BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
On XX/XX/XXXX I had a fraudulent claim happen and had about XXXX dollars taken from me. Like anyone would, I filed a claim with BOFA thinking everything would be solved in 45 days. Praying for less of course. Then the following pay day on XX/XX/XXXX. No money in my account and my account was closed. I havent been able to get access for 3 payments now and Im a single mother of twins!! I now have a lot of late fees with a canceled car insurance and overlap in my insurance. 
I am disgusted with the process and the fact that XXXX is waiting for BOFA so I can receive my funds! My account has been open since XX/XX/XXXX they said. Please someone help me. My phone number is XXXX. 
Name is XXXX XXXX. Im about to be in far more debt than I already am and no one is helping! Email address is XXXX Also, not only do I have my stolen funds taken now I cant even get access to my current funds!!! How is this even legal?? This is sickening to 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 monetary relief
Consumer complaint received 2019-07-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am not responsible for paying the accounts..I do not owe this debt nor the accounts UNKNOWN XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX , XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX.. I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 accordance with the Fair Credit Reporting act the following accounts has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

Please remove these fraudulent accounts.

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 2023-02-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-06
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Im not sure the date but I do my contract from Us Auto Sales. Im a victim of this as well Ive saw all the news about this and wanted to know my opinion as a consumer customer. My account was transferred over to a company called west lake and when I tell you RUDE NASTY and very DISRESPECTFUL I knew nothing about them until last month they called saying I owe money and if I dont pay my car will be towed and they are reporting everything to the credit bureau . Ive had my car not going on 3 years and I still owe {$17000.00} plus on this loan I was a victim of being overcharged car cut off etc. From my understanding US Auto Sales filed bankruptcy and we wasnt notify or anything. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2023-10-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received an American Express Gift Card as a gift. The amount is {$500.00}. I am able to login to the card 's website and check the balance. I am unable to use the card anywhere! I have tried online stores, and brick and mortar stores, and NO ONE will accept it. The card does not allow you to register an address, and hence when the transaction is placed, the merchant 's system is unable to verify the card against an address. 


I called their customer support and asked for a list of merchants that accept the card. They said they don't have a list, and they are unable to help any further. On the back of the card it states, " Use at U.S. merchants that accept American Express Cards. '' This is clearly untrue because all the locations mentioned here accepted American Express credit cards. 

This is a HUGE problem. This product should not be sold to anyone. In an age of credit card chips, this type of gift card does not have enough security built in, and no merchant is going to accept it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-30
Company: EQUIFAX, INC.
State: NC
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 AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
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: Reporting company used your report improperly

Complaint:
In accordance wit the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. 

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 XXXXXXXX 15 USC 1681, Section 602A, states I have the right to privacy.

15 USC 1681, Section 604A, Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681C ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-03-14
Company: Consumer Adjustment Company Incorporated
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on your credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Fidelity Direct Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
While looking for homes I found what I believe was a perfect match for my family I put in a contract on the home based on what my lender at fidelity mortgage told me I could afford. My contract was accepted at XXXX. Then I was told to do inspection which costed me XXXX $ and later that same day was told I needed to pay for appraisal which was XXXX XXXX The seller now agreed to give me 6 % sellers help which at that time made me not able to get the grant help that I was receiving and I had to bring more money to the table but the deal was sealed. The day before I was scheduled to close on the property my realtor was sent preliminary atla and the figures where incorrect at that time I reached out to my lender and he assured me that was an error and it wont affect my closing for the next day. Boy was that furthest from the truth not only did he lie but now Im over the threshold for purchasing but he should have never approved me for that amount the deal was stopped in its tracks. Now Im out XXXX $ base on lies. Im stuck on a month to month lease paying XXXX $ base off of lies. The hardship that I endured from this mortgage company no one deserves please what can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
so i filed for disput on fraud that cause the scammer was impostering as a doctor now on XX/XX/XXXX I talked to my case manager about this dispute for over an hour in detail. i asked if he wanted the emails an dhe said no on XX/XX/XXXX I received a email saying regarding the claim mentioned above on XX/XX/XXXX a case processor you spoke with agreed to a extension. i called us bank to have my case manager call em. the next morningthe case manager called me and I asked did we ever talk about a extension and he said no, I asked is there any not of a extension he said no and then I asked do you know anything about a letter of a extension and he said no. then I asked what exactly do you kneed information wise and he said just dates and ia sked do u want the email and he said so around XXXX I called back fought for XXXX min trying to give the dates. 
XXXX XXXX I received a letter sayinwe requested additional information from you concerning your dispute unfortantley we have received a response to our request. there for you claim is denied I called the card member service department and they are avoiding the subject cause these leters are false document then ic called the police and they told me to contact the beru

