BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
Company: CORELOGIC INC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit report shows 3 inquiries from the same mortgage company " CREDCO XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX '' XXXX within 30 days. All 3 are being reported as inquiries which reflects on my credit score. Why they continued with the inquires multiple times is unknown. But would like the inquiry be limited to one. Not 3 in a months time. I realize it seems minor, but working hard to keep my credit up. And this isn't helping. Thankyou for your time and patience.

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 2018-01-06
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Aargon collection regarding an account that is not mine I have several times and they do n't respond with accurate time, also they never showed me proof of the account with any validation o requested copy of Identification, signed contract and any other forms. I received an email after I disputed the account which I do n't feel it 's save on the web. The company just ignored my request.

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 2021-05-13
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony Bank is the issuer of several credit cards of mine, and this is the second time I've filed a complaint about this. They are illegally changing account statements to electronic, and only notifying me by email that I won't get paper bills anymore. I've ALWAYS gotten paper bills, and I don't regularly check my email. I also don't usually believe emails are from the actual companies, because of all the scams. NOTHING was done to Synchrony the last time, as I had also called them and let them know that NONE of my accounts were EVER to be changed to paperless. I also told them it wasn't legal for them to change my accounts to paperless and send me an email telling me if I wanted to go back to paper, I needed to contact them. 
They are being devious, and flaunting their ability to XXXX with people 's accounts without liability. Synchrony trashed my credit score in XXXX 2020 by slashing my credit limits for NO reason so I was maxed out on all cards 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 2021-11-10
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:
This is my second time pulling my credit report and I still noticed 2 fraudulent accounts on my report that i have absolutely no knowledge of. I have never done business with XXXX or XXXX. Again, I contacted XXXX, XXXX and Equifax they requested an FTC report. I have never done business with these company. I am a victim of identity theft. I have attached a copy of my social and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Today is XX/XX/XXXX on XX/XX/XXXX I tried to use my cash app card at a gas station and it was declined however {$71.00} was taken off my card. I contacted support about this and they told me to file a dispute after filing 3 different disputes with evidence that I did not receive fuel and emails with the gas station saying they did not have my funds I was denied by cash app for a refund just losing out on that money. So in short words don't trust cash app they will steal your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter the first week of XXXX indicating that I had a {$2400.00} shortfall on my mortgage. This money had to be received by XX/XX/XXXX or my mortgage would increase. After being on hold and transferred 2 1/2 hours, I explained that I needed to maintain my current mortgage to maintain my home and I was prepared to send in the shortfall and an extra amount and would have it paid by XX/XX/XXXX. Prior to finally speaking to someone, I asked if someone could called me and was told they dont make outside calls. After getting absolutely no cooperation, I mailed in a check for {$3000.00} and it was deducted from my checking account on XX/XX/XXXX. I received a letter dated XX/XX/XXXX indicating that my mortgage will be increased to {$1700.00}. How was my mortgage increased, prior to the date it was due? I previously emailed them in an attempt to discuss this issue, but received no reply and they dont make outside calls. What company makes no outside calls to their customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX Fraud Victim Assistance Department XXXX XXXXXXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
EXPERIAN XXXX XXXX XXXXXXXX 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 Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

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 2022-04-02
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Around XXXX my TransUnion FICO score dropped XXXX points from XXXX to XXXX. The reason given was lack of a non-mortgage loan ( I saved and bought my house, and cars, with cash to avoid interest, and have no need for a loan right now ). I heavily use 5 credit cards, some over XXXX, paying each multiple times per month, and never once in all these years carried a balance forward to the next month. They know this, but somehow, to TransUnion, multiple varying accounts paid multiple times per month is nothing compared to dealing with a single, fixed rate, unchanging, single monthly payment on a loan amount my monthly credit card balances alone would easily exceed, to the extent of suddenly docking my credit score XXXX points. Accordingly, I am led to believe that TransUnion may be gaming the FICO system for the benefit of itself and their bank clients by attacking the credit ratings of banking 's safest customers in an attempt to edge such customers into a safe and profitable loan product for their bank clients. I bring this suspicion to your attention, and that is all. Thank 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 2022-01-05
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: NCB Management Services Inc.
State: NY
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:
NCB MANAGMENT SERVICES XXXX XXXX XXXX XXXX PA XXXX My Account was closed by XXXX XXXX XXXX XXXX then reopened with NCB management, My payment history is incorrect, therefore damaging my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
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: Investigation took more than 30 days

