BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I recently noticed my credit score from Transunion dropped by 14 points. My student loan balance dropped but that should not impact my score. Due to COVID19 I am taking advantage of the CARE Act emergency forbearance but this also should not impact my credit score per the act below : Section 3513 of the Stimulus Package : 19 ( d ) REPORTING TO CONSUMER REPORTING AGEN20 CIES.During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. 

I filed a dispute with Transunion and it appears my Lender XXXX has marked the account as in forbearance. However, per the CARE Act this should have no impact on my credit score. 

It appears other borrowers have had a similar experience and some credit bureaus are readjusting the scores.

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 2021-06-11
Company: EQUIFAX, INC.
State: OH
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 originally disputed hard inquiries on my consumer report and Equifax responded " Please be advised that inquiries are a factual record of file access. '' Equifax is in direct violation of multiple us codes including 15 usc 1681a ( e ). The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is ( obtained through personal interviews with neighbors, friends, or associates ) of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, ( such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer ) or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
( 15 usc 1681 ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 18 us code 1028A ) - ( aggravated identity theft ) Whoever during and in relation to any felony violation enumerated in subsection c knowingly transfers, possesses or uses with out lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 is harassing me for a debt XXXX dont owe. The credit bureau know my address and the address that security credit services and XXXX has is not mines. These people and the credit bureau are preforming illegal acts against me. I want all this information removed from my credit report immediately. They say I owe XXXX. Ive been ill for the past 3 years. I just been active for 8 months now. Theres no way I could have this account. I pay my bills. These people are fraud. I wrote the company to stop harrasing me. They are refusing and keep reporting false information on my credit report.

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 2017-10-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Hello I had purchased American Express Serve Cards - total of 4 cards ( one each for my daughter / wife / father-in-law and me ). When I tried to register these cards on our name we were denied stating some issue. We were told to spend the balance on the card and close it. However they charged {$4.00} on each card after 30 days as we were not able to use the balance by then. 

The issue - if the card would had been registered on our name we would not have had those charges as the terms mentioned the same. But due to the issue with the registration process we had to pay the fees. Also using around {$500.00} from each card was not possible in a month and hence we were lost around {$19.00} and requested American express serve prepaid card company to refund it. But they did n't do the same. Need help here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions 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:
XXXX- XXXX XXXX have attached the response from XXXX Experian needs to remove this XXXX from my credit report. attached is their response that states they don't own the account and I have attached the receipt that shows this account WAS PAID IN FULL TO THE CREDITOR WHO OWNS THE ACCOUNT WHICH IS NOT COMENITYCB/HSN BUT THEY ARE THE ONES REPORTING THE INACCURATE ACCOUNT TO EXPERIAN PLEASE XXXX NOT TELL ME YOU [ RE GOING TO CONTACT THE CREDITOR BECAUSE FOR MONTHS I GET THE SAME ILLEGAL E-OSCAR RESPONSE FROM EXPERIAN AND XXXX I HAVE ATTACHED LEGAL DOCUMENTS DIRECTLEY FROM THE CREDITOR REMOVE THIS ACCOUNT IMMEDIATELY I HAVE ATTACHED MY COMPLAINT FROM THE XXXX XXXX XXXX ALSO

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 2019-07-10
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX SS XXXX DOB XXXX. I have found several addresses on my credit file that are not mind, I have only one address that is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have had issues in the past with my ID being compromised do to fraudulent addresses appearing on my files.Please delete remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: VA
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've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, equifax, or XXXX ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX-XXXX XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX SS XXXX XXXX XXXX. I have found several addresses on my credit file that are not mind, I have only one address that is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have had issues in the past with my ID being compromised do to fraudulent addresses appearing on my files.Please delete remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2021-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I was approved for a Capital One Walmart Rewards credit card, which I have never received. Several weeks later, I called Customer Service to inquire about it, and was transferred to the fraud area, where they placed a restriction to my account and asked me for a copy of my driver 's license or a US state ID. I explained that I do not currently have a US ID because I am a non-US citizen, however I did send them a copy of my XXXX XXXX passport and my XXXX visas, both with attached photo. I also forwarded copies of my account statements that I have with other US banks with my US address, and the Certificate showing my valid ITIN number. By letter dated XX/XX/2021 they gave me XXXX days to send them these documents, otherwise they would proceed to close the account. I have another Capital One Bank credit card ( XXXX XXXX ), which I use normally with no delays in my payments. Therefore, I need my credit card to meet my family consumption needs, which was legally approved by the bank. Thank you in advance for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07
Company: ACS Education Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My student loans were bought by ACS Conduent and each time I contacted the servicer, they would steer me to forbearance. They didn't provide me with proper information regarding loan options which would be best suitable for me and gave me " the run around. '' They would often take extra time processing my paper work which kept me in forbearance longer. XXXX  XXXX   XXXX  XXXX  ( ACS ), XXXX. XXXX  XXXX, XXXX TX XXXX was my servicer from XXXX- XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have informed Bank of America on XX/XX/XXXX that I wish to close all accounts I hold jointly with my husband with their branch in XXXX FL ( XXXX XXXX ). Bank of America XXXX have replied on XXXX. XXXX, XXXX that the account can not be closed at this time because of pending transactions that havent been posted. 