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 2022-05-23
Company: DISCOVER BANK
State: MD
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:
On XX/XX/22, I received an email from Discover Card Services that they had closed my account due to not being able to verify private information. When I reached out to the customer service associate, explaining that I have had this card since I was a college student and received no notice from them regarding the need to verify information, they remained firm that they were closing my account and could do so accordingly. Had I been told that I needed to verify information, and what information, I would have provided it accordingly. They are wrongfully providing harm to my credit report by closing an account with an active balance to my card. I loved being a loyal Discover Card customer, used my card frequently, but now they want me to reapply to reopen my account. I do not want to do that. I want my old card/account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Experian Information Solutions Inc.
State: FL
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 ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$4500.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and should be reporting a {$0.00} balance. I have attached a copy of the Note Balance History for your reference. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this 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 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
All these inquiries are fraudulent. 

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Tran Union have not removed XXXXXXXX XXXX XXXX account from my credit report after i sended the account pay history showing the first miss payment was in XXXX, past the 7 year since the first missed payment. XXXX XXXX XXXX have charge this account off in XXXX, but still showing this account is opened on my credit file with is hurting my credit and Tran Union say the company have to change it not them account number ending 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 2021-11-04
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Why you are taking this unreasonable poisition re my account is a mystery to me. I have an excellent payment history prior to the pandemic. Why don't you take this into account? 
Again for the record you are not responding to the main issue. I was never told that closing my account was a permanent thing and that it could not be reopened once the account was brought current. 
As I noted in my last complaint, there is also no mention of this detail in all your fine print account information. You failed to address this glaring fact. 

I have had this same " closed account issue '' issue wsth other credit card companies and they have allowed the account to be reopened because I made a best good faith effort to bring my accounts current in a very challenging economic time. 

So your company decision not to return my best good faith efforts is heavy handed and a bad faith personal choice that does not respond to a best fatih effort to open my account. 

This needs to be highlighted to the credit community as a whole. 

Your second decison to not provide a new account because of economic criteria caused by the pandemic, which was your only option to reopen my account provided, shows equal usury and contemptious behavior on your part. 

So I am formally informing you that I am unable to make my monthly minimum payments and you will have to enroll me in a payment plan that allows me to make minimu payments of {$35.00}. 

If you choose not to enroll me in a payment plan and demand continued minimum monthly payments and follow up with any type of harassment charge off credit reporting or collection actions. The economic consequences will be dire! 

I am also doing the initial research for filing a small claims action againt FNBO in CA for unfair business practices, usury behavior and economic damages. 

This can all be avoided my simply doing the right thing. So I emplore you, Do The Right Thing!

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 2023-07-30
Company: EQUIFAX, INC.
State: KY
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:
Last year XXXX  my mortgage company XXXX XXXX offered homeowners who were struggling with the Covid 19 pandemic a forbearance plan for their mortgage payments. Mine was put into that. My mortgage payments are not 9 payments behind they are current and up to date. I am Not behind on any payments. Ive already spoken with them about this issue and they informed me to dispute the claim as this was not supposed to be reported to the credit bureau as any form of missing payments. This has tremendously impacted my credit score. I would like this matter resolved as quickly as possible.I have already disputed the claim but it did not get resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
After paying off ( not closing ) a  credit card, my credit score dropped XXXX points. I got a low interest loan to payoff this high interest credit card. Once the loan was reported my credit went up XXXX points but as soon as I paid off the credit card, my credit dropped XXXX points. This credit scoring doesn't make any common sense. The credit bureau will not give you an explanation, they claim that they are not allowed by law. So they can affect my credit negatively and they don't have to explain why? where are the consumers rights? The way it looks is that the credits reporting is geared to the financial institutions benefits not the consumer. If I pay off a credit card, that is good for the consumer but bad for the financial institution, this needs to change. The credit bureaus are so arrogant because they know they have a monopoly.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: PA
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 is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud

Company response to consumer: Closed with non-monetary relief