Complaint:
I've sent disputes to Equifax regarding 6 inaccurate accounts on my credit report. I sent two letter on XX/XX/2021 and XX/XX/2021. I have not received any results in the time allowed. Below are the accounts I asked Equifax to delete from my credit report for inaccuracies : 1. XXXX, Account Number : XXXX 2. XXXX XXXX, Account Number : XXXX 3. XXXX, Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX 5. XXXX XXXX, Account Number : XXXX 6. XXXX, Account Number : XXXX 7. XXXX Bank, Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions 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:
These accounts are not mine nor did I authorize these companies to run my credit. Please remove 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 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX

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 2017-10-25
Company: ID Analytics, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I applied for XXXX XXXX credit card which is issued by XXXX XXXX. I was denied for the credit card and I got a response letter on the mail. When i opened the letter i noticed on the bottom of the letter said that as of XX/XX/XXXX my credit score was XXXX. I was in chock, because i knew my credit score was n't that low. I knew my credit was around the XXXX. So I checked my credit scored and based on XXXX  information as of XX/XX/XXXX my credit score was XXXX. The reporting agency is XXXX XXXX XXXX. That was the reporting agency that XXXX XXXX  used to get my credit score.  XXXX XXXX. Provided false untrue and damaging information regarding my credit score, which lead the bank into an inaccurate decision. What they are doing is proving banks with false information, leading banks to inaccurate decisions. which is illegal.

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 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX TransUnion Fraud Victim Assistance Department XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

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 2021-05-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or missing disclosures

Complaint:
I was an account holder with HSBC bank. In XXXX this year, on advice of my customer relationship manager with the bank, I opened a Global Money account that allowed me to transfer USD into XXXX. 

I expressly stated that I will need to wire the XXXX amount to my father at a later date, and she confirmed that will be possible. In XXXX, I have tried to do so, only to be told money can be transferred only to an HSBC account in another country. Otherwise I need to reconvert the money into USD, transfer it back to the normal HSBC account and then transfer into XXXX. 

Therefore, XXXX wanted to charge me triple conversion rate for a simple procedure. 
I refused, stating that I have the promise in writing, and the bank manager escalated my claim - unfortunately HSBC decided that there is no fault of theirs. 


Thee fees incurred were substantial, based on the extra conversion fee XXXX XXXX accounts charge : a difference of {$4600.00}, or 2.8 % of the principal - During that time, EUR lost 0.8 %. Therefore, I lost 2 % on the bank fees ( {$3300.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a XXXX balance on my XXXX XXXX  store credit card provided by Community Bank. Knowing I hadn't spent anything, I didn't make payments in the subsequent months. 

It turns out, on XX/XX/2022 they charged me a {$1.00} minimum interest fee which they apparently do when you have a XXXX balance. And when I didn't log in to pay the fee I had no knowledge of, on XX/XX/2022 they charged me a {$12.00} late fee. 

I continued to not know these charges were happening, until I ran my credit report just now and it's dropped by over 200 points because this is now a {$13.00} non payment mark on my credit report. 

Having not paid the {$13.00}, I was then charged a {$26.00} late fee on XX/XX/2022. 
This practice is ludicrous and predatory- for what other reason than to trigger late fees/additional profit for Comenity would they do this? This is now going to significantly impact my ability to buy a home.

Company response to consumer: Closed with monetary relief