern, It appears this not a typical product/purchase/merchandise dispute case. Even though Ive discussed this with multiple Cap1 representatives Ill go through it again. 
This is a case of Computer hacking and scamming. My computer on the XX/XX/XXXX was hacked and was provided information that if I dont follow these procedures to regain a properly working computer I was in trouble. With the hopes that it would not happen again I fell for this scam, costing initially XXXX for a 5 yr contract. 
I did fall for this scam and quickly spoke to some technology friends and colleagues and I realized my error. 
I immediately decided to cancel my previous credit card xxxx xxxx xxxx XXXX to avoid the charge and decided to not have any further communication with them. 
Capital One did provide requesting service of cancelling this purchase. At this point I think the issue is over. But on XX/XX/XXXX the charge of XXXX from my cancelled credit card surfaces again on my new card account. ( This I find very disturbing in ref the Cap1 policy of charges?? ) So I reviewed this case for a second time and with a Cap1 representative ( XXXX ) on the phone we contact XXXX and speak to XXXX who states that they are no longer charging me for this and case is closed. 
I do thank Capital One for their support and hope this letter provides you finally with enough information to put this dispute case to an end. 
Ive included a few other documents pertaining to my case that I hope will be helpful. 
Most recently besides filing a police report I receive calls from an outfit called XXXX XXXX  XXXX stating that XXXX is going out of business and would provide me a contract closure letter but only if I give them control of my computer again which I denied and was told they will not provide me with a document. 
After sharing all this with Cap1 they still state they require a second opinion on my case and at this point they can do nothing further about it do to time frame limitations. 
And at this point the charge continues to be on my credit card account. 
Please, Please help me put an end to this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
at work XX/XX/XXXX in XXXX washington at # # # # when a fraudulent charge of {$1000.00} was conducted on my credit card charged at XXXX  store # XXXX XXXX XXXX  NY. 
i filed a fraud claim with my bank when i got home and found the charge. 
the bank credited my money back and told me they will handle it. 
saturday the XXXX of XX/XX/XXXX the charge was reversed. 
i called on monday ( they aren't open on weekends ) and discussed the disputed charge and was told it was legitamate. ( its not ). that my card was used in a machine and the pin number was entered. 
BOA refused to fix the problem even though i told them how a XXXX search showed this as suspicous activty on multiple other peoples credit cards. i explained that i live in washington and have never been to NY nor did i authorise this transaction or give my card info to anyone else to authorise the transaction. they still refused. 
i even went as far as to ask them to reemburse my account and file a FDIC insurance claim with the federal government and give the info to the police department so they can catch the thief. again they refused.

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