BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I " am filing this report due to the numbers of errors on my credit report. I have accounts that were opened without my knowledge, or consent. Also, there are just plain out errors listed on my report. I found out that I have rights under 15 USC 1681 Transunion, XXXX, and XXXX has allowed these creditors to violate me numerous of times. I demand these accounts be deleted, according to 15 USC 1681 I have a right to privacy and I did give permission for these accounts to be furnished. I did not sign any contracts, nor documentation to open these accounts. These accounts listed here should be deleted XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX,. All of these accounts were opened without my should not have been reported. These hard inquiries were not authorized to be ran by any of these institutions, None of these in quiries are attached to an account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: Equinox Home Financing, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Equinox Home Financing Inc. continues to practice predatory lending against vulnerable veterans in order to lure them into a VA loan that doesn't serve the customer but the business itself. Despite of requesting a removal from their mailing list, I continue to receive " No out of pocket expenses ; Minimum score of XXXX '' mails which contents do not back up their claim nor endorsed by Department of Veterans Affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: DISCOVER BANK
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:
My account went into default due to loss of my job. The account was charged off and then bought over by a law firm debt collector. We reached an agreement for a monthly payment and I have been making the payments with no default. There was no offer in compromise, so I am paying the full money originally owed. 

However, the status of my account is still stated as a 'charge off, closed ' and the monthly report is reading as 'failure to pay ( FP ) ', while I am steadily making the payments. I contacted the law firm and was told it's the original debt owner ( Discover ), that is reporting it that way. I contacted Discover to change the status but they have refused to comply. 

The original debt was {$7800.00} and the current amount owed is XXXX 

I am requesting that the Status of the account be changed to 'paying as agreed ' and the monthly reporting to read, 'On time '

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Capital One lowered their interest rate on my XXXX money market savings account. They created a new savings account called performance savings with their standard competitive interest rate and the same terms of the old account type. I asked to switch my account types, and I was instructed that I could not switch account types and I had to open a brand new account and move funds and close my old account. This appears to be a scheme to not give me their standard interest rate until I noticed. I should not have had to open a new account with the same terms just to get their standard interest rate. I feel this is a scam to generate new account sales instead of just switching my account type.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
CLASSIC BAIT AND SWITCH BY CALIBER HOME LOANS, XXXX, TX. 

XXXX - THE BAIT : Completed mortgage application with Caliber Home Loans located in XXXX, TX ( XXXX XXXX, XXXX ). Agreed loan terms ( see attached ) are the following : -Loan amount : $ XXXX XXXXInterest rate : 2.875 % -Closing costs : $ XXXX XXXX - THE SUNKEN INVESTMENT IN TIME AND MONEY : Appraisal ( {$800.00} ) completed. Property valued at XXXX. No changes to credit. Little to no contact with Caliber Homes Loans. Attempted to contact Caliber Home Loan consultants at XXXX, TX office on multiple occasions ( XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX ). They are screening phone calls. 

XXXX - THE SWITCH : Received new loan terms ( see attached ) : -Loan amount : $ XXXX XXXXInterest rate : 2.90 % -Closing costs : $ XXXX In 3 months, the price of the loan increased by 2X without reason. No changes to credit, no new loan, no changes in loan product. No financial changes in circumstances. Just plain greed and unscrupulous individuals at Caliber Home Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2023-03-30
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On or about XX/XX/2023 American Express reduced my credit limits on my 2 delta sky miles credit cards. From {$20000.00} to {$1200.00} The reason was because they said I have a outstanding accounts in collections on my credit report after them randomly pulling my XXXX report. However I do not have any accounts with outstanding balances. I do NOT have any accounts in collections and I Do NOT have any charge off accounts or delinquent accounts. 
All my accounts reporting are current with low balance. I do NOT have any late payments. This is unfair. I sent them a fax and upload of my up to date credit report and Ive even sent in my bank statements showing how much my business makes. Nothing has been resolved or updated. I feel Im being targeted as a minority & woman owned business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08
Company: CNG HOLDINGS INC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have an account from a debt collector named XXXX XXXX XXXX that is reporting a collection for {$1600.00} on my personal credit reports with XXXX, XXXX  and XXXX. This debt is not valid and per a dispute with the original creditor, the account was supposed to be recalled from the collection agency as of XX/XX/2019. As of XX/XX/2019 this information is still listed on my credit reports and came back as verified when I opened an investigation with the credit reporting bureaus. See attached for documentation from the original creditor that this debt is settled and should have been removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: EQUIFAX, 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: Problem getting your free annual credit report

Complaint:
I tried to get my credit report from all 3 bureaus and I was able to get it from two, XXXX and XXXX, but Equifax wasn't table to send it because they say they don't have a record on me on file, even though the other two bureaus have all the correct information.

I've been living in the US for 18 months, have a work visa ( XXXX ) and a social security number as well, have credit cards and other credit lines with no problems.

Equifax sent me a letter stating that they don't have a file on my name and they even misspelled my name in the letter they sent, totally unacceptable and worrisome. My name is XXXX XXXX XXXX, not how they spelled it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
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: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2019-11-01
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been holding the phone for 30 minutes while a girl named XXXX in the business service center has told me she was calling another department but hasnt came back to the phone. I keep being lied to, I have called 5 times about 2 charges from XXXX  XXXX for {$5.00} and {$12.00} that were fraudulent and need to be removed from my account after being disputed. I was also told the 3 overdraft fees for {$36.00} each on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX would be removed. Instead of doing what your representatives promised they keep adding more late fees.