There are no pending transactions anymore since XX/XX/XXXX as all recurring payments ( like subscriptions ) have been transferred to another bank. Therefore, there is no motive not to terminate the account. 

Bank of America continues to debit charges and have now requested a transfer of {$7200.00} to balance the account. 

I would appreciate if CFPB could help resolve this matter.

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 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
This letter is formal complaint that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission. 
The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile.

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 2017-10-03
Company: SUNRISE CREDIT SERVICES, INC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit and seen a collection debt from Sunrise Credit Service that was reported to my credit that is n't valid. Back in late XX/XX/XXXX early XX/XX/XXXX the amount being reported {$1500.00} was already taken care of with the previous collection agency and it was removed from my credit. Per FDCPA laws any collection item ( s ) that has been removed from ones credit can not be placed against credit again. This item is hurting my credit being that I am in the process of buying a home. This is causing emotional distress, and I am having to deal with the possibility of being denied on the closing of my home. The address that this company has on file is n't my address nor have I ever lived at the address. I am wanting to pursue further in filing a lawsuit, if we ca n't handle this situation the right way.

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 2021-06-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted by writing a dispute to XXXX  and Equifax. Equifax opened the investigation XX/XX/2021 and XXXX  opened the dispute XX/XX/2021. The investigation took longer then 30 days. As of XX/XX/2021 the dispute ares still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Experian Information Solutions Inc.
State: WA
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:
This letter is formal complaint that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date.

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission.

The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile.

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 2019-07-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
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:
On XX/XX/19 I tried pplied for a loan and was advised by the company that I applied with that they were going to have to rescind the offer based on the fact that mortgage was is reflected as two monts past due on my transunion credit report. I called the mortggage company and was not offered any help or a solution to remove the information and the adverse result on my application decsion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX PH : XXXX {$1000.00} and their collection agency Credit Management PH : XXXX {$1100.00} Account : XXXX. This Account was originally closed with the company on XX/XX/XXXX and was paid in full at that time as this phone was not mine and the original owner of the phone had not paid the bill and I shut the services down put a block on my account for them to no longer have access. The bill had been paid in full and suspended. The original start date of the account was XX/XX/XXXX and closed on XX/XX/XXXX. The company continue to charge for services after this date the account was cancelled. They also sent it into a collection agency who has now reported a outstanding amount to all three agencies as well. This is not fair and it is damaging my credit. Please look into this matter and have it corrected please. Your help with this situation would gladly be appreciated. This is not fair to damage my credit like this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/19 I tried pplied for a loan and was advised by the company that I applied with that they were going to have to rescind the offer based on the fact that mortgage was is reflected as two monts past due on my transunion credit report. I called the mortggage company and was not offered any help or a solution to remove the information and the adverse result on my application decsion.

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 2018-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This is not an issue with closing an account, per se, but the form didn't have a more applicable option. 

In XX/XX/XXXX, I submitted a complaint with the CFPB ( case number XXXX ) because Bank of America was emailing me with information about another customer 's bank accounts. Over a year later, and after numerous direct complaints, they continue sending me emails about that customer 's bank accounts. My name is XXXX XXXX, and I regularly get emails addressed to XXXX. In the most recent email sent on XX/XX/XXXX, I see that XXXX recently had a customer service call with XXXX at Bank of America.

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