BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 noticed two hard inquiries on my report today. The inquiries are dated XXXX XX/XX/2022. I did not apply for any new line of credit. I tried to contact both creditors. XXXX did not answer. XXXX XXXX was the other creditor. The clerk was able to assist me concerning this inquiry. I was asked for my XXXX which did not match. I was asked for my name she informed me an application was submitted in California. The application was for XXXX XXXX store. I did not apply for either of these accounts and will continue to attempt to contact XXXX as well. Please assist with this dispute. I have tried to submit dispute online without success.

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 2020-11-07
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 the 3rd time I have complained about this issue, I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I and filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-11-07
Company: Experian Information Solutions Inc.
State: MS
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY 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 explanation
Consumer complaint received 2018-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I recently obtained my credit report and was shocked that I found late payments on it Creditor : XXXX XXXX  Account Number : XXXX I was never late 30 days late in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Im not sure when this occurred, I know that I had made my payments in a timely manner to your company when I received my statements. My only thought is that there is a billing error with my statements.

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 2017-11-03
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: Public record information inaccurate

Complaint:
There is a Chapter XXXX Bankruptcy being reported on my credit reports. I contacted the Federal Court that report is showing and spoke to a clerk who advised they do not send documentation of verification to third party companies or credit agencies. She advised there is no personal information to verify this belongs to me such social security number, drivers license, date of birth or birth certificate. I asked the Equifax, XXXX and XXXX to remove this inaccurate bankruptcy from my report and advised it had been verified. But I did not receive any documentation proving this Bankruptcy belongs to me. Per the XXXX County Federal Courts they do not and have not verified any information of a  bankruptcy that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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: Personal information incorrect

Complaint:
My name is XXXX XXXX and I am submitting this complaint myself. 

After reviewing my consumer report, I noticed many inaccuracies in personal identifiable information. No permissible purpose was given directly to ANY consumer reporting agency on ANY occasion to report ANY information about me as it relates to ANY names, numbers, addresses, etc listed on my consumer reports and file. 

Please be advised that without permissible purpose, the consumer agencies have committed a violation against my consumer rights and this type of behavior is very inappropriate.

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 2019-08-06
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My account with US bank went into foreclosure so in an attempt to bring the account current I contacted the company and was told that {$5000.00} would bring it current. Then I was told that no {$6000.00} would bring it current. Then I was told that no {$7000.00} would bring it current. So I had to take pictures of my bank account each time to let them know that this money was in the bank and then the real amount of over 8000 was given to me to bring the account current. So after the account was then brought current with over {$8000.00} given I was in the process of selling the property and got a payoff quote and statement but then when I went to the attorney 's office to close US Bank had sent them a different payoff amount. I have every email back and forth regarding the different amounts and different quotes and I have also recorded every conversation that I've had with them in order to prove my case and show that they are not being truthful and not treating people fairly. I am sure hoping that I can get someone's help with this. 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 2017-11-03
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
U.S. Bank has a policy of using its secured credit cards to defraud consumers, having no procedure in place for periodically reviewing secured credit cards to determine if they are eligible for upgrades to unsecured credit cards and also failing to commit to the credit limits of secured credit cards once they are upgraded to unsecured cards. When I applied for a {$3000.00} secured credit card with U.S. Bank last Summer and was informed that there was no procedure in place for periodically reviewing secured credit cards to determine their eligible for upgrades to unsecured credit card, I had a vague suspicion at the time that this was a means for U.S. Bank to defraud consumers by using their secured funds to accrue interest for as long as possible at their expense. 

This suspicion was confirmed when I was issued a refund check the following Summer in response to my request to upgrade to an unsecured credit card and saw that I was to issued on XXXX cents in interest on the {$3000.00} balance that had been held by U.S. Bank for more than a year. Moreover, U.S. Bank decreased the credit limit from {$3000.00} to {$500.00} the month after it was issued, speciously claiming that it was done because of inactivity on the newly issued card.

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 2017-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an issue with a Capital One Kohl 's account that is on my credit report. The account is reporting closed. I have disputed this account with Capital One numerous times over the past few months. Capital One has never responded to my disputes and continues to report inaccurate information to the credit bureaus. Since I started my dispute with Capital One my credit monitoring service has showed numerous updates from Capital One. I do not understand where Capital One is getting this info it is reporting to the credit bureaus. I was made to believe that for Capital One to report to the credit bureaus that they are required by law to have documents verifying that the account is 100 % accurate. 
On XXXX/XXXX/XXXX my credit monitoring showed a balance of {$440.00} on all 3 credit bureaus. 
On XXXX/XXXX/XXXX it showed a {$440.00} on XXXX, but a {$170.00} on XXXX and XXXX 
On XXXX/XXXX/XXXX it showed a {$440.00} on XXXX but a {$170.00} on XXXX and XXXX 
On XXXX/XXXX/XXXX it showed a {$170.00} on XXXX and {$200.00} on XXXX, XXXX removed. 
This is just one example of changes made to this account over the past few months. 
Capital One reporting this negative account on my credit report is having a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX 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 XXXX i spoke to a representative agent name 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 XXXX. 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 and remove the accounts 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 XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, i have a home loan ( mortgage ) thru ditech which i have paid on time all the time I have had it ; onXX/XX/XXXX, i received a call from " XXXX '' at Ditech stating I was behind on XX/XX/XXXXorXX/XX/XXXX Payment and instead of the usual {$780.00} I owed, the total was now over {$1000.00}! This happened also inXX/XX/XXXX when Ditech erroneously credited a different account my payment, then claimed I was late on that XX/XX/XXXX payment, after which they later sent a letter stating they were in error and had to credit my account and waived the late fee. plus they told me a different payment amount ( XX/XX/XXXX ).
Being in a protected class ( I am XXXX ) and having all my cancelled checks of this years mortgage payments in my possession, I contacted the mortgage company several times who said they were " looking into it ''. However, instead of investigating beforehand, they have added a slur on my credit report stating i was late, which is totally false.
I will also contact my attorney general about this problem/ below find attached the erroneous credit report. Also I can send copies of the cancelled checks that were all made on time.
This company 's bookkeeping and accounting practices are a disgrace!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I called Wells Fargo to exchange my dollars for yuan. When I called the XXXX XXXX  number the phone agent gave me an exchange rate of .XXXX dollars to XXXX yuan. When I went to my local Wells Fargo branch they gave me XXXX dollars to XXXX  yuan. So I received about 8 percent less money than I should have and their records on the transaction show their rate and not the rate I agreed upon over the phone. I need help getting the money I agreed upon or giving the money back at full rate.

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 2017-12-27
Company: EQUIFAX, INC.
State: CA
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:
Discovered recently I was being charged monthly {$11.00} for an unauthorized XXXX XXXX credit card from XXXX XXXX from a XXXX XXXX account that was closed on XX/XX/XXXX. On XX/XX/XXXXI contacted XXXX and informed them I did not authorize the XXXX XXXX Card and I did not receive a card or activate same. I was advised by XXXX on that date that they would close the XXXX XXXX card as a possible fraud issue. On XX/XX/XXXX XXXX XXXX XXXX sent a letter advising the credit card account is past due in amount of {$35.00}. Including past due amount and the current payment due. " Failure to pay this amount could result in your account being closed. '' On XX/XX/XXXXmy credit score dropped from XXXX  to XXXX, a 92 point drop, per XXXX XXXX web site. On XX/XX/XXXX XXXX  customer service advise via e-mails there were no outstanding balances and " Customer was not aware of prime membership charges. '' On XX/XX/XXXXXXXX XXXX XXXX advised via a letter regarding account ending in XXXX, " We closed this account to prevent fraud. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am honestly not sure what the collection is for but a company is telling me I owe {$1600.00}. It started back around XXXX of 2020. I received numerous emails and letters in the mail since then asking for the collection. I do not recognize the company as someone I have done business with before. The collection is messing up my credit score, and also being an XXXX  that makes it hard for me to get loans to help start my business.

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 2022-03-09
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX of XXXX I called and asked why my balance was over {$13000.00} when I only had 15 or 16 payments remaining on my mortgage and was told they did not know but that I would have to pay the balance. After months of calls in XXXX of XXXX I sat down with all my paperwork and found the problems. 
I purchased my home XX/XX/XXXX and the contract stated the amount financed was {$40000.00}. But as I was looking for the problem the amount that they financed was {$43000.00}. I had paid {$3200.00} to get my interest rate lowered and someone charged it back to the balance. Then I realized that the interest rate was charged at 15.09 % and it should have been 13.75 %. I send a dispute to Shellpoint and received a letter stating that they were going to credit my mortage XXXX plus XXXX for interest. I have sent another dispute about the interest. XXXX 15.09 % interest for 20 years is {$6200.00} not {$2400.00}. So, the amount credited should have been XXXX plus {$6200.00} = {$9500.00}. 
Also, the interest charged on the XXXX was {$87000.00} it should have been {$78000.00} so i was overcharged {$9500.00}. So by my calculating I should have been credited {$19000.00}. 
During the 20 years I had deferred 5 payments. My payments should have been {$490.00} but I paid XXXX. So I paid {$39.00} every month that should have gone to the principal. This should make a huge difference. If they want to go back I have 90 % of all my statements from XX/XX/XXXX to present. Not to mention the amount that I have paid on the principal only. 
One of the Supervisors advised me that they had found Mutiple accounts that were done the same way I am not worried about the other accounts only mine and my Home is to be paid off XX/XX/XXXX. 
I have been spoken too badly one of the representatives was XXXX XXXX and he screamed at me and told me that I would have to pay the balance that was showing by Shellpoint, another told me not to call back that was is XXXX of XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: CITIBANK, N.A.
State: NC
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: Problem with personal statement of dispute

Complaint:
On XXXX of my accounts, ending in XXXX and XXXX, Citi bank decreased my credit card maximums and it lead to a decrease of in credit score, when I have not used or abused the credit cards. The decrease card limits lead to balances exceeding the 80 % of usage and decrease my score roughly XXXX points. The reports from a credit agency came back as revolving credit cards, but this did not decrease my score. Also, I would like to say the credit card companies continually offer specials on balance transfers and it seems rather unfair to decrease a credit score by taking advantage of a service that is offered or even report it since they are offering a product like this. Why offer a product and them punish someone for taking advantage of it. " " '' '' The reporting, which again, did not decrease my score, was picked up by Citi bank and they decreased my maximums by {$1300.00} on my XXXX account and {$5400.00} on my XXXX account, then my credit score decreased by XXXX points. '' '' '' '' From about XXXX down to XXXX. Also, I have not used these cards in nearly a year and there has been no late payment or even any usage on my part to warrant anything from to say or imply I did not make my payments and Citi had given my the account limits over a year ago. In actuality, I have been an excellent to Citi bank and they continually try to find a way to abuse me and that is evidence of the last complaint I filed nearly a year ago when they refused to give my the transfer balance rate that was quoted over the phone. I have called the executive service team for Citi, Citi took another look and denied the original maximums that would have upheld my credit score. I find it hard to believe they would do something like this to decrease my score and to a customer that has been current on all 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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Account opened XX/XX/2020, Amount {$2200.00}, reported improperly 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