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 2023-10-03
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXXXXXX XXXX XXXX These accounts are recorded in an inappropriate way in my history, I want it to be deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Yesterday my dad wire transferred {$30000.00} to my Coinbase account. It has been a full day and still haven't seen the money in my account. His bank says the wire went thru but it is still not in my account. I have al the documents to show proof. I have tried calling and submitting a formal complaint and have not heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Experian Information Solutions 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:
RE : XXXX XXXX, XXXX : On XX/XX/2019 the attached letter and supporting documentation was sent to Experian Credit and to date, the business credit report for XXXX XXXX, XXXX has not been updated and/or corrected.

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 2019-04-08
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Home Depot Credit promotional card that I use. in XXXX, I paid the balance of {$450.00}. Apparently, they found that the balance still owed {$1.00}. Unknown to me, they sent me a bill which included interest payment of {$250.00} + Interest payment of XXXX and plus interest charge of XXXX. 

Practically all the money in the balance is penalty for what they said was unpaid {$1.00}. 

You can't allow a big corporation to use its power again an ordinary consumer like and scam me of {$280.00}. 

Please help. This has made me sick.

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 2021-02-03
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This was a private loan my school took out to help me pay for school. I spoke to Sallie Mae about this loan because my student loan look different. Sallie Mae told me did you realize you have a private loan. I paid the loan in full. The company who the loan was with the name XXXX XXXX XXXX XXXX XXXX XXXX. This loan was taken out in XX/XX/2007 name XXXX XXXX student loan business. The school was XXXX XXXX that took out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 called theTransUnion and XXXX after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which is misleading to me. I sent a letter to the TransUnion and XXXX last XX/XX/2023. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX  XXXX Balance Owed : {$12000.00} will be investigated and updated on my credit file.

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 2023-02-20
Company: January Technologies, Inc
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a notice stating I owed the over XXXX with a bank account that is not mines. The contract was online and I never did any business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: PNC Bank N.A.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account at PNC bank, and decided the bank was n't a good fit for me. I ca n't close the account without incurring a {$25.00} account closure fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
American Express had an offer for me to upgrade my XXXX card to a Surpass ( Ascend ) card and spent {$3000.00} in 3 months and get XXXX XXXX points. I thought I did so in time, but I was mistaken and spent {$2900.00} by the cutoff. I did spend an additional $ 56+ a few days after the cutoff since I thought it was a couple days later, but had apparently made a mistake ( I'm XXXX years old, my memory is not what it used to be ). It was only {$1.00} off and I had made a mistake like this in the past and companies were always sympathetic and tried to help me as best they could, so I chatted with American Express. They told me that even though I had missed it by {$1.00}, if I spent the additional {$1.00} by XX/XX/XXXX, I could call up American Express and they would credit me the points ( as a courtesy ). I realized that the {$56.00} put me over {$3000.00}, and since this was done by XX/XX/XXXX, I called up American Express today to discuss. The supervisor I spoke with was awful to me, and reiterated over and over that they didn't care what the customer agent had said, I had missed it by {$1.00} and they would not fix it. I think I just got a bad supervisor but I don't have the strength to keep calling American Express for this, and my daughter suggested I file this claim with CFPB. I believe if a customer service agent makes a promise and I have that promise saved in a document ( and it can be seen if American Express checks my account history ), and I stick to the terms of that promise, American Express should honor it. I would hope that they could please take into account that I am XXXX and I try my best and hope that they will stick to the terms of their promise. I know I missed the spending by {$1.00} because my math was off, but it was spent only a few days after and the original customer service agent promised me that American Express would help me out ( I believe as an exception ). Please help me with this claim. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX signed up through XXXX website. I have received 2 email alerts over 2 hard inquires on XX/XX/XXXX and on XX/XX/2019. It is from Company MIDLAND CREDIT MGMT INC Address XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone XXXX I have received letters from this Company, stating I owe money but does not state who/what this is for. If this is a old bill, I know for a fact this is over Statue of Limitation for this bill but unsure what is all about, as they don't state why I owe this or who the original bill is from. What is the original date for this and who is the original debt that I am suppose to owe. They just keep sending letter every 6 months to a year and inquiry on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
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:
On XXXX XXXX, I sent Transunion a letter informing them than a closed XXXX account # XXXX was not reporting the late payments correctly, and was inconsistent with XXXX and XXXX. I requested that they conduct an investigation and fix, modify or delete the late payments. I got no response. The letter was delivered via USPS  tracking number XXXX on XX/XX/XXXX and signed by XXXX XXXX On XX/XX/XXXX, I sent a second letter to Transunion regarding the same account mentioned above, and reminding them that they did not respond to my first letter, and to delete the account for the following inaccuracies : 1. Late payment are not accurate and inconsistent with XXXX 2. Payment status not accurate and inconsistent with XXXX 3. Closed date not accurate and inconsistent with XXXX 4. Open Date not accurate and inconsistent with XXXX 5. Last Activity not accurate and inconsistent with XXXX 6. Comments not accurate and inconsistent with XXXX This second letter was delivered to Transunion on XX/XX/XXXX via USPS certified mail tracking number XXXX and signed for by XXXX XXXX. 


As of today XX/XX/XXXX, Transunion has not responded to any of my disputes, failed to conduct an investigation, and failed to update said account as requested in my disputes.

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