BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Loan taken online XX/XX/2017. Began making bi weekly payments. I requested a lower interest rate as the rate they were charging was 36 % roughly. They refused to work with me. I began working with XXXX XXXX XXXX who negotiated a lower payment. When I began making the agreed upon payment XXXX XXXX or XXXX  XXXX began reporting me late with a large past due balance. I was told by XXXX XXXX i had to pay an XXXX dollar past due amount in order to make the account current. I paid that amount ... it was all applied to interest and they still reported me 90 days late ... .I have now paid them in full so the account will be closed and they are still reporting a balance owed.

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 2019-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
My credit monitoring service alerted me that Bank of America pulled my XXXX   credit report on XXXX XXXX, 2019 twice. I believe these two inquiries belong to someone else because I did not apply for any account with Bank of America in XXXX 2019. 
On XXXX XXXX and XXXX XXXX, I called BoA credit card application status. They could not locate any application with my social security number. And they can not help with removing the wrong credit inquiries. 
I also called XXXX  to request an investigation and remove the wrong inquiries, but it was unsuccessful because they required a statement from BoA to request the removal of the inquiries. 
At the moment, it is difficult to contact BoA for 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 2023-06-25
Company: Prosper Marketplace, Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I called and wrote Prosper to revoke my ach payment authorization abs they OK it but the ach payment continued. I filed XXXX  XXXX bankruptcy on XX/XX/22 and the clerk verified that they were notified and the ach withdrawals continued and XXXX  XXXX XXXX not Prosper could stop the ach payments

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 2022-01-06
Company: Experian Information Solutions Inc.
State: NJ
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 non-monetary relief
Consumer complaint received 2019-11-08
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I purchased two items at XXXX. 1st one was under 12 month promo no interest in XXXX, the second was not on promo in XXXX. 
I purchased the second item in XXXX and made a full payment to pay it off. The first statement in XXXX showed that I paid off second item. I then see on the next statement i XXXX that they applied my payment to be split between no interest promo item and the second item I purchased and now I am incurring interest charges. I reached out to customer service via email and they explained a process in which they split payments even on promos and it was very confusing and didn't make sense to me as I understand that payments are to be allocated to the account that has highest interest first. I asked them to correct the error and they sent the same guidelines with no resolution to the problem. I sent another email requiring them to reallocate the payment and they declined. 
Please see attached emails and statements showing the balances and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I am filing a complaint about my checking account with TDBank, a bank in which I have been a customer for over 30 years. 
On XX/XX/2021 my phone was hacked and two XXXX transactions were sent from my account to an unknown person. 
I immediately filed a complaint with the bank ( in person ) and was made to change my checking account # and that the claim would be denied due to it being authorized by my phone. My phone was hacked that is why. 
Since that time I have called the bank and sent them a letter of complain which I will copy here and every time I am given the answer that that claim was denied because I authorized it from my phone. I have followed up with a representative at a branch in XXXX who was very helpful and filed the complaint 2 more times with the same result. I Obtained a police report to prove that the money was sent to nobody I knew. 
I am attaching the letter I sent to the bank 2 months ago with all the pertinent details. 
See attachment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Due to some uncontrollable circumstances, I had some late payments with this company. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this account has been switched, it is still showing 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 2020-12-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing because I do not recognize certain items on my credit report. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them.

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 2023-03-10
Company: AMERICAN EXPRESS COMPANY
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 according with the Fair Credit Reporting Act, AMEX # XXXX has violated my rights. 

15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies.

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A consumer may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: GA
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: EQUIFAX, 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:
I contacted both Equifax and XXXX in XX/XX/2018 to explain that Im a victim of identity theft. They continue to report this fraudulent information on my credit file despite my numerous attempts to have this issue resolved. On XX/XX/2018 i received a letter from XXXX stating that these fraudulent accounts are mine. Again, they are not mine they are fraudulent. I have not opened these accounts and i didnt authorize the opening of these accounts. I would like both Equifax and XXXX to provide proof which supports their claim that these accounts are mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14
Company: DISCOVER BANK
State: SC
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:
Discover card amount {$7000.00} I was authorized user of my ex wife account and I called and had it removed but the balance is showing under my credit report but its not in my name or social they told me to contact XXXX to have it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: CA
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:
There are still multiple accounts on my report that are not mine and should not even be reporting. They haven't removed them even though they do not even belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have written to XXXX XXXX two times and called them asking them to close my account yet they continue to send me bills adding in penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: EQUIFAX, INC.
State: MI
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:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XX/XX/XXXX - Applied online ONCE for Barclay Card/XXXX XXXX XXXX card ; immediate approval shown online for {$20000.00} Limit ; there was no time out or multiple submission XX/XX/XXXX - SIX separate mailings arrived with SIX separate card numbers and welcome packets XX/XX/XXXX - Two calls to Barclay ; both associates stated they had never seen this situation, authorization to speak with my wife ; left vmail with reference number XX/XX/XXXX - Called Barclay back ; numerous associates could not assist initially with issue ; explained primary concern is that this will impact Credit Bureau Reporting and requesting in writing the resolution - one unhelpful associate even said they do n't report to Credit Bureau and I had to say that could not be accurate. Finally another associate stated all other cards were closed except the one card ending in XXXX ; made one purchase online to satisfy promotional requirement of one purchase to obtain the XXXX XXXX XXXX miles promotion XX/XX/XXXX - Received SIX welcome emails between XXXX and XXXX ; the FIVE other cards could not have been closed. 

Attached : picture of all SIX welcome packets and cards as well as screen shots of the SIX welcome emails ( two days after told other FIVE cards were closed )

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 2023-02-14
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to a car dealership and applied for a car. I was told my credit was only being pulled by one dealership. However, there are 13 inquiries I do not recognize and I did not give permission to any of these companies to pull my consumer report. There are also credit card inquiries I do not recognize because I never applied to any of the companies listed below. According to the Fair Credit Reporting Act, hard inquiries that were pulled without my request MUST be removed from my consumer report. Please have these unauthorized inquiries removed immediately, as it is harming my ability to obtain new credit. I would appreciate a copy of my consumer report once this issue is resolved. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the XXXX XXXX XXXX XXXX listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Accounts on credit reports are incorrect in balance and was not authorized to share. The following accounts are : XXXX XXXX  acct # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Experian Information Solutions Inc.
State: SC
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:
Dish network is reporting on my credit under a collection agency XXXX. I have never had XXXX XXXX and this needs to be removed immediately.

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 2023-05-22
Company: Experian Information Solutions Inc.
State: TX
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 TX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-06
Company: M&T BANK CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have had a mortgage refinancing with M & T bank since 2012, FHA streamline mortgage. 
This bank has consistently increased my mortgage payments despite the fact I paid escrow shortage every time. They are essentially committing fraud and preventing me from paying off my mortgage sooner by increasing the amount per month annually despite the escrow shortage being paid. 
I have asked them to resolve this issue to no avail and even asked to pay escrow separate and they refused because they will lose out on the interest. 

I have lost a lot of money with this banks business practices and need them to be investigated.